A high-yield marketplace with a dependable Buyback Obligation, but needs more diversification and liquidity options.
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€10.00
€100,000.00
Moderate risk with balanced returns
15.0%
0 reviews
Community total (base currency)
Without bonuses
Community members
4.1/5
Hive5 delivers on its promise of high returns, consistently achieving 15%+. The platform is highly intuitive and the €10 minimum makes it accessible. While the 60-day Buyback Obligation is a strong protection, the limited number of originators and the absence of a secondary market pose concentration and liquidity risks.
A fast-growing P2P platform offering high returns (up to 16%) secured by a 60-day Buyback Obligation.
Looking for high-yield passive income? Hive5 is a rapidly expanding marketplace specializing in short-term and business loans. Launched in 2022, it promises competitive returns up to 16% and mitigates default risk through a comprehensive Buyback Obligation, making it attractive for investors seeking aggressive growth.
Hive5 is a P2P marketplace established in 2022 by Hive Finance Group. The platform focuses on connecting investors with short-term (consumer) and business loan opportunities, primarily from its associated loan originator, Firmeo (part of the Hive Finance Group). The platform reports an average annual return of 15.02% and offers full transparency on its ownership structure, including involvement from the founder of the global telematics company, Ruptela.
Investors are drawn to Hive5 for its high average returns (15%+), the robust Buyback Obligation which covers principal and accrued interest on loans delayed over 60 days, and its low entry point of just €10. The platform supports effortless passive investing through a customizable Auto-Invest feature.
The investment process is straightforward: 1. Fill out the registration form and complete identity verification (KYC). 2. Add funds to your account (deposits are approved quickly). 3. Invest manually or set up an Auto-Invest Portfolio based on desired criteria (loan type, term, interest rate). 4. Track your portfolio daily and receive profits as loans are repaid. Funds become accessible upon repayment.
These typically offer high interest rates but are often short duration, providing quick capital turnover and frequent interest payments.
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Loans issued to small and medium-sized enterprises (SMEs), such as those offered by Firmeo, providing stable, often higher-value investment opportunities.
Loan Types: Short-term consumer loans, Business loans
Liquidity: Primarily short-term loans, though specific terms can vary depending on the loan originator and type.
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Perfect for investors prioritizing aggressive returns, as Hive5 consistently reports 15%+ average ROI, well above P2P industry averages.
The sophisticated Auto-Invest Portfolio allows investors to set criteria once and achieve fully automated, hands-off investing.
The low €10 minimum investment and robust Buyback Obligation make it a secure starting point for those new to P2P lending.
The minimum investment required to start investing on Hive5 is just €10 per loan, making it highly accessible for new investors.
All loans listed on Hive5 are secured with a Buyback Obligation. If a borrower delays payment for more than 60 days, the Loan Originator is obligated to repurchase the loan in full, including accrued interest.
No, Hive5 currently does not operate a secondary market. This means your funds are locked in until the loan reaches full maturity or is repurchased via the Buyback Obligation.
Hive5 generally does not charge platform or investment fees to investors. However, be aware that withdrawing funds deposited via the TARGET2 payment system (non-SEPA transfers) may incur a significant bank fee (€30).
The Auto-Invest tool allows you to pre-set your investment criteria (e.g., interest rate, loan type, term) and automatically invest in new loan claims as they become available on the platform, ensuring your funds are always working.
If a borrower is late by 60 days, the Buyback Obligation is triggered. The Loan Originator purchases the loan back from you, covering the outstanding principal and interest, effectively protecting you from borrower default risk.