BalticLend / Platforms / Go & Grow

Go & Grow (formerly Bondora's flagship product, spun off as an independent brand under Go&Grow OÜ in April 2026) takes a different approach from the other platforms here: instead of picking individual loans, investors simply deposit money and it's automatically spread across thousands of small consumer loans originated by Bondora AS in Estonia, Finland, Latvia, the Netherlands, and Denmark. The product advertises a fixed target return, currently 6% per year, paid daily, rather than a loan-by-loan interest rate. There's no manual investing, no buyback guarantee, and no secondary market in the traditional sense — instead, investors can request a withdrawal at any time, which is typically paid out within one to three business days for a flat €1 fee, though the provider reserves the right to slow withdrawals to partial daily payouts in extreme circumstances (used once, briefly, in 2020).