Iuvo Group

Iuvo Group is a European fintech marketplace for consumer and small-business loans. Investors buy fractional claims in originated loans denominated in EUR, BGN, RON and PLN; typical note face values start at €10 and target net annual returns of 6-9 %. The platform is online-only, open to EU/EEA residents after a €100 minimum deposit, and earns revenue by charging originators a servicing fee while keeping investor costs limited to a 1 % secondary-market trading levy. The company positions itself as a “buy-back” P2P marketplace: every loan originator must contractually repurchase delinquent instalments after 30–60 days, effectively shifting default risk from investors back to the lenders. A proprietary scoring engine grades each originator quarterly (A–D) and displays live portfolio statistics, giving users granular control over country, duration and risk exposure. Since 2016 the Sofia-based firm has intermediated more than €750 million in funded volume with an advertised historical default rate below 0.5 % after buy-back. Core users are 25-55-year-old EU residents who already use online brokers or crypto exchanges and want a euro-denominated passive-income stream without locking capital for years. They value transparent data, monthly cash flow and the ability to exit early through an active secondary market, aligning with a DIY, financially self-reliant lifestyle rather than traditional bank deposits. Iuvo competes with other crowdlending and robo-investing platforms that pool retail money into alternative credit. It differentiates by combining buy-back guarantees, multi-currency loan supply and detailed originator-level analytics, allowing investors to fine-tune risk-return profiles while staying inside a regulated EU framework.