How it works

TWINO investment and trading platform is the place where you as an investor get the opportunity to fund loans (consumer, business, real estate) and to earn interest income for doing so.

But... how does peer-to-peer (P2P) lending work?

It all starts with a person who is looking for a loan (borrower), while TWINO loan originators are always here to help.

Each borrower that applies for a loan to our loan originators is going through an in-depth credit risk scoring procedure to receive the loan. Only the loans that have gone through this credit scoring procedure are being sent to TWINO investment platform.

TWINO earns revenue at the lending side by charging interest and commissions for the lent capital. Part of this income is paid to you in a form of interest income for your invested capital, while the other part stays in our business to cover costs and earn a profit.

Consumer loans

Invoice financing

Business loans

Real estate

Consumer loans

Invoice financing

Business loans

Real estate

Assessing the credit risk of individual borrowers & issuing loans

Loans are sent to TWINO investment platform

Loans are available for investments

Set up your first Auto-invest portfolio

Earn interest income

Ready to start?

Set up your account in minutes and start investing in loans around the world