The two-sentence version
best-p2p-platforms-europe.com earns commissions when you sign up through an affiliate link to Maclear or 8lends. The commission costs you nothing - platforms pay it from their marketing budget - and ratings are set by the five-check methodology before any commercial discussion begins.
Which platforms we partner with
Maclear (rated 4.8 stars) is the only platform we promote with an affiliate link in calls-to-action. Maclear holds a Swiss SRO licence from VQF, operates under anti-money-laundering oversight, and covers its single default to date in full. Investors who sign up through our link receive a EUR 30 welcome bonus - the same bonus Maclear offers on its own website. We earn a small commission on funded accounts.
8lends is labelled "Sponsored" every time it appears. 8lends is not included in the star-rated list because it pays for placement - it sits outside the editorial ratings as a disclosed paid partner. 8lends lends against collateral to small businesses in Europe and offers returns up to 25% APR. The Sponsored label makes the commercial relationship clear; we earn a commission on sign-ups and deposits.
Every other platform on best-p2p-platforms-europe.com - the eighteen rated from InRento at 4.5 stars down to Loanch at 1.0 - appears without affiliate links. Reviews link to each platform's homepage for transparency, but we earn nothing if you sign up directly.
How ratings work (and why they cannot be bought)
Star ratings are calculated from five equal checks: investor protection, delivery track record, honest yields, transparency and exit options. Each check carries 20% weight. The methodology is public, the fact table updates monthly, and no platform can request a rating change or pay to improve its score.
Maclear earned 4.8 stars on the five checks before any affiliate discussion. 8lends earns the Sponsored label precisely because it pays for placement - placing it outside the rated comparison keeps the editorial list clean. We refuse requests to adjust ratings, remove negative findings or promote platforms that score below 3.5 stars.
What affiliate commissions cost you
Nothing. Affiliate commissions come from the platform's marketing budget - the same budget that pays for banner ads, influencer partnerships and comparison-site fees elsewhere. Your deposit, yield and fees remain identical whether you sign up through our link or directly.
Maclear's EUR 30 bonus is the same bonus you would receive on Maclear's own website. The commission simply recognises that best-p2p-platforms-europe.com sent the sign-up - it does not come out of your account balance or reduce your returns.
What the income funds
Affiliate commissions fund the project: domain and hosting costs, monthly fact-table updates, regulator filings review, new platform research, guide writing and the hours that go into keeping twenty reviews current. The income is modest - this is a side project run by one editor, not a VC-backed comparison engine.
The income also buys independence. Because we promote only one rated platform (Maclear) and one labelled Sponsored partner (8lends), we have no incentive to inflate ratings for the other eighteen. Platforms that request higher stars or removal of risk warnings are turned down - the methodology sets the score, not the commercial conversation.
What we will not do
We will not accept payment to change a rating, remove a negative finding or promote a platform that scores below 3.5 stars. We will not hide the Sponsored label on 8lends or present affiliate links as editorial recommendations unless the platform genuinely earns Editors' Favourites status (3.5 stars or higher).
We will not run banner ads, pop-ups or auto-play videos. We will not sell email lists, track you across the web for retargeting or share your data with platforms before you click through. The only tracking on best-p2p-platforms-europe.com is basic analytics to count page views - no behavioural profiling, no third-party pixels.
Questions welcome
If you have questions about how affiliate commissions work, why Maclear is the only promoted platform in the rated list, or how the Sponsored label applies to 8lends, email us through the contact page. We answer every message and update this disclosure when partnerships change.
The ratings exist to help you invest with open eyes. The affiliate model funds that work - but only when the ratings come first.