Monthly Volume of Funding Secured by P2P Platforms Tends to Rise in December, Report Reveals

The monthly volume of funding raised by P2P platforms traditionally “grows in December,” according to an update from, an online investment platform.

Geographically, the Baltic countries “show the greatest stability over the year,” the team at Robocash writes in a blog post.

Robocash platform specialists “analyzed the behavior of the European P2P lending market over the past 6 years.”

In the Consumer and Business segment, “the top three months in terms of increased seasonality are December, July and March.” The decline is “clearly visible in September, February and April.” analysts further noted that it is “most likely that the frequency of investment cycles is among the main factors of influence.”

The team added:

“Investors prefer to start preparing for the next investment year in December, increasing investments and often having material grounds for this in the form of annual bonuses, for example. Then they reactivate after 2-3 month periods of approbation of their strategies.”

In terms of geography, “the lower seasonal coefficient in October is seen in Central and Western Europe.” In Southern Europe, a similar situation “is observed in January-February.”

In the Baltics, the whole year is “characterized by a very even range of indicators, although with a general correspondence to the traditional seasonal fluctuations for the market.”

Robocash analysts also mentioned:

“On, the beginning of autumn is also marked by a decrease in investor activity, which confirms the general trend in the market. We note a special activation of platform investors in May. This may also be due to their interest in long-term investments in the Philippines, which were launched on the platform in May last year.”

In another update from, it was noted that since March of this year, the share of investments in long-term loans on the Robocash platform has “been increasing,” the company claims.

Along with this, the investor earnings are also growing, the team at Robocash reveals in a blog post. added that for the past eight months, the platform investors have reportedly been systematically “increasing their portfolios with loans from 90 days.” By November 2022, the total share of their funds “in these buckets reached 80%.”

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