Nibble
Nibble is an Estonia-licensed P2P lending platform enabling European retail investors to passively invest from €10 in consumer and NPL loan portfolios via three automated strategies, earning revenue through interest-rate spreads and paying weekly income distributions.
- Company typePrivate
- Founded2019
- HeadquartersBarcelona, Spain
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Nibble does
Nibble (legal entity OÜ Nibble itsf, Estonian registration 14831029) is a digital investment platform that channels retail capital into consumer loan and non-performing loan (NPL) portfolios across Europe. Founded in 2019 and headquartered in Tallinn with a presence in Barcelona, the company offers three automated strategies: Classic (8% fixed annual return with buyback guarantee, aa/a/bb NPL band), Balanced (12–15% variable returns, bb/b/cc band) and Legal (up to 19% returns from pre-trial and judicial recovery loans, b/cc/c band). The platform is fully self-service, with a €10 minimum investment, weekly distribution of income, automatic reinvestment of principal, and identity verification handled via Veriff. Investors access the platform through a multilingual (EN/ES/DE/IT) web interface and discover it via SEO, content marketing, referral programs and P2P-finance media partnerships. Revenue is generated exclusively through the interest-rate spread between what borrowers pay and what investors receive — there are no fees or commissions charged to investors.
Nibble firmographics
Firmographics- Name
- Nibble
- Legal name
- OÜ Nibble itsf
- Website
- https://nibble.finance
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Nibble is an Estonia-licensed P2P lending platform enabling European retail investors to passively invest from €10 in consumer and NPL loan portfolios via three automated strategies, earning revenue through interest-rate spreads and paying weekly income distributions.
- Ownership category
- akta.pro rank
Nibble industry classification
Industry- Product category
- P2P Lending Investment Platform
- NAICS
- Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Loan Brokers (6163), Finance Services (6199)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industry
- Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG)
Keywords
Where Nibble is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
Nibble business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Interest Rate Spread: Nibble earns revenue by charging borrowers higher interest rates than the rates paid to investors. The platform offers investors returns up to 19% annually while generating revenue from the differential between borrowing costs and investor payouts. No explicit fees are charged to investors for transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Weekly | Classic Strategy — Secure income with 8% fixed annual return |
| Transaction based/ take rate | Weekly | Legal Strategy — High income for patient investors with 14.5% current annual interest rate |
| Transaction based/ take rate | Weekly | Balanced Strategy — Balanced risks with 12.5% current annual interest rate |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Nibble product offering
Product offeringCore offering
Nibble is a cloud-based financial investment platform that enables individual investors and legal persons to earn passive income by investing in consumer loan and overdue debt (NPL) portfolios. The platform matches investors to one of three automated investment strategies—Classic (8% fixed annual return with buyback guarantee), Legal (up to 19% yield on pre-trial and judicial recovery loans with deposit back guarantee), and Balanced (12–15% variable returns)—with a €10 minimum entry, weekly income payouts, and automatic reinvestment of principal.
Product overview
Nibble is a financial investment platform (not a marketplace) that connects individual investors with loan and overdue debt investment opportunities. The core product is the Flexible Investment platform, which offers three distinct investment strategies: Classic Strategy (8% fixed annual return with buyback guarantee, 22% investor adoption), Legal Strategy (up to 19% return for NPL loan portfolios in recovery, 13% adoption), and Balanced Strategy (12-15% variable returns, 65% adoption). All strategies are fully automated for loan selection, reinvestment, and distribution. The platform requires a minimum €10 investment with weekly income payouts.
Differentiator
Problem solved
Functional benefit
Products and services
- Flexible Investment Flexible Investment is Nibble's core investment product enabling retail investors to earn passive income from consumer loans and overdue debt. Investors select one of three automated strategies: Classic Strategy (8% fixed annual return, buyback guarantee, €10–€10,000, 1–6 months, NPL aa–a–bb, ~22% of investors); Legal Strategy (up to 19% annual return, deposit back guarantee, €10–€10,000, 6–60 months, NPL b–cc–c pre-trial/judicial recovery, ~13% of investors); and Balanced Strategy (12–15% variable return, €100–€10,000, 7–60 months, NPL bb–b–cc, ~65% of investors). All strategies are fully automated for loan selection, reinvestment, and weekly distribution; minimum withdrawal is €50.
Quantifiable outcome
- 12% average product profit across all investors
- +3 more outcomes
Companies that use Nibble
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Nibble technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Nibble partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- VeriffcoreVeriff provides identity verification services for Nibble's KYC/AML compliance requirements. Nibble partners with Veriff to ensure secure user identification in compliance with European anti-money laundering legislation.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Nibble competitors and assessment
Company assessmentDirect peers
- Bondora: Estonia-based P2P consumer lending platform offering automated retail investment strategies in European consumer loans — direct competitor with overlapping investor base, similar 'Go & Grow' automated yield product, and identical Estonian regulatory anchor.
- Mintos: Latvia-headquartered P2P marketplace for consumer, business and real-estate loans; comparable in retail-yield offerings, multi-strategy loan access and European investor onboarding with automated reinvestment functionality.
- PeerBerry: EU-focused P2P platform offering consumer and SME loans with buyback guarantees and automated investment portfolios — competes with Nibble on low minimums, buyback-protected yield and automated portfolio construction.
- Robocash: Operates a P2P platform backing consumer-loan originators across emerging and European markets; comparable through automated retail portfolios, short-duration consumer loan exposure and target yields in the high-single to mid-teens.
- IUVO Group: Bulgaria-based P2P marketplace for consumer and SME loans with automated portfolio products (IUVO Rank); closely parallel platform offering retail investors diversified consumer-loan exposure with automated reinvestment.
- Lendermarket: Ireland-headquartered P2P consumer-loan marketplace with auto-invest and buyback-guaranteed portfolios; overlap with Nibble on European retail onboarding, low minimums and short-duration consumer credit exposure.
- ViaInvest: Lithuania-based P2P consumer-loan platform with self-directed and auto-invest portfolios featuring buyback guarantees; mirrors Nibble's combination of automated yield, low entry minimums and currency exposure to consumer NPL portfolios.
- Debitum Network: Latvia-based P2P platform offering business and consumer loan investments to retail investors; comparable business model and geographic footprint, though more weighted toward SME lending than Nibble's consumer/NPL focus.
- EstateGuru: Estonia-licensed P2P platform offering asset-backed loan investments to retail investors; same Estonian regulatory framework as Nibble and similar product-led onboarding, though focused on real-estate-secured lending rather than consumer loans.
- Twino: European P2P consumer-loan platform with auto-invest functionality and buyback-guaranteed products; direct comparator on retail consumer-loan exposure, automated portfolios and European investor distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Nibble social profiles
Digital presenceNibble compliance and trust
Trust signalCompliance2 records
Nibble financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nibble leadership team
Management profileNumber of profiles
Profiles2 records
Nibble funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nibble M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nibble
What does Nibble do?
Nibble is a cloud-based financial investment platform that enables individual investors and legal persons to earn passive income by investing in consumer loan and overdue debt (NPL) portfolios. The platform matches investors to one of three automated investment strategies—Classic (8% fixed annual return with buyback guarantee), Legal (up to 19% yield on pre-trial and judicial recovery loans with deposit back guarantee), and Balanced (12–15% variable returns)—with a €10 minimum entry, weekly income payouts, and automatic reinvestment of principal.
Is Nibble a public or private company?
Nibble is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Nibble founded?
Nibble was founded in 2019. It employs 51 to 100 people.
Where is Nibble based?
Nibble is headquartered in Barcelona, Spain, in the Europe region.
How does Nibble make money?
One revenue line is on record: interest Rate Spread.
Who are Nibble's main competitors?
Direct peers on record are Bondora, Mintos, PeerBerry, Robocash, IUVO Group, Lendermarket, ViaInvest, Debitum Network, EstateGuru and Twino.
Does Nibble have an API?
No public API is recorded for Nibble.
What industry is Nibble in?
Nibble's product category is P2P Lending Investment Platform. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAGAEAG, Goal-Based & Micro-Investing Platforms (Round-ups, Fractional). Its NAICS code is 523940 and its SIC code is 6163.