Afranga
Afranga is a Bulgarian P2P lending platform founded in 2021, offering investments in consumer, business, and real estate loans. Headquartered in Bulgaria, it operates under a European Crowdfunding Service Provider (ECSP) license obtained in 2023, regulated by the Bulgarian Financial Supervision Commission. The platform features loans from multiple Bulgarian and Czech originators, with Stikcredit, a Bulgarian lender established in 2013, being the largest.
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Afranga in real numbers
Anonymized statistics from all Afranga portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
14.9%
Based on 206 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 175 stated strategies
Combined portfolio value
€4,129,980
Investors on P2P Dash
512
Interest earned all-time
€421,558
Median cash drag
1.4%
Share of funds sitting uninvested
Compare Afranga head-to-head
Afranga returns over time
Median annual return of Afranga investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
15.7%
91 investors
15.2%
2021
13.6%
2022
12.6%
2023
10.7%
2024
14.1%
2025
15.4%
2026
Is money moving into Afranga?
Monthly deposits minus withdrawals across Afranga investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€1,802,509
512 investors tracking
In Q3 2026, Afranga ranks 4 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Afranga changing?
The strategies Afranga investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
68
as of Nov 12, 2026
Last 7 days
+1
- More cautious
- 1
- More confident
- 2
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 67 | 170 | 1 | 0 | 1 | 0 | 35% | 18% | 34% | 6% | 7% |
| Oct 26 to Nov 1, 2026 | 67 | 169 | 2 | 5 | 3 | 0 | 35% | 18% | 34% | 6% | 7% |
| Oct 19 to Oct 25, 2026 | 68 | 166 | 0 | 0 | 4 | 0 | 36% | 18% | 33% | 6% | 7% |
| Oct 12 to Oct 18, 2026 | 68 | 162 | 1 | 1 | 2 | 2 | 36% | 18% | 33% | 6% | 7% |
| Oct 5 to Oct 11, 2026 | 68 | 162 | 3 | 0 | 3 | 0 | 38% | 17% | 33% | 6% | 7% |
| Sep 28 to Oct 4, 2026 | 68 | 159 | 2 | 3 | 5 | 1 | 37% | 17% | 32% | 7% | 7% |
| Sep 21 to Sep 27, 2026 | 67 | 155 | 4 | 4 | 3 | 0 | 37% | 17% | 32% | 7% | 7% |
| Sep 14 to Sep 20, 2026 | 68 | 152 | 2 | 3 | 5 | 1 | 38% | 16% | 32% | 7% | 7% |
| Sep 7 to Sep 13, 2026 | 68 | 148 | 1 | 4 | 4 | 1 | 38% | 17% | 32% | 6% | 7% |
| Aug 31 to Sep 6, 2026 | 68 | 145 | 0 | 4 | 4 | 1 | 38% | 17% | 30% | 6% | 8% |
| Aug 24 to Aug 30, 2026 | 69 | 142 | 1 | 5 | 1 | 1 | 40% | 17% | 30% | 6% | 7% |
| Aug 17 to Aug 23, 2026 | 70 | 142 | 2 | 1 | 3 | 1 | 42% | 16% | 31% | 5% | 6% |
| Aug 10 to Aug 16, 2026 | 70 | 140 | 2 | 0 | 7 | 0 | 41% | 16% | 31% | 6% | 6% |
| Aug 3 to Aug 9, 2026 | 69 | 133 | 1 | 0 | 3 | 0 | 41% | 16% | 31% | 6% | 7% |
| Jul 27 to Aug 2, 2026 | 69 | 130 | 3 | 5 | 3 | 0 | 41% | 16% | 29% | 6% | 8% |
Alternatives to Afranga
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Consumer loans →Business loans (SME) →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Afranga
Answers based on anonymized community data from P2P Dash investors.
What is Afranga?
Afranga is a peer-to-peer lending platform, founded in 2021 (headquarters: Bulgaria). On P2P Dash, investors import their Afranga account statements to track the real net return they earn there.
What return do investors actually earn with Afranga?
Across 206 Afranga portfolios tracked on P2P Dash, the median net return (XIRR) is 14.9%. The middle 50% of investors earn between 13.5% and 15.9% (as of November 12, 2026).
How many investors track Afranga on P2P Dash?
512 investors track their Afranga portfolios on P2P Dash, with a combined portfolio value of €4,129,980 and €421,558 in interest earned all-time.
How does Afranga rank among P2P platforms?
Afranga ranks 7 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Afranga?
Of 175 stated strategies for Afranga, 54% plan to add funds or reinvest, 33% intend to hold, and 13% plan to reduce or exit (as of November 12, 2026).
Is Afranga regulated?
Yes, Afranga is a regulated platform supervised by Bulgarian Financial Supervision Commission.
Does Afranga offer a buyback guarantee?
No, Afranga does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Afranga portfolio?
Export your transaction history from Afranga (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Afranga?
Based on the community ranking, the closest alternatives to Afranga in the same asset class are Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.