Hive5
Hive5 is a marketplace for claim rights on loans that have already been issued, open to investors since 2022. The operator, Hive5 marketplace d.o.o., is registered in Zagreb, Croatia, and its sole shareholder is Hive Finance UAB in Vilnius. Every lending company on the platform belongs to that same group, and Hive5 says so itself: FinJet in Spain, Firmeo in Poland and Credilink in Romania. In October 2025 the Lithuanian telematics group Ruptela took a minority stake in Hive Finance UAB; the two are registered at the same Vilnius address, and the Lithuanian loans on the platform finance a Ruptela company. Investors therefore hold a concentrated exposure to a single group. Where a borrower is more than 60 days late, the user agreement obliges the lending company that issued the loan, not the platform, to repurchase the claim, which is what the buyback guarantee means here. Hive5 offers auto-invest and, since September 2026, a secondary market. Investors can only sell an investment as a whole, Hive5 charges no fee for it, the price ranges from the outstanding principal down to a 50% discount, and a sale only happens when another investor buys.
Support us by using our affiliate link: you usually get a bonus and we get a kickback. Thank you!
Hive5 in real numbers
Anonymized statistics from all Hive5 portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
13.9%
Based on 145 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 77 stated strategies
Combined portfolio value
€1,374,075
Investors on P2P Dash
291
Interest earned all-time
€448,158
Median cash drag
1.7%
Share of funds sitting uninvested
Important Notes
- Repayments are split into principal and interest using the linked investment record. This works for bullet loans and for loans repaid in instalments
- For this to work correctly, always export your complete transaction history. Partial exports may cause repayments to be misclassified
- While a loan is still running, payments in the size of a plausible interest amount are booked as interest. The exact split is only certain once the loan has been repaid in full
Compare Hive5 head-to-head
Hive5 returns over time
Median annual return of Hive5 investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
13.8%
54 investors
13.7%
2023
13.6%
2024
14.6%
2025
13.6%
2026
Is money moving into Hive5?
Monthly deposits minus withdrawals across Hive5 investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€494,515
291 investors tracking
In Q3 2026, Hive5 ranks 17 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Hive5 changing?
The strategies Hive5 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
64
as of Nov 12, 2026
Last 7 days
+1
- More cautious
- 0
- More confident
- 1
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 | 63 | 77 | 1 | 0 | 0 | 0 | 35% | 19% | 25% | 5% | 16% |
| Oct 26 to Nov 1, 2026 | 63 | 77 | 0 | 1 | 5 | 0 | 35% | 18% | 26% | 5% | 16% |
| Oct 19 to Oct 25, 2026 | 62 | 72 | 0 | 0 | 3 | 0 | 35% | 18% | 25% | 6% | 17% |
| Oct 12 to Oct 18, 2026 | 62 | 69 | 0 | 0 | 1 | 1 | 33% | 19% | 26% | 6% | 16% |
| Oct 5 to Oct 11, 2026 | 62 | 69 | 0 | 2 | 3 | 0 | 33% | 19% | 26% | 6% | 16% |
| Sep 28 to Oct 4, 2026 | 63 | 66 | 1 | 0 | 5 | 0 | 35% | 21% | 21% | 6% | 17% |
| Sep 21 to Sep 27, 2026 | 61 | 61 | 2 | 0 | 1 | 0 | 33% | 21% | 21% | 7% | 18% |
| Sep 14 to Sep 20, 2026 | 59 | 60 | 1 | 0 | 0 | 0 | 30% | 22% | 22% | 7% | 20% |
| Sep 7 to Sep 13, 2026 | 57 | 60 | 0 | 0 | 1 | 0 | 30% | 20% | 22% | 7% | 22% |
| Aug 31 to Sep 6, 2026 | 57 | 59 | 1 | 0 | 2 | 2 | 31% | 19% | 22% | 7% | 22% |
| Aug 24 to Aug 30, 2026 | 54 | 59 | 0 | 0 | 1 | 0 | 27% | 19% | 22% | 8% | 24% |
| Aug 17 to Aug 23, 2026 | 53 | 58 | 1 | 0 | 0 | 0 | 26% | 19% | 22% | 9% | 24% |
| Aug 10 to Aug 16, 2026 | 52 | 58 | 1 | 1 | 3 | 0 | 26% | 17% | 22% | 9% | 26% |
| Aug 3 to Aug 9, 2026 | 53 | 55 | 0 | 1 | 2 | 0 | 25% | 18% | 24% | 9% | 24% |
| Jul 27 to Aug 2, 2026 | 55 | 53 | 0 | 1 | 2 | 0 | 26% | 19% | 25% | 9% | 21% |
Alternatives to Hive5
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 Hive5
Answers based on anonymized community data from P2P Dash investors.
What is Hive5?
Hive5 is a peer-to-peer lending platform, founded in 2022 (headquarters: Croatia). On P2P Dash, investors import their Hive5 account statements to track the real net return they earn there.
What return do investors actually earn with Hive5?
Across 145 Hive5 portfolios tracked on P2P Dash, the median net return (XIRR) is 13.9%. The middle 50% of investors earn between 13.0% and 14.4% (as of November 12, 2026).
How many investors track Hive5 on P2P Dash?
291 investors track their Hive5 portfolios on P2P Dash, with a combined portfolio value of €1,374,075 and €448,158 in interest earned all-time.
How does Hive5 rank among P2P platforms?
Hive5 ranks 12 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 Hive5?
Of 77 stated strategies for Hive5, 56% plan to add funds or reinvest, 25% intend to hold, and 19% plan to reduce or exit (as of November 12, 2026).
Is Hive5 regulated?
No, Hive5 does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Hive5 offer a buyback guarantee?
Yes, Hive5 offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Hive5 portfolio?
Export your transaction history from Hive5 (csv) 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 Hive5?
Based on the community ranking, the closest alternatives to Hive5 in the same asset class are Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.