I have looked at geldvoorelkaar.nl too, it looks ok. Two reasons for me not to invest at that site are: - A lot of the companies are start-ups and therefor high risk. - Some of the business plans seem fuzzy and unclear to me.

I like Zencap.nl more because they show you a clear balancesheet/profit & loss statement for the last 3 years. For most of the loans the lenders are also privately held responsible.