Kuetzal Review

In this Kuetzal review, we will take a look at the rates, loans and buyback guarantee of this p2p lending platform. As always, I would like everyone to know that this is an 100% impartial and unbiased review of Kuetzal.

What Is Kuetzal?

Kuetzal is a new business crowdlending platform based in Tallinn, Estonia which offers secured and high-yielding investment opportunities in European businesses. The platform was presented publicly in the middle of November 2018. It is similar to Envestio and Crowdestor but with some unique features like Investment buy-back and Kuetzal Care that we will get into detail in this post. These features make the platform a very interesting option to add to your portfolio. The loans on the platform are listed in EUR and the minimum investment is €100 EUR.

Kuetzal Review Landing Page


Most of the loans on Kuetzal offer high yields that can be as high as 21%. Usually, loans published have rates around 18%. There are of course loans published with rates as low as 10% or as high as 21%.

Kuetzal loans


All loans on Kuetzal are for business loans and the terms are from 12 to 48 months. You can also check the screenshot above to see the purpose of those business loans. All loans are non-amortized meaning you will receive monthly interest payments and maturity payment at the end of the loan period. For example, you invest 100EUR in the “Velox Homes” project, it has an 18,5% rate and a 12-month duration. Every month you will get interest = 1,542EUR and on last month you will get interest + maturity payment = 101,542EUR.

Loan Liquidity

Kuetzal is a pretty liquid platform. They publish around 4-5 large projects every month and most of them are not subscribed very fast. You also get a email letting you know about the project one week before it gets published so there is plenty of time to transfer funds on the platform to invest.

Buyback Guarantee

Kuetzal offers a 60-day buyback guarantee to all loans that have the “buy-back” tab on them. So, they will return the investment back to the investors if the loan is protected with “Investment Buy-Back” 2 months after default with interest.

Kuetzal Care program

One of the main selling points of the platform, -apart from the high rates- is the Kuetzal Care program. All of the projects come with it and it means that If the project doesn’t reach its funding goal, Kuetzal involves its own funds to cover the difference between the invested amount and funding target. Kuetzal also has agreements with investment funds, banks and private investors who are ready to invest in their projects. This creates an additional warranty that every project will eventually be funded plus you actually start earning interest from the moment you invest instead of having to wait for the project to be funded.

Auto Invest

Kuetzal does not offer the option of auto-invest but this is not a real issue since projects are limited and quite large.


Since Kuetzal offers most of the loans with “Investment buy-back” the risk is whether they will be able to fulfill its promise to you. No loans have defaulted yet but we are talking about a very young platform here so I don’t know if we can call this a “proven” track record. For more information about the risks from peer-to-peer lending activities please check my “What Is Peer-to-Peer Lending” article.

Secondary Market

There is no Secondary Market, however, you can sell your loan back to Kuetzel at any time if the loan comes with “Investment buy-back”. Keep in mind that this is an expensive option since they keep 10% of the withdrawn amount as a commission for the service.


There is a 10% penalty if you wish to sell the loan back to Kuetzal before maturity, other than that, there are no other fees that they charge.

Kuetzal Sign Up Process

The sign up process is pretty simple. You can click here (by doing that you will also earn 0.5% additional cashback for 180 days) and go through the steps on the platform. The info requested are very limited and you don’t need to upload any identification documents until you want to withdraw your funds from the platform. Also, make sure to use the promo code “P2PINCOME” to get 15€ free for your first investment. The entire process shouldn’t take more than a couple of minutes.

Kuetzal’s Competitors

Kuetzal’s main competitors are Envestio, Crowdestor, Monethera, but also CrowdEstate, EstateGuru, BulkEstate and Grupeer

Kuetzal Review – Conclusion

With the combination of the rates offered by the platform and the fact that most of the loans come with “Investment buy-back” Kuetzal is a great option for investing in business loans.

One thing that I don’t like about the platform is the lack of a Secondary Market and the high fee that you have to pay to exit a loan early, so if you invest in the platform, make sure that you will not going to need the money for an amount of time equal to the term of the loan. You can also check their website here. I also like that it gives you the investments repayment schedule as shown below.

Kuetzal June 2019 Overview

Kuetzal Cashback Bonus and Promo Code:

As I said earlier, this is an 100% impartial and unbiased review of Kuetzal. However, if you would like to invest through Kuetzal I would appreciate it if you could use my referral link which gives you an exclusive 0.5% cashback from each investment made during the first 180 days for your investments of more than €100.Also, make sure to use the promo code “P2PINCOME” to get 15€ free for your first investment.

Cash-back will be automatically credited to your balance after each investment, no matter how many investments you have made.

If you would like to add something about Kuetzal please leave your comments below.

Until Next Time,

2 Replies to “Kuetzal Review”

  1. I signed up through your referral a couple of months ago and I am pretty happy with the platform and thank you for the promo code too. It really boosts our returns with that cashback bonus on top of it.


    1. I am glad that you like the platform Jerome and thank for the kind words, I am always trying to bring as many offers as possible for my readers and I completely agree with your point that sign up bonuses can boost our returns by a large margin.


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