Modena Capital Turns One

Modena Capital’s first year was about building trust, fixing fast and laying the foundations for a platform that’s only just getting started.


November 28, 2025

Modena Capital turns one — marking the moment a bold idea became a trusted investment platform with a fast-growing community across Europe. It has been a year of disciplined execution, technical transformation and genuine investor trust. Our leadership reflects on the milestones that shaped this first chapter and the vision guiding the next.

Oliver (CEO): The Moment It Became Real

For Oliver, the moment Modena felt “real” came when he saw an investor transfer €50,000 into their Modena account. After nearly a year of building the platform with the team — and carrying the constant question of whether trust would follow — that transfer was a turning point. “It felt like a stone dropped from my chest,” he says. “It gave us the confidence that yes, we can do this.”

The first six months were defined by technical issues, fixes and the normal uncertainty of launching something new. Looking back, Oliver says he might have launched a few months later — but acknowledges that many real-world issues simply can’t be discovered in a test environment. If he could change one thing, it would be this: ask investors for more and earlier feedback. And he adds a note of gratitude to everyone who has taken the time to share what works and what doesn’t: “Every piece of feedback helps us shape the platform around investors’ real expectations.”

The biggest win of the year? Simply put: the whole year was a win. Modena exceeded every target — surpassing 1,000 registered users and financing over €13 million worth of agreements. Oliver credits this to the trust of Modena’s investors and the relentless work of the team.

Looking ahead, he’s most excited about the upcoming rebrand and new website, followed by the launch of several new investment products. Each step moves Modena closer to its core vision: an “invest and forget” experience — a platform where investors can deposit funds, trust that they are safe, and let their money work without constant oversight.

Rene (CTO): Engineering the Backbone

Rene describes year one as a quiet but profound transformation. Modena moved from a manually operated portal into a scalable, institutional-grade platform. A new data model and thoughtfully redesigned portfolio views brought speed, accuracy and real-time transparency to everything investors see — whether in the Fixed or Dynamic Vault.

The next chapter is about deepening that intelligence: shifting to a fully event-driven architecture, automating more core processes, expanding analytics and opening investor-facing APIs. The goal is a platform that reacts instantly, reduces noise and empowers investors with clear, reliable information at every step.

Chris (CMO): A Brand Growing Into Its Identity

As the product matured, so did the brand. Trust and user experience have become the central pillars of Modena’s visual language. Having “outgrown the playground of a one-year-old,” Modena now moves into year two with a more confident identity and a refined user experience that reflects the sophistication of the platform beneath it.

Jan (CFO): Discipline as a Growth Engine

For Jan, the defining achievement was the launch of the Investor Portal and Modena’s expansion into Germany and Central Europe. Adding credit agreements alongside factoring allowed Modena to meet investor demand consistently and responsibly.

The challenge for year two remains clear: maintain uncompromised credit quality while continuing to offer competitive returns and a steady supply of high-quality assets.

Looking Ahead

Year one was foundation-building. Year two will be about clarity, scale and a more seamless investor experience — always rooted in discipline and transparency. Modena Capital is only just beginning.

October Recap: Consistent Growth Underpinned by Trust

Modena Capital’s October showed strong momentum — 112% more active investors, 148.56% growth in Spain, and a new investment every 79 minutes.


November 5, 2025

October was a breakthrough month for Modena Capital — powered by investor trust and measurable results.


October at a glance

  • +112% new active investors vs. September
  • Every 79 minutes a new investment was made
  • Spain saw +148.56% growth in active users 🇪🇸
  • 4 out of 10 investors made more than one investment in October

Consistent growth underpinned by trust

Our community expanded rapidly, with new active investors up 112% vs. September. This momentum reflects sustained confidence in the Modena model and translates into predictable, repeated action: a new investment every 79 minutes, and frequent reinvestments that compound over time.

Spain registers significant advance

Spain was October’s standout market, recording an impressive +148.56% increase in active users — our most active month in Spain to date. The performance validates our cross-border strategy and the scalability of our operating model.


Key metrics (what this means for you)

MetricModena ResultInvestor Benefit
Average Annualized Returns12.37%Your capital grows steadily, generating reliable passive income.
Default Rate0.4%Your investments benefit from an exceptionally low default rate of 0.4%, significantly below the P2P industry average of 2–5%.
Asset Utilization98%Your money doesn’t sit idle — 98% of capital is working to maximize returns.
Repeat Investments40% of investorsConfidence in action: many investors chose to invest multiple times in October.

All figures are based on Modena Capital internal data as of October 2025.


More than a platform: new identity, same mission

October also marked the completion of our refreshed brand identity — a visual language that reflects who we are today: professional, integrated, and expanding. The rollout begins soon.

Looking ahead

  • Scale what works in Spain and other European markets
  • Keep improving investor experience and transparency
  • Maintain disciplined risk controls while pursuing steady growth

As of the end of October, 847 investors had joined Modena Capital — a growing community built on trust rather than scale. Having been active in the market only since November 2024, we’re proud of the strong foundation we’ve built in such a short time.


Explore our live investor statistics: modena.capital/statistics

Der Oktober auf einen Blick

  • +112 % neue aktive Investoren im Vergleich zum September
  • Alle 79 Minuten wurde eine neue Investition getätigt
  • Spanien verzeichnete ein Wachstum von +148,56 % bei den aktiven Nutzern 🇪🇸
  • 4 von 10 Investoren tätigten im Oktober mehr als eine Investition

Konstantes Wachstum auf Basis von Vertrauen

Unsere Community wuchs rasant, mit einem Anstieg der neuen aktiven Investoren um 112 % gegenüber September. Diese Dynamik spiegelt das anhaltende Vertrauen in das Modena-Modell wider und führt zu vorhersagbaren, wiederholten Handlungen: alle 79 Minuten eine neue Investition und häufige Reinvestitionen, die sich im Laufe der Zeit summieren.

Spanien verzeichnet signifikanten Fortschritt

Spanien war im Oktober der herausragende Markt und verzeichnete einen beeindruckenden Anstieg der aktiven Nutzer um +148,56 % – unser bisher aktivster Monat in Spanien. Diese Leistung bestätigt unsere grenzüberschreitende Strategie und die Skalierbarkeit unseres Geschäftsmodells.

Wichtige Kennzahlen (was das für dich bedeutet)

KennzahlModena-ErgebnisVorteil für Investoren
Durchschnittliche annualisierte Rendite12,37 %Dein Kapital wächst stetig und generiert verlässliches passives Einkommen.
Ausfallquote (Default Rate)0,4 %Deine Investitionen profitieren von einer außergewöhnlich niedrigen Ausfallquote von 0,4 %, deutlich unter dem P2P-Branchendurchschnitt von 2–5 %.
Kapitalauslastung98 %Dein Geld liegt nicht untätig herum – 98 % des Kapitals arbeiten, um die Rendite zu maximieren.
Wiederholte Investitionen40 % der InvestorenVertrauen in Aktion: Viele Investoren entschieden sich im Oktober, mehrfach zu investieren.

Ekspordi teenusesse Arvutustabelid

Alle Zahlen basieren auf internen Daten von Modena Capital (Stand: Oktober 2025).

Mehr als eine Plattform: neue Identität, gleiche Mission

Der Oktober markierte auch den Abschluss unserer aufgefrischten Markenidentität – eine visuelle Sprache, die widerspiegelt, wer wir heute sind: professionell, integriert und expandierend. Der Rollout beginnt bald.

Blick nach vorn

  • Skalierung dessen, was in Spanien und anderen europäischen Märkten funktioniert
  • Verbesserung der Investorenerfahrung und Transparenz
  • Beibehaltung disziplinierter Risikokontrollen bei gleichzeitigem stetigem Wachstum

Ende Oktober waren 847 Investoren Modena Capital beigetreten – eine wachsende Community, die auf Vertrauen statt auf reiner Masse aufbaut. Da wir erst seit November 2024 auf dem Markt aktiv sind, sind wir stolz auf das starke Fundament, das wir in so kurzer Zeit aufgebaut haben.

Modena Estonia 2025 Financial Overview

As the final quarter of 2025 is well underway, I’d like to share a brief overview of Modena Estonia’s financial and portfolio performance during the first three quarters of the year.


October 23, 2025

Our focus remains on sustainable growth, portfolio quality, and operational efficiency, with transparency and predictability.

Modena Estonia 2025 key financial metrics (first three quarters)
Modena Estonia key financial metrics for the first three quarters of 2025

These results reflect a disciplined and healthy trajectory for our Estonian operations. Stable income and high on-time repayment levels demonstrate that Modena’s focus on risk control and portfolio quality continues to deliver consistent outcomes.

In September, we reached an important milestone: 98% of investor funds in the Vault were actively invested within the asset pool, reflecting strong liquidity management and steady investment demand.

Jan Reimann, CFO, Modena Capital