7Harvests Review 2026
- Written by
- Just P2P
- •
- Updated September 9, 2026
7Harvests is a peer-to-peer (P2P) lending platform on which retail investors finance European borrowers through claims assigned by the platform. These investors provide business and personal loans, receiving in return monthly interest payments according to a predefined schedule.
Switzerland is an unusual base for a P2P lending platform, outside the European Union, with oversight resting on self-regulatory organisations. On that ground, 7Harvests has built its early strategy around compliance and governance, while its membership application is still being processed.
Let’s perform the review of 7Harvests.
Table of contents
What is 7Harvests ?
7Harvests is a peer-to-peer lending platform based in Switzerland that connects investors with European borrowers, mainly businesses but also potentially individuals. Starting from 50 €, investors can finance consumer, SME and real estate loans, backed by a two-layer buyback obligation, and receive monthly interest payments.
Company 7 Harvests AG
7 Harvests AG is a Swiss company limited by shares based in Zug, founded in April 2024 and registered under the number CHE-356.409.118, with a share capital of 100,000 CHF. Its registered purpose covers the technological development and management of advertising technologies and digital assets, along with fiduciary and financial transactions.
Originally registered as Toucan Technology Solutions AG, this fintech software development company was specialised in P2P lending platform infrastructure. It was acquired and renamed 7 Harvests AG in March 2026, with a new board appointed the same month. The platform went live in May 2026.
Regarding regulation, 7 Harvests AG is currently in the application process for becoming a member of the VQF (Verein zur Qualitätssicherung von Finanzdienstleistungen), a FINMA-recognised Self-Regulatory Organisation under Switzerland’s Anti-Money Laundering Act.
Shareholder / Founder
Ričardas Vandzinskas is the founder and chairman of the board of 7 Harvests AG. He started his career in audit at KPMG and PwC, then became CFO of Kaunas International Airport in 2008. He later served as group CFO for Hoptrans, FIMA and Ruptela, and as Chief Investments Officer at Skyways Technics.
In the P2P lending field, he briefly joined Aventus Group in 2020, the group behind most of PeerBerry’s loan originators. He then co-founded Hive5 in 2022 with Andrius Rupšys, CEO of Ruptela, ran it as CEO and held 35% of the holding Hive Finance, until Ruptela Group bought him out in 2025.
Beyond his role as chairman, he invests his own money in the loans listed on the platform, an alignment he describes as a personal decision rather than a company policy. As the founder of 7Harvests, he may hold the entire share capital or share it with other investors, but this information is not disclosed.
Governance and compliance
Kurt Alexander Schöllhorn sits on the board of 7 Harvests AG as an independent member. He supervises the company’s management and reviews its risk policy. He has been running the anti-money laundering training of the VQF since 2011, as an expert in finance and banking.
Head of Back Office and Compliance at F Trust AG, the fiduciary firm hosting 7 Harvests AG at its Zug address, he has also served as anti-money laundering officer of Swiss Merchant Group AG since 2016. He holds mandates in 53 other Swiss companies, spanning consulting, investment brokerage, fund management and IT.
Daniel Wiśniewski serves as the independent AML officer, covering compliance, KYC procedures and ongoing transaction monitoring. Holder of the CAMS certification, he previously worked at Credit Suisse and at Sygnum Bank, a Swiss regulated bank specialised in digital assets. He currently works at compliance firm JayBee AG.
Kurt Schöllhorn
Daniel Wiśniewski
How does 7Harvests work ?
7Harvests is a P2P marketplace
7Harvests operates as an intermediary between borrowers and investors. The platform signs the loan agreement with the borrower itself, then assigns the resulting claim to the investors who funded it, through a Claim Purchase and Assignment Agreement. As a result, investors hold a claim against the borrower rather than against the platform.
Once a project is fully funded, the platform transfers the loan amount to the borrower, minus a success fee and an allocation to a provision fund, neither of which is quantified publicly. Should a borrower fall behind, this fund covers the interest payments due to investors.
7Harvests also acts as collateral agent on behalf of investors, collecting repayments, distributing them and enforcing security when needed. Investors are therefore represented by the platform in any enforcement action. Projects raising 1 million CHF or more cannot be listed without additional regulatory measures.
Borrowers and loan selection
7Harvests advertises consumer, SME and real estate loans across several markets, granted to European individuals and businesses pursuing a clear business objective. Interest rates charged to borrowers range from 7% to 15% per year. So far, the only loan listed on the platform is a business loan.
Before a project is listed, 7Harvests reviews the borrower’s history, financial solvency, business plan and repayment schedule. Background checks are run on its management and beneficial owners. Access to registers and third-party databases is also granted for the whole duration of the project.
The first project listed on the platform is Lithuanian craft brewery Bear and Boar, raising 250,000 € over 12 months for refinancing and working capital, after completing a tenfold capacity expansion in 2024. Security for this first tranche rests on the founders’ personal guarantees, with full collateral announced for the next one.
Investing on 7Harvests
Who can invest ?
To invest on 7Harvests, investors must be at least 18 years old and complete an identity verification by SumSub. Both individuals and companies can open an account, the latter providing a commercial register extract, evidence of the representative’s authority and the identity of its beneficial owners.
The General Terms and Conditions are directed solely at users residing or established in Switzerland, and investors based elsewhere must confirm that they discovered the platform on their own and initiated the first contact. US citizens are excluded altogether.
The interface is available in English only, although the website states that investors from most countries can take part, subject to local regulations. Adding German, French and Spanish versions would help the platform reach the largest communities of European P2P investors.
Chronology of a P2P investment
On 7Harvests, the minimum investment per project is 50 €, for durations ranging from 6 to 60 months, and total contributions per investor are capped at 100,000 CHF. Advertised returns reach up to 15% per year, with the exact rate, term and repayment schedule displayed on each listing before investing.
The repayment structure is defined project by project, on the basis of either a bullet loan or an annuity schedule. In the first case, interest is paid monthly and the principal returned at maturity, while the second combines interest and amortisation in each instalment.
Projects are generally listed for 30 days, a period borrowers can extend subject to the platform’s approval. Interest starts accruing on the day the project is successfully funded, and payments are made monthly unless the listing specifies otherwise.
Should a borrower fall more than 3 days behind, 7Harvests keeps paying the interest due to investors from its future provision fund. This mechanism is designed to shield investors from short delays, and it runs until the borrower resumes payments or the fund allowance is exhausted.
Beyond 30 days, a soft collection process begins to identify a solution with the borrower. After 60 days, the platform initiates legal proceedings and enforces the collateral, and the buyback obligation applies with the loan repurchased in full, including accrued interest.
Conversely, if a borrower repays the loan early, investors receive their principal and all accrued interest. In such a case, the minimum period for which interest is paid remains three months, even when the loan is settled sooner. Investors then find these amounts credited to their account balance, ready to be reinvested or withdrawn.
Getting started
Registering on 7Harvests requires a name, a phone number and an email address. Investors can then start the identity verification process, which generally takes a few minutes. Beyond the usual selfie, they must upload a valid identity document and a proof of address of their choice.
Then, to enable deposits and withdrawals, investors must register their bank account by transferring a small amount to their 7Harvests account. Deposits start from 50 € and are made by SEPA transfer, credited within one to two business days. No commission is charged on deposits, investments or withdrawals.
The platform currently offers a 21 € welcome bonus to new investors, credited in three steps for registering, completing the verification and making a first investment. The 7Circle referral program adds a cashback or a permanent rate boost of up to 1%, granted to both the referrer and the referred investor.
On top of the standard returns, 7Harvests has set up a loyalty program that currently applies for the whole duration of the investment. There is no additional condition beyond the amount invested (no minimum seniority is required). There are 3 levels :
- Tier 1 Seed : +1% from 1,000 € invested
- Tier 2 Growth : +2% from 10,000 € invested
- Tier 3 Harvest : +3% from 35,000 € invested
How to invest on 7Harvests ?
7Harvests offers three ways to invest, each unlocked at a different investment level. Manual selection is open to everyone, Simple Auto-invest becomes available from 1,000 € invested, and Advanced Auto-invest from 10,000 €. These thresholds match the first two tiers of the loyalty program.
Investing manually means browsing the live listings, each carrying a risk rating from A to E, a term and an interest rate. The full loan documentation is available before committing any capital, so investors can assess the borrower and the security attached to the project.
Simple Auto-invest allocates between 10 € and 50 € per loan, once the investor has set a risk level, a diversification target of at least 20 loans and reinvestment rules. Advanced Auto-invest adds filters on country, loan type, originator, term and loan-to-value ratio. Both strategies can be adjusted or stopped at any time.
Is it safe to invest on 7Harvests ?
While waiting for its VQF membership, 7Harvests has already put some investor protections in place : a named governance structure, a two-layer buyback and segregated client funds. Nevertheless, the platform remains young, with a very short track record and limited borrower diversification. Aligning the website figures with the terms should be a priority.
Pros to investing on 7Harvests
Two-Layer Buyback
7Harvests states that all loans listed on the platform are covered by a buyback guarantee. If a borrower falls more than 60 days behind, the claim is repurchased in full, including the interest accrued until that date. Before that stage, the future provision fund is meant to cover the monthly interest payments from the third day of delay.
In addition, 7Harvests commits to stepping in at platform level, as Income Marketplace does with its Junior Share, for example. To back that commitment, the company claims to permanently maintain a cash-to-portfolio ratio of at least 10% from its own operating liquidity.
So far, the only project listed has been contracted directly by 7 Harvests AG, without any intermediate lending company standing between the borrower and the platform. Neither the provision fund nor the liquidity buffer has been quantified, whereas these figures would give the structure the substance its design suggests.
Named Governance Structure
In a LinkedIn post published shortly after the launch, the founder named three control functions : an independent board member, an AML officer and an external auditor. Two of these appointments can be checked in the Swiss commercial register, which is more disclosure than most platforms provide at this stage.
Having designed and delivered the anti-money laundering training of the VQF since 2011, as an expert in finance and banking, Kurt Schöllhorn knows from the inside what the self-regulatory organisation expects from its members, at a time when 7 Harvests AG is applying for that very membership.
His independence deserves a nuance, since he heads back office and compliance at F Trust AG, the fiduciary firm hosting the company he oversees. The same applies to the auditor : the report published by 7Harvests is signed by two licensed audit experts of bePartner AG, not by the auditor named at launch.
Segregated Client Funds
7Harvests states that client money sits on an account kept separate from its own operating funds, held with Swiss banks. In a wind-down scenario, a third-party administrator would take over loan servicing and repayments would continue according to the initial schedule.
This protection covers the cash waiting on the account, not the capital already lent, which remains exposed to the borrower. No bank or payment institution has been named yet as the custodian of these accounts, leaving the arrangement resting on the platform’s own statement.
The General Terms and Conditions are also explicit about what segregation does not provide. Client money falls outside the Swiss deposit insurance scheme and carries no preferential ranking should 7 Harvests AG go bankrupt, the same document acknowledging a risk of total loss.
Cons to investing on 7Harvests
No Track Record
7Harvests opened to the public in May 2026, and no portfolio statistics have been published yet. Funded volumes, repayment performance, outstanding amounts, late loans and average returns are missing, leaving investors without any concrete measure of how the platform actually performs.
Moreover, the quarterly financial and operational reporting announced on the homepage has yet to produce any report. The only financial statement accessible to investors covers the period before the platform even started operating.
Publishing a statistics page from the start, even with a single project on it, would already give investors a first reference point. Sharing figures on the projects turned down, a topic the platform has covered on its blog, would also show how selective the due diligence actually is.
Regulation Still Pending
7Harvests holds no licence under the European Crowdfunding Regulation, nor any MiFID II authorisation. Such a licence would come with capital requirements, ongoing supervision by a national authority, a standardised information sheet handed to investors before each project, and an appropriateness test for newcomers, as on Debitum.
Nevertheless, 7 Harvests AG is going through the application process for VQF membership, which would place it under a FINMA-recognised self-regulatory organisation on anti-money laundering matters. Swiss law imposes real obligations in that field (periodic inspection, compliance handled by a certified professional).
The founder has explained this choice, pointing to segregated investor accounts, ongoing compliance obligations and a Swiss-certified auditor. These safeguards are not specific to Switzerland, as Maclear also shows. The EU framework would add the capital requirements and the supervision listed above.
Website Contradicts Terms
Several figures shown on the website do not match the General Terms and Conditions. The site advertises a 50 € minimum investment and returns of up to 15% per year, where the binding document sets a 500 € minimum and caps interest at 12%. Investors should keep in mind that the contract prevails.
The same applies to who the service is meant for. According to the website FAQ, investors from most countries can take part (without any restriction to Europe), while the contract restricts both the service and the referral program to Switzerland alone. Non-residents must confirm they approached the platform themselves.
None of this prevents an investor from reading both documents, since the terms are complete and freely accessible without registration. Aligning the marketing pages with the contract would nonetheless remove an ambiguity that serves no one, starting with the platform itself.
Limited Diversification Options
7Harvests advertises consumer, SME and real estate loans across several markets, but only one business loan has been listed so far. Building a portfolio spread across sectors, countries and loan types is therefore not possible today, whatever the amount invested.
The tools are already there for the day it becomes possible. The advanced auto-invest offers filters on country, loan type, term and loan-to-value ratio, and the simple automated strategy sets a diversification target of at least twenty loans.
What remains missing is the flow of projects that would give these filters something to work with. Until several listings run in parallel, investors concentrate their exposure on very few borrowers, a limitation which is precisely what diversification is meant to avoid. Revest shows the same type of limitation.
No Secondary Market
7Harvests announces loan terms ranging from 6 to 60 months, and investors have no way to exit before maturity. The General Terms and Conditions provide a legal framework for a secondary market, with an assignment agreement between investors, but nothing has been implemented on the platform so far.
For medium and long-term investors, this absence is not necessarily a problem. Their horizon already matches the duration of the projects listed, and the lack of a secondary market also prevents the speculation seen on platforms like Esketit, where claims are resold at a premium.
One wording nonetheless deserves attention. The zero delay withdrawals advertised on the homepage only apply to cash sitting idle on the account, not to capital committed to a project. With terms that can reach five years, as on Lendermarket, investors should size their allocation accordingly.
Opinion on 7Harvests
Launched in May 2026, 7Harvests mainly offers business loans from 50 € with advertised returns of up to 15% p.a. The platform announces several protection mechanisms, among them a buyback obligation triggered after 60 days and a second layer stepping in at platform level, none of them quantified or tested so far.
Appointing a board member, a certified AML officer and an external auditor from the start is a sound signal. However, beyond one audit covering a period before the platform started operating, no report or deliverable has been published yet. Publishing that work as it comes would give the structure its weight.
In the same vein, securing the VQF membership quickly matters, as it would bring a first external confirmation of the platform’s compliance. Yet that membership stays limited to anti-money laundering matters, meaning that financial soundness and investor protection remain for 7Harvests to demonstrate.
Judging how the platform will perform is difficult with a single project listed. No portfolio statistics have been published, and the quarterly reporting announced on the homepage has yet to appear. Offering a minimal set of statistics, even at this early stage, would show a real willingness to be transparent about its track record.
Widening the offer is just as pressing. Consumer, SME and real estate loans are advertised across several markets, but only one business loan has reached the platform so far, with no indication of when further projects will be listed. Until several listings run in parallel, investors cannot spread their exposure.
To conclude, 7Harvests has built its foundations before its track record, which seems a logical approach. The coming months will show whether the platform can turn a carefully designed structure into published figures, confirmed membership and a steady flow of projects investors can actually assess.
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About the Author
Silvère is an economist and IT engineer with numerous years of experience in business management, FinTech investment and digital marketing. He invests mainly in crowdlending especially P2P lending, P2B lending, and real estate crowdfunding.
Article sources
1. 7Harvests LinkedIn page
2. 7Harvests YouTube channel
3. FINMA – SRO member search
4. Commercial register extract
5. Why the founder built the platform
6. First listing – Bear and Boar
7. Board, AML officer and auditor
8. 7Circle mechanics
9. The buyback promise
10. What happens if the platform closes
11. Loans turned down
12. 21 € welcome bonus
13. Anti Money Laundering Policy
14. General Terms & Conditions
15. How it works
16. FAQ
17. About the platform
18. Financial statement 2024-2025