Millea
Millea is a lending platform run by Millea OÜ, an Estonian company registered in May 2026 under number 17513212. Investors buy parts of loans that the Latvian group company SIA Millea has granted to the group's own retail businesses. Up to October 2026 every listing financed a SPAR grocery store in Riga in rented premises, covering fit-out, equipment, opening stock and working capital, with a minimum of 1,000 euros per loan. Platform, lender and borrowers belong to one group, and the company registers show Gatis Vanags as the sole owner of every Millea company. Interest accrues daily from the first full day after the investment and is added to the loan, on some loans always, on others by default with the option to switch it off. There is no buyback obligation, the assignment agreements list no collateral, and the claims rank behind any senior financing. There is no secondary market and claims cannot be passed on to other investors. An investor can ask the lender to buy a claim back early; the request is not binding, and cashback already received is reduced pro rata. Residents of Latvia and Estonia cannot invest.
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Important Notes
- Import the "Wallet Statement" (Excel)
- Cashback and bonuses that Millea credits into a loan show up in the export as loan interest. P2P Dash books such a row as a bonus when it lands on the same day and loan as an investment of €1,000 or more and is a round percentage of it. Anything else stays interest.
Alternatives to Millea
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
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 2,058 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Millea
Answers based on anonymized community data from P2P Dash investors.
What is Millea?
Millea is a peer-to-peer lending platform, founded in 2026 (headquarters: Estonia). On P2P Dash, investors import their Millea account statements to track the real net return they earn there.
Is Millea regulated?
No, Millea does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Millea offer a buyback guarantee?
No, Millea does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Millea portfolio?
Export your transaction history from Millea (excel) 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 Millea?
Based on the community ranking, the closest alternatives to Millea in the same asset class are Triple Dragon Funding, Debitum, Maclear. Each platform page shows real median returns and investor numbers from the P2P Dash community.