Back on the Radar: Catching Up This August
It’s been a little while since our last monthly recap, so we thought it was time for a proper catch-up. Before summer gets away from us, let’s look back at recent months, take a closer look at July’s numbers and go through a few useful updates and reminders for August.
📊 July in Numbers
Let’s get straight to the numbers and see how the platform looked in July.
During the month, 3.91 million EUR in loans were funded, bringing the total value of loan claims sold on Swaper to more than 1.126 billion EUR. Meanwhile, interest paid to users reached 19.91 million EUR and our community grew to 10 618 registered users.
Curious to dig deeper? Visit our Statistics page for the latest platform figures and updates.
A Closer Look at Cash Drag and Loan Availability
There’s more good news behind the numbers. Average cash drag for High-Yield portfolios currently stands at 4.14%, compared with 6.20% for Advanced portfolios. High-Yield was built with consistent allocation in mind, without the need to set individual criteria and the current results show how that works in practice.
And there’s plenty happening on the loan side too. Long-term loans currently make up most of the available loan structure, with 89% consisting of 24-month loans and another 8% of 12-month loans. Short-term loans account for the remaining 3%. Long-term loans generally offer higher returns and greater stability, giving users more options for keeping funds active over a longer period.
Annual Reports: What’s Published and What’s Next
Transparency remains an important part of keeping you informed about the Loan Originators behind the platform.
Our latest blog post covers the Wandoo Finance Group Annual Report for 2025, including the key financial results and highlights from the past year. If you haven’t had a chance to read it yet, you can find the full overview on our blog post here.
And there’s more to come. SW Finance’s Annual Report will be ready soon, followed by the Swaper’s Annual Report.
We’ll share both once they’re available, so keep an eye on the blog for the latest updates.
Deposits & Withdrawals – A Friendly Reminder
A couple of quick reminders to keep things running smoothly:
- Withdrawals: Please plan ahead. Withdrawal payments are usually processed on the second business day after your withdrawal request (excluding weekends and Estonian public holidays). Once processed on our side, the final arrival time depends on your bank, provided that all payment details are correct.
- Deposits: When adding funds, make sure to include your User Account number in the payment purpose field and avoid using automatic translation on our payment details page. This helps us process your payment smoothly and without unnecessary delays.
- Important: All withdrawals can only be made to the personal bank account linked to your User Account.
- Payments from abroad: Please note that payments made from outside the EU, EEA, UK, or Switzerland will be returned and may be subject to additional fees. Please double-check this before making a transfer to avoid unnecessary costs.
💡 Pro tip: Use all the payment details exactly as shown on our Payment Details page. This helps your payment reach the right place and be processed without unnecessary delays.
Estonian Public Holiday Coming Up
Estonia celebrates Independence Restoration Day on August 20, so please keep the public holiday in mind when planning payments, including both deposits and withdrawals, or reaching out to our support team.
Bank processing times are also affected by the holiday, so if you need your funds by a certain date, it’s always a good idea to plan a little ahead.
Until Next Time!
That’s our catch-up for now! It’s good to be back with another monthly update and we’ll make sure there’s less time between this one and the next.
As always, thank you for your continued trust and for being part of the Swaper journey. Stay tuned for what’s next!
Your Swaper Team