April 22, 2026,

Go & Grow Is Now a Standalone Brand: What This Means For You

Go & Grow

Editorial team

We are entering a new era: Go & Grow is now officially a standalone brand. But before we go into the details, let’s cover the most important part: nothing changes for you as a customer. You can keep using Go & Grow exactly as you do today; no action is required.

As Go & Grow has evolved into a widely used and trusted product across Europe, we’ve updated its underlying structure to match the scale and maturity of the business.

From 20 April 2026, the legal entity behind Go & Grow, Bondora Capital OÜ, has been renamed Go&Grow OÜ and will soon operate as an independent brand outside the Bondora Group.

Why we are making this change

Over time, Bondora has developed into two strong, clearly established areas of business:

a responsible consumer lending business, operating across multiple European markets,
and Go & Grow, which provides a simple, trusted way for customers to access a diversified portfolio of loans, issued by Bondora.

Structuring them as separate companies brings clearer focus and governance to each, while preserving the close cooperation between Bondora and Go & Grow.

This change reflects how the business already operates today and supports its continued growth in the future.

What this means for you

For you as a Go & Grow customer, everything continues to work as it always has.

What stays the same

You continue using the same Go & Grow account, app, and login.
Your balance, investments, and withdrawals are unaffected.
Go & Grow continues to provide simple access to a diversified portfolio of consumer loans issued by Bondora.
The target return mechanics and liquidity model stay the same.
No action is required from you.

What changes

The legal entity name behind Go & Grow is now Go&Grow OÜ.
You will see a new domain: www.goandgrow.eu
Emails and documents will come from the updated brand and legal name.
The visual identity and branding will gradually reflect Go & Grow as a standalone brand.

If you notice these updates, you can be confident that it’s still us, and your account and funds continue to be managed in the same way as today.

How Go & Grow and Bondora work together

Although Go & Grow now operates as a separate company from Bondora Group, the close cooperation with the lending business remains unchanged.

Bondora continues to originate and service consumer loans in its markets under the same risk management principles, licenses, and regulatory supervision as before. At the same time, Go & Grow focuses fully on providing a simple, automated investment experience.

Both companies remain owned by the same group of core shareholders.

Built for long-term stability and growth

Bondora was founded 18 years ago with a clear mission: to connect investors and borrowers through simple, accessible, and transparent financial solutions.

That mission remains unchanged.

Today’s step ensures that Go & Grow is structured in the best possible way to continue delivering a simple, reliable experience for hundreds of thousands of customers – now and in the years ahead.itions Go & Grow for an even stronger future to support your financial goals.

Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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Frequently Asked Questions

How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

At the same time, Bondora Capital is subject to all relevant general regulations, including (but not limited to) the Estonian Consumer Protection Act, the Law of Obligations Act, the Commercial Code, the Accounting Act, the Competition Act, and the General Data Protection Regulation (GDPR).

Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

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What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Bondora’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Bondora goes bankrupt?
Your money is protected. Even in the highly unlikely event that Bondora Capital becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Bondora Capital.

This means Bondora’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Bondora’s bankruptcy estate.

Risks related to Bondora as a company are separate from the risks associated with your investment portfolio. Simply put, if Bondora disappears, your investment doesn’t.