![\"](\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/image-849.png\")
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In January, 4,714 new investors <\/strong>kicked off their year by joining Bondora. This is higher than any number of new investors we saw last year! What a great way to start 2022. There are now over 190,105 investors on Bondora. Our total investments have increased to \u20ac553M\u2014up more than \u20ac13M from December<\/a>. Investors have also earned more than \u20ac62M in returns in total.<\/p>\n\n\n\n <\/p>\n\n\n\n In January, loan originations for 2022 started slightly slow, with \u20ac14,283,101 loan originations<\/strong> on the platform. But, this is a vast improvement compared to just \u20ac6,186,462<\/a> that was originated in January 2021. Finnish loans not only make up the largest share of originations, but their share skyrocketed from 56.2% to 70.3% of the loan portfolio. Estonian loans now make up 28.3% and Spanish loans 1.4%.<\/p>\n\n\n\n In contrast to the up and down pattern we\u2019ve become accustomed to with the Secondary Market, <\/strong>January\u2019s activity continued to decline from December\u2019s drop, falling from \u20ac250,404 in December to \u20ac223,396 in January. API transactions rebounded from their fall in December, bouncing back by 25.5%. The other categories declined. Overall, activity saw a drop of 10.8%.<\/p>\n\n\n\n We ended off 2021 with a good month of collection and recovery<\/strong>. We recovered 73,962 default payments, resulting in \u20ac855,788 cash collected. As we\u2019ve seen throughout the last few months, the Bailiff stage is responsible for the most cash recovered, by far.<\/p>\n\n\n\n Our collection and recovery<\/strong> team set the bar high for 2022. In January, they increased the number of payments and the amount of cash collected. A total of 75,219 payments were recovered\u2014a 1.7% increase. And the cash recovered from those payments increased by 7.6% to \u20ac920,640. The most cash was recovered from Estonia during the Bailiff stage.<\/p>\n\n\n\n In January, a total of \u20ac14,092,612 was invested on Bondora. Even though there was a decline of 14.7% in product funding, <\/strong>it was still an excellent start to the year compared to January 2021<\/a>, when only \u20ac6,186,462 was invested. As always, Go & Grow amassed the most funding\u2014\u20ac13,089,600. This is a 92.9% share of all investments. Portfolio Manager still has the 2nd<\/sup> biggest share (4.1%) with \u20ac575,936 invested.<\/p>\n\n\n\n Go & Grow – 14.7%<\/strong><\/p>\n\n\n\n Portfolio Manager – 12.7%<\/strong><\/p>\n\n\n\n Portfolio Pro – 17.4%<\/strong><\/p>\n\n\n\n API – 5.3%<\/strong><\/p>\n\n\n\n The year is off to a modest start when it comes to loan originations and investments. But we\u2019re happy to be in a much better position now than one year ago. Our collection and recovery efforts have also paid off and started 2022 well. All this sets us up for what we\u2019re hoping will be a year of breaking records.<\/p>\n\n\n\n![\"\"](\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/EN-2.png\")
<\/figure><\/div>\n\n\n\nProduct funding figures:<\/h2>\n\n\n\n
In a nutshell:<\/strong><\/h2>\n\n\n\n