MyPeak Finance Review 2026 – Passive income with winter tourism?
MyPeak Finance* is a new and exciting platform that promises to combine interest rates with ski tourism. At first glance, the concept appears viable, as it is backed by a group that has been operating successfully for many years and specializes in precisely this area.
But that’s not all: with MyPeak Finance and the group behind it, we are not focusing on the Baltic states, because the company naturally operates where there are mountains, and unfortunately that does not include the Baltic states at all. Instead, we have destinations in our portfolio that are rarely found in P2P lending, as well as 125 employees spread across 28 countries.
As always, I invested myself before writing this article, and in this case, as usual, around EUR 10,000 + 3% cashback (1% regular + 2% early lender). This allows me to show you not only the theory, but also my real experiences as an investor.
You can find additional tutorials on the homepage of the English section of my blog.
(Bonus conditions: the extra 1% applies to all investments made in the first 60 days. In addition, there is currently a 1% “Early Lender” cashback for 30 days until 19.04.)
Please note my disclaimer. I do not provide any investment advice or make any recommendations. I am personally invested in all the P2P platforms I report on. All information is provided without guarantee. Past performance is not indicative of future results. All links to investment platforms are usually affiliate/advertisement links (possibly marked with *), where you can benefit, and I earn a small commission.
Inhalte
- What is MyPeak Finance?
- MyPeak Finance Review – All important data at a glance
- Registration for investors
- MyPeak Finance Review: How does the platform work?
- Is there an Auto Invest
- Is there a secondary market?
- In which countries can you invest?
- What projects can you invest in on MyPeak Finance?
- What are the costs on MyPeak Finance?
- What is the return on MyPeak Finance?
- When will the first interest payments on MyPeak Finance be made?
- What is the minimum investment amount on MyPeak Finance?
- Does MyPeak Finance offer a buyback guarantee?
- Is there an app for MyPeak Finance?
- Can you invest money in other currencies?
- How exactly do taxes work on MyPeak Finance?
- Is there a tax statement on MyPeak Finance?
- Is investing with MyPeak Finance risky?
- Advantages and disadvantages of MyPeak Finance
- Conclusion of my MyPeak Finance review
What is MyPeak Finance?
MyPeak Finance is the new financing arm of the Amitours Group and operates under brands such as Alps2Alps, Rock2Rocks, Skibookers, and PaxRide. Ultimately, it’s usually about transporting people from A to B and providing them with everything they need for a winter vacation. That means cars, resorts, passes, ski equipment, etc.
According to its own information, Amitours has already served approximately 1.66 million customers worldwide and has 16 years of experience in winter tourism. It has approximately 250,000 customers annually and manages a fleet of over 7,000 vehicles. The preliminary profit forecast for 2025 is around EUR 20 million. So we are definitely not dealing with a small business here.
MyPeak Finance is now attempting to establish a faster and more independent source of financing, as many companies have already done before it. As investors, we can now benefit from this as lenders.
The most important features of MyPeak Finance at a glance:
- No focus on the Baltic States.
- Daily compound interest, payouts once a month.
- Investments possible from EUR 1.
- High interest rates, in some cases over 16%.
- Financing arm of a long-established company that also guarantees repayments.
MyPeak Finance Review – All important data at a glance
Before we go into the details of the MyPeak Finance review, here is the most important data for you in one place.
| Started: | 2025 (however, the group of companies was already founded in 2006.) |
| Company Headquarters: | Tallinn, Estonia, operating as Amitours Holding OÜ |
| CEO / Corporate management: | Rihards Sakovics, there from the start |
| Regulated: | No |
| Assets under Management: | unknown |
| Financed Loan Volume: | unknown |
| Number of Investors: | unknown |
| Return on Investment: | currently between 15% and 16% |
| Buyback guarantee: | There is a corporate guarantee from Alps2Alps |
| Minimum investment amount: | 1 EUR |
| Auto Invest: | No |
| Secondary Market: | No, but an early exit function is still planned for 2026. |
| Issue of a tax certificate: | No, but it is in the works (currently there is a simple account statement). |
| Investor loyalty program: | Not yet |
| Starting bonus: | Yes, 1% of the invested amount for the first 60 days via this link*. |
| Rating: | Included in the Premium Rating, further information available in the public rating. |
| Community Voting: | not yet rated |
| Last annual report: | No annual report has been published yet due to the company’s age. However, annual reports are available for affiliated companies. |
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The history of MyPeak Finance
Registration for investors
Registering on MyPeak Finance is not particularly complicated. It consists of the following steps:
- Create an account by entering your email address and password.
- Verify your identity (e.g., with your ID card) in less than a minute.
- Enter your personal data later on.
You cannot register with your company yet, but this option is expected to be available in the course of 2026. After registering and making a deposit, you are then ready to invest in your first tourism projects.
Signing up with MyPeak Finance is quick and easy.
MyPeak Finance Bonus
Via my link*, you will receive 1.0% cashback on all investments you make in the first 60 days after registering, so you can benefit from higher interest rates right from the start.
From time to time there are also limited-time bonus promotions at MyPeak Finance. These are always listed promptly in my P2P platform comparison. After registering, you should see a large banner in your account with a timer counting down. This tells you that the registration via my link has worked.
If you use my link, you do not need to enter a referral code when registering!
You should see banners like this sometime after you register.
How do I deposit money?
Depositing money is, as always, the easiest step in investing. In your dashboard, click on “Deposit” and you will be taken directly to the deposit screen. Alternatively, you can click on the plus sign next to the small coins in the top left corner. Here you can then transfer money to the account stored there.
Please note that the transfer must come from a personal bank account. This account will also be verified for subsequent withdrawals.
The payment details for MyPeak Finance.
How do I withdraw money?
If you want to withdraw capital or excess interest from MyPeak Finance, go to “Withdraw” on your dashboard. You can then specify an amount and have it paid out to your account.
There is no fee for withdrawing funds. Funds can only be withdrawn to a bank account that belongs to you. If you want to register a new account for withdrawals, you must make a new deposit from a new personal account. Funds can be withdrawn from EUR 50.
The withdrawal screen on MyPeak Finance.
Can I also deposit and withdraw by credit card?
At the moment, you cannot use credit cards for deposits and withdrawals. These must be made with a bank account. Depositing via a bank account is also used for identification purposes.
However, if you use Wise or Revolut, you can top up these accounts by credit card if you wish. You can then carry out the transfer to MyPeak Finance via this.
MyPeak Finance Review: How does the platform work?
After registering with MyPeak Finance, you can use the “Loan Requests” button to view existing projects and conduct your research. Investors manually select projects that are publicly presented with a few key facts.
The MyPeak Finance marketplace.
If you take a closer look at the projects, it quickly becomes apparent that they were inspired by the WLS platforms Asterra Estate, Devon, and Triple Dragon Funding. However, I don’t see this as a negative thing. Why reinvent the wheel when it already works on various platforms?
Once you have researched the project and made your decision, you can invest using the corresponding function on the right-hand side.
Here’s how to invest on MyPeak Finance.
Unlike WLS platforms, however, interest accrues daily but is only paid out once a month. The bonus, on the other hand, is paid out as soon as the project is fully financed. This is a pure cash bonus, so it is not reinvested directly into the project, but you can withdraw it at any time.
You can view an overview of your investments again via the “My loans” menu item.
The loans I have invested in.
On the transaction side, significantly less happens than with Bondora Go & Grow or Monefit SmartSaver, even though interest accumulates daily. This is due to the monthly rather than daily interest payments. You will also find two different interest rates. In my example, the US Market Expansion loan has an interest rate of 15.11% p.a., while my overview shows 16.31%. This is precisely due to the accumulation of interest and the difference between the nominal interest rate and the effective interest rate. To explain:
Nominal interest rate: This is the annual interest rate offered by the project – based on the amount originally invested. It is not adjusted for compound interest effects and is therefore the “simple” annual interest rate. This value is displayed in the project offer (15.11% p.a.).
Effective interest rate: The APY (Annual Percentage Yield) also takes compound interest into account. It therefore shows how much return you actually achieve through compound interest. It is higher than the nominal interest rate because your capital continues to “work” month after month through reinvestment (16.31%). Unlike with White Label Solutions platforms or Ventus Energy, you cannot disable compound interest here. However, you will receive it in your account on a monthly basis.
Is there an Auto Invest
Since there will only be a very small number of projects on the platform, there is no Auto Invest feature on MyPeak Finance. I also doubt that we will see this in the future.
Is there a secondary market?
There is no secondary market on MyPeak Finance. However, there are plans to implement an early exit within 2026. What this will look like is not yet known.
In which countries can you invest?
The target markets of the Amitour Group behind MyPeak Finance span two continents.
Europe:
- Germany
- Austria
- France
- Switzerland
- Italy
North America:
- Colorado
- Utah
We are therefore investing in markets that are completely untapped for most P2P investors.
One of the few P2P companies with operations in the US.
What projects can you invest in on MyPeak Finance?
At MyPeak Finance, we finance tangible assets and operating resources within the Amitours ecosystem. These include
- Transfer vehicles
- Resort accommodations
- Rental equipment
- Technology platforms
You can read about the exact purpose of your investment in the respective project profile, supported by detailed business plans and documentation on the assets. Another nice feature is that each project has a “one-pager” attached that explains the purpose of the loan in detail.
The one-pager and other documents clearly show what you are investing in.
What are the costs on MyPeak Finance?
Investing on MyPeak Finance is free at all levels.
What is the return on MyPeak Finance?
The returns you can earn on MyPeak Finance are very attractive. The base rate for all projects ranges between 14.22% and 15.11% at launch. However, the effective interest rate (APY) goes up to 16.31% due to daily interest accrual.
Depending on demand on the platform, we can assume that this will be adjusted downward after a while for new platforms. However, I do not anticipate any changes in this regard for the next few months.
When will the first interest payments on MyPeak Finance be made?
The projects on MyPeak Finance have a minimum funding volume that must be reached. However, your interest calculation is completely independent of this. As with Crowdpear, this runs in the background from the day you make your investment! Interest is credited once a month according to the payment plan, which you can view transparently after your investment. The first interest payment is always made one month after the end of the funding period.
The payment schedule for one of my loans.
What is the minimum investment amount on MyPeak Finance?
The minimum investment amount on MyPeak Finance is EUR 1.
Does MyPeak Finance offer a buyback guarantee?
MyPeak Finance does not offer a clearly defined buyback guarantee, but it does offer a group guarantee from Alps2Alps, the main company behind the scenes. As always, the security is only as good as the company providing it. It is therefore important to keep an eye on the companies finances. However, things are looking good at the moment.
Is there an app for MyPeak Finance?
No, MyPeak Finance does not currently offer an app for smartphones.
Can you invest money in other currencies?
No, on MyPeak Finance you invest exclusively in euros. There is also no currency risk within the projects.
How exactly do taxes work on MyPeak Finance?
The platform doesn’t deduct any taxes on your behalf. You are responsible for reporting your earnings to the tax authorities in your jurisdiction.
Is there a tax statement on MyPeak Finance?
Currently, there is no tax certificate available on MyPeak Finance. The platform is still in its early stages, and we currently have to rely on a simple transaction overview, which can be downloaded.
The account statement from MyPeak Finance.
Is investing with MyPeak Finance risky?
I can’t draw many conclusions from my experience with MyPeak Finance so far, as I have only recently become active on the platform. In addition, MyPeak Finance still has little track record as a lending platform, so much of what it offers is still speculation. The platform is being set up as an alternative financing channel, and much will depend on how it is received by investors and how it develops. As always, getting involved in such projects early on offers both risks and opportunities. However, we have the great advantage of being able to take a close look at the company behind it.
How does MyPeak Finance earn money?
MyPeak Finance itself is only the new financing arm of the Amitours Group behind it. The latter generates its revenue through two channels, combining a dual revenue structure:
- B2C (business-to-consumer) and
- B2B (business-to-business).
The majority, namely around 74% of sales, comes from end customer business. Here we are talking about the classic winter tourism-related business model that the entire financing is based on.
The remaining 26% of revenue comes from B2B partnerships. Amitours works with established tourism brands such as WeSki, Heidi, MyTUI, and Booking.com. These companies also arrange ski trips and transfers, using the Amitours Group’s infrastructure, among other things.
Business behind MyPeak Finance is booming!
Is MyPeak Finance profitable?
Since MyPeak Finance has only just launched, the company is logically not yet profitable. I don’t think investors should expect it to be anytime soon, as it is only a tool for the group of companies. We have reliable figures primarily from Alps2Alps, whose loans can also be found on the platform and which is also the guarantor for the repurchase. And such figures are indeed rarely seen in the P2P environment.
Alps2Alps, the company we are co-financing here, is highly profitable.
Alps2Alps recorded sales of EUR 13.8 million in 2024, resulting in a profit of around EUR 1.2 million. The company’s total assets amount to EUR 4.89 million, with equity capital of EUR 1.33 million. According to the 2024 annual report, approximately EUR 200,000 is available in liquid funds.
Alps2Alps is therefore highly profitable, growing rapidly, and has proven solid financing. The company has increased its revenue more than fifteenfold within a year. As the guarantor for MyPeak Finance loans, Alps2Alps offers a robust financial foundation combined with scaling potential. Only time will tell whether the forecast business figures for the coming years can be achieved. You can check the annual reports yourself here.
What happens if MyPeak Finance becomes insolvent?
If something happens to the platform, it will not affect your investments for the time being and these will continue to run. However, there is a larger parent company in the background that secures operations. If something goes wrong here, all your money is at risk as usual.
Otherwise, in the event of insolvency, an insolvency administrator will normally take over the settlement of the remaining projects and payments and distribute the funds accordingly, provided they are not consumed by the insolvency.
We know from past experience that insolvency proceedings are lengthy and opaque. The insolvency of MyPeak Finance is therefore a potential risk to your money!
How reputable is MyPeak Finance?
The parent company Amitours’ track record spanning almost 20 years and thousands of reviews from travellers on various portals speak for themselves, and no other newly launched P2P platform that I know of can offer anything like this.
You won’t find this kind of rating history on any other P2P platform.
The names on the website are also familiar. Founder Raitis Bullitis established Amitours in 2006 and is still at the top of the company. Raitis is well known in Latvia, married to the famous singer Marija Naumova, and also personally provided significant support for evacuation operations in Ukraine.
Shortly after the platform was launched, the P2P portal BeyondP2P published a critical report on the company structure and legal problems faced by the founder 20 years ago. It is written in a very dramatic style and paints a bleak picture. However, nothing has actually happened so far. One can only speculate about the author’s (who is not invested in P2P loans) motives for publishing such a negative article in such a short time. Nevertheless, every investor should have all the information and must evaluate it for themselves.
The CEO of the platform is Rihards Sakovics. The name may not mean much to you, but I have known Rihards for many years and he was one of my first contacts at the Monefit SmartSaver platform when it was brand new on the market and helped get the product to where it is today. I got to know him there as an extremely ambitious executive in the field of digital marketing and have also perceived him that way at MyPeak Finance from the very beginning. I am therefore excited to see what he will achieve in his fourth position as CEO.
The MyPeak Finance team.
How secure is MyPeak Finance?
The loans granted on MyPeak Finance are secured by an internal group guarantee. Specifically, Alps2Alps OÜ, one of the brands and operating subsidiaries of the Amitours Group, acts as guarantor for all loans on the platform. If the actual borrower fails to meet their payment obligations, Alps2Alps is legally bound to assume full repayment and is also usually involved in the loans itself through ‘skin in the game’ (the relevant rate can be found in the project descriptions).
This repayment obligation significantly strengthens security for investors. However, the guarantee is based on the economic fundamentals of the established tourism company.
Every project involves risks. The success of a project therefore depends heavily on seasonal demand and general economic conditions. Although MyPeak Finance finances established companies with assets as collateral, returns can of course never be guaranteed in the long term. Each project therefore includes extensive detailed documentation, and we as investors should only invest money that we can afford to lose.
Are there defaults on MyPeak Finance?
No, there have been no defaults on MyPeak Finance to date. I am also not aware of any problems with the other companies with which it has partnerships, nor have I found any.
Is there deposit protection on MyPeak Finance?
No, there is no deposit protection. Your funds on the platform and invested funds are exposed to a default risk.
Is MyPeak Finance crisis-proof?
Like many travel providers, the COVID-19 pandemic posed a major challenge for the Amitours Group. European tourism came to a virtual standstill. But instead of just playing it by ear, the team used the time strategically, like so many others who survived this period. The focus was consistently on technology and process optimization.
During this phase, modern booking and logistics systems were developed, and the efficiency of the vehicle fleet was significantly increased. These decisions made during the crisis paid off. In the three years following the pandemic, the company grew fivefold.
This development shows that it is possible to build on a business model that not only survives crises but also uses them as an impetus for innovation and scaling.
The history is impressive.
Advantages and disadvantages of MyPeak Finance
Before we come to a final conclusion about the platform, here is a summary of the pros and cons based on my experience with MyPeak Finance.
Disadvantages
- The platform is not regulated.
- There may be project delays or a market slump (dependence on tourism).
- Brand new platform.
Advantages
- Attractive interest rates above 16%.
- Daily interest accrual.
- Investments start from just 1 EUR.
- Loans are secured by a group guarantee.
- Little contact with the Baltic states.
- No withholding tax.
- 16-year-old company in the background.
Conclusion of my MyPeak Finance review
For me, MyPeak Finance is one of the most exciting new launches in 2026. Although this is also a new P2P platform, the company behind it is well over 10 years old and specializes in a single area: organizing winter vacations for people, with everything that goes with it. This is a completely new focus in the industry.
In addition, we are investing in countries where we have had little contact as P2P investors to date, both in Europe and, of course, in the United States of America. For me, the whole thing is rounded off by a successful track record and profits in the millions, which are rarely found in P2P companies.
The fact that the CEO there is someone I have been in contact with for many years and whose work I am familiar with is another absolute plus point for me personally. In almost all cases, I have been able to rely on my knowledge of human nature in the past. As you know, I often let myself be guided by this, as one of my great advantages as a blogger is that I have been connected to the whole gang for over 10 years. So I already know many of the faces more or less, or have worked with them in the past.
But as always, my decision does not have to be your decision. You are responsible for your own investments! My plan for 2026 is to have a P2P portfolio of EUR 750,000, and platform launches like this and a decent initial investment make it very easy for me to achieve this goal much faster than planned. We are currently experiencing a boom phase in the industry, and as an investor, I want to take advantage of that. However, I strongly doubt that this will continue in the long term. MyPeak Finance definitely has the potential to survive in the long term, though.
Is there a MyPeak Finance forum for discussions?
There is no official Telegram chat for the platform itself yet, but one is expected to be set up shortly.
Is there a MyPeak Finance bonus or a referral program at the beginning?
Yes, if you register via a link on this blog, you will receive a bonus of 1% of the capital invested in the first 60 days. The bonus is always credited at the end of the month.
I would be grateful if you would use my links as a token of appreciation for this free contribution. There are no disadvantages for you, only advantages.
What alternatives are there to MyPeak Finance?
There are, of course, P2P platforms that also offer business loans for their own projects, such as the WLS platforms Devon, Asterra Estate, and Triple Dragon Funding. However, there is no other platform that specializes in loans in the winter tourism sector like MyPeak Finance.
Then take a look at my P2P platform comparison now. There you will find more information and/or articles about the platforms where I invest.
About the author
Hi there! I’m Lars Wrobbel, and I’ve been writing on this blog about my experiences with investing in P2P loans since 2015. I also co-authored the German standard work on this topic with Kolja Barghoorn, which became a bestseller on multiple platforms and is regularly updated.
In addition to the blog, I host as well Germany’s largest P2P community, where you can exchange ideas with thousands of other investors when you need quick answers.
MyPeak Finance review 2026 – 16% return with tourism
Young P2P platform with unique investment opportunities. The whole thing is backed by a strong company in the background. This could have potential!
4.5