Investment Track
B-MATCH

Our general track, offering you the widest diversification without locking your money for a fixed period.

Average annual
interest rate:

~8.3%

Tax for
individuals

15%

Management
fee

0.7%
No minimum
investment period
Diversification across
more than 3,000 loans

Investment Track
B-GOLD

Our secured track, where all loans are “gold loans” backed by collateral in the form of property or cash.
 

Average annual
interest rate

~8.2%

Tax for
individuals

15%

Management
fee

0.8%
Exit point
every 18 months
All loans in this track
include collateral

The “Iron Swords”
Track

A track that supports the renewed growth of the Israeli economy. Invest in business loans granted under the State-Guaranteed Fund of the Ministry of Finance.
 

Annual interest rate:
Prime – 0.25%

~5%

Tax for
individuals

15%

Management fee

no additional deductions other than tax
Exit point
every 12 months
All loans are part of
the State-Guaranteed Fund

Investment Track
Neo

Our Most Liquid Track – with Instant Transfers to Other Users
 

Annual interest rate:
Prime – 1.3%

~3.95%

Tax for
individuals

15%

Management fee

no additional deductions other than tax
No minimum
investment period
Instant money
transfers to other users

Comparison of Recommended Investment Tracks

Average annual interest rate
Types of loans in the portfolio
Management fees
Loan percentage linked
Withdrawal request
Key
features
B-MATCH
~8.3% Average annual interest rate
All types Types of loans in the portfolio
0.7%
Management fees
Over 60% Loan percentage linked
At any time Withdrawal request
Maximum diversification
across all loans
Key
features
B-GOLD
~8.2% Average annual interest rate
Gold loans only Types of loans in the portfolio
0.8% Management fees
Over 85% Loan percentage linked
Every 18 months Withdrawal request
All loans are
backed by collateral
Key
features
Iron Swords
Prime – 0.25% (~5%) Average annual interest rate
Government-guaranteed loans Types of loans in the portfolio
ללא הפחתות נוספות למעט מס Management fees
100% Loan percentage linked
Every 12 months Withdrawal request
All loans from the fund
are government-guaranteed
Key
features
NEO
Prime – 1.3% (~3.95%) Average annual interest rate
All types Types of loans in the portfolio
No deductions other than tax Management fees
100% Loan percentage linked
At any time Withdrawal request
Transfers to
other users
Key
features

Additional investment tracks

Fixed-rate
Loan Track

5%-4%
Average annual interest rate
Diversification for loans within this interest rate range only

In this track, funds cannot be withdrawn until the loan is fully repaid

Fixed Interest
Loan Track

6%-5%
Average annual interest rate
Diversification for loans within this interest rate range only

In this track, funds cannot be withdrawn until the loan term ends

Fixed-Rate
Loan Track

7%-6%
Average annual interest rate
Diversification for loans within this interest rate range only

In this track, funds cannot be withdrawn until the end of the loan term

Fixed-Rate
Loan Track

8%-7%
Average annual interest rate
Diversification for loans within this interest rate range only

In this track, funds cannot be withdrawn until the loan is fully repaid

We’re here for you
with any questions

*

B-MATCH Track: Management fees do not include additional management fees that may be charged on government-guaranteed loans, if included in the investor’s portfolio, at a rate equal to half of the interest above 4% (calculated monthly).

B-GOLD Track: At the end of 18 months, a withdrawal request window will open for 30 days, during which the client can request to withdraw or keep the funds for an additional 18 months.

B-STATE Track: Gross annual interest of Prime minus 0.25% (5% as of 28.5.26) in the “Iron Swords” track relative to the funds actually invested; management fees and contributions to the “Mutual Guarantee Fund” as detailed in the terms of use. At the end of 12 months, a withdrawal request window will open for 30 days, during which the client can request to withdraw or keep the funds for an additional 12 months.

NEO Track: Gross annual interest of Prime minus 1.3% (3.95% as of 28.5.26).

General Notes for All Tracks: Data is correct as of 28.5.26. The above is subject to the company’s terms, terms of use, and applicable law as updated from time to time. The above does not constitute a commitment to achieve any return. There is no commitment regarding a minimum number of loans in the portfolio. The above does not constitute investment advice or a substitute for investment advice and/or tax advice tailored to the client’s needs. Interest data does not indicate net returns. By leaving your details, you agree to receive promotional communications from BTB, but you may request to unsubscribe at any time. P2P activity in Israel is regulated under the Financial Services Supervision Law (Regulated Financial Services), 2016. Errors and omissions excepted.

Our loans are not available to every business, but only to those with a proven track record, at least one year of business activity, cash flow, and growth potential. Did you know that small and medium-sized businesses generate 54% of the GDP? This means that your investment, no matter the amount, joining thousands of other investors — helps advance the economy and business growth. We offer market-breaking loans to business owners who want and are able to grow — from ₪100,000 up to ₪1,000,000, for periods of 4–8 years. And of course, there are also longer loans for property owners — up to 40 years, secured by real estate or a cash deposit. So what do we have? BTB investors earn all the interest on the loans, and Israeli businesses and property owners receive the credit they need to achieve their goals. Simple, fair, smart.

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Who are we?

BTB is a pioneer of P2P lending in Israel. The platform began operating in 2014 after several years of intensive planning and development, once we were confident in the revolutionary product we built (you know, no half measures…). Since its founding, BTB has promoted legislation enabling the public in Israel to benefit from social lending — both as investors and as business owners seeking loans. By leveraging advanced financial technology, BTB has sparked a revolution, creating real competition in Israel’s credit market — allowing anyone to invest in Israeli businesses and earn interest. Now that we’ve introduced the platform, it’s time to meet the people behind it: the founders are Shlomi Turgeman (CEO) and Alon Katz (Deputy CEO), who also serve as directors. The company’s board includes Danny Krost (Chairman), Iris Shalegi, and Eli Kedush — all with extensive experience in banking, social entrepreneurship, and marketing, counted among Israel’s top experts. We work hard to make things easy for you. We love what we do — and we love success. We are technological, human, fast, and professional. We are the banking of the future. We are BTB.