Changes to the secondary market?

Note that you can only sell your Go & Grow loans if "investors" in G&G have enough funds to buy them. Also note that G&G caps your return to 6.75% annualized. If you have great portfolio, you will likely lose out by sending it to G&G. If you have a crappy one, then you can probably get a better deal than you normally would, unless they've changed that.

If I understood the terms correctly, then sending your funds to G&G essentially gives your investments to Bondora who then gives you claim on portion of G&G portfolio and caps the return (read: you give your investments away and in exchange get a right to get some of the cash flow from them back).

G&G in general is a very bad idea for investors. It's good for Bondora because Bondora can choose what to fund with that money, investors will practically never know what's going on in their portfolio even when like 80% of it is default, and Bondora gets to keep a significant additional profit in the G&G (which according to terms seems to belong to Bondora) if they pull off a miracle and their Rating actually becomes close to accurate for once.

The 6.75% return cap is below the lowest Expected Return for ANY single loan issued in Bondora this year. Which kind of shows how much trust they have in their Rating.