Crowd-lending portfolio review for June 2022

Website changes I published my previous portfolio review in November 2021… so much for a monthly review ! I’m currently trying to update reviews, as several of them are hopelessly out-of-date. Among them, I will probably rewrite review from scratch as a lot has changed for this platform thanks to the regulation. Noteworthy news from … Read more

Favorite platforms – July 2022 update

2022: New year, new risks After the Covid in 2020, the war in Ukraine as well as the worldwide inflation are guaranteed to give investors headaches. On a positive side, a few months after Russia invaded Ukraine, the direct impact on our peer-to-peer and real-estate loans has been more limited than expected. Although and are … Read more

Esketit review July 2022 – Great risk/reward & large loans supply

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A screenshot of Esketit's primary market loans
Available loans at Esketit
A screenshot of Esketit's primary market loans

Esketit's overview was launched by the founders of Latvian lending group Creamfinance. This platform lists mostly short-term consumer loans with annual interest rates between 12% and 14%. They’re secured by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed by … Read more

ReInvest24 review July 2022 – Great track record & high transparency

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Picture of the Kadrioru Plaza building, with cars parked in front.
One of ReInvest24's rental projects is located inside this Kadrioru Plaza building
Picture of the Kadrioru Plaza building, with cars parked in front.

ReInvest24's overview Like or , ReInvest24 allows to invest in real-estate backed loans. What sets this platform apart is that they also list their own development or rental projects. Most investments on the platform are medium or long-term (6 months to one year), and the expected returns stand around 14% annually. My opinion on ReInvest24 … Read more

Afranga review July 2022 – Great interest rates and reliability, insufficient loans supply

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Afranga's loans list with zero loans available
Afranga's primary market is often empty
Afranga's loans list with zero loans available

Afranga's overview was founded by Bulgarian loan originator StikCredit. This peer-to-peer lending platform provides medium and long-term consumer loans which currently yield either 12% or 14% annually – a figure roughly similar to many competitors -. A buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment … Read more

Investing in loans : the complete guide

Investing in loans isn't as easy as it seems At first glance, investing in loans seems easy and safe. They indeed look like an investor’s dream made true, promising a low risk combined to high returns. Imagine… you invest € 1,000 for a year in a loan with 12% interest rate; after one year you … Read more

Moncera review July 2022 – Excellent reliability, low interest rates

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Summary of Moncera's available loans
Moncera's loans list
Summary of Moncera's available loans

Moncera's overview Moncera offers mostly medium and long-term consumer loans. As of July 2022, interest rates commonly vary from 6% to 11% – a level lower than for most competitors -. A buyback guarantee is provided by the loan originator. In addition, real-estate loans were introduced on the platform in March 2021. My opinion on … Read more

Risk of scam

Risk of scam when investing in loans In my article regarding borrower’s default, I stated that borrower’s default was the main risk when investing in loans. After many platforms turned out to be scams in early 2020, I’m unfortunately starting to reconsider this statement. Kuetzal and Envestio indeed turned out to be scams in January, … Read more

Lendermarket review July 2022 – Great returns, poor transparency and questionable reliability

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Typical loans listing at Lendermarket, showing 10 lines of short-term loans form Polant yielding 15% annually
Small sample of Lendermarket's available loans
Typical loans listing at Lendermarket, showing 10 lines of short-term loans form Polant yielding 15% annually

Lendermarket's overview Lendermarket allows to invest in consumer loans yielding from 12% to 15% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket In a rather striking way, is the exact opposite of . While the latter belongs to Placet Group – one of the most reliable lending groups -, the former lists … Read more