Make your money work for you
Website changes I spent a lot of time working on the website’s backend. Indeed, it had gotten hopelessly outdated and very hard to maintain. Many reviews were updated and upgraded in order to support the new tool. I still have to rewrite five older reviews as well as some documentation, which shouldn’t take too long. … Read more
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's overview Moncera offers mostly medium and long-term P2P loans. Their interest rates commonly vary from 8% to 12%. 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 Moncera I appreciate the opportunity to build a diversified portfolio by investing … Read more
A challenging environment for crowdlending platforms The least we can say is that 2020 turns out to be a challenging year for crowdlending platforms. As several P2B (peer-to-business) platforms proved to be scams, investors started to seriously question the safety of their funds. The situation worsened with the covid-19 crisis : many people lost their … Read more
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's overview Lendermarket allows to invest in short-term consumer loans yielding around 14% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket Thanks to a great financial performance, seemingly reliable loan originators and a simple but effective website, I used to rate four stars. Unfortunately, the lack of a serious audit as well … Read more
What are loan originators ? A loan originator (often abbreviated as LO) is a company that lends money to borrowers, before putting to loan for sale through loan marketplaces such as , , , or . They commonly provide what’s called a buyback guarantee; this means that if the borrower defaults (usually by being more … Read more
Debitum Network’s overview offers to invest in business loans and invoice financing; the interest rates vary between 6% and 11%, with durations from a few days to two years. Most loans are secured by a buyback guarantee. My opinion on Debitum Network ‘s solid risk management will strongly appeal to conservative investors. I tend to … Read more
Trust-shattering events In late December 2019 and early January 2020, it turned out that was probably a scam. A few days later, ‘s website became unreachable, and the management team disappeared. These events were a shock for many P2P investors, including me. Indeed, call me naive if you want, but I expected the main risk … Read more
PeerBerry's overview PeerBerry allows to invest in individual loans, with interest rates around 10% – 11%. These loans are secured by a buyback guarantee. My opinion on PeerBerry Thanks to the large selection of reliable loan originators A loan originator is the firm that originally provides the loan to the borrower. They usually lend a … Read more