Crowd-lending portfolio review for February 2021

Website changes I’ve managed to update the reviews for several platforms such as , or in order to reflect recent changes. Other still greatly lag behind – most notably, -.In order to reduce the workload, I’ve decided to start dropping reviews I don’t feel like updating, such as ‘s, ‘s and ‘s. These are smaller … Read more

Crowd-lending portfolio review for December 2020

Website changes Happy new year ! 2020 has been a challenging year for all of us, both in terms of investments and personal / professional life. In the long run, the vaccine against Covid-19 offers a great hope to return to a normal life; however, the first semester will still be challenging.I plan to work … Read more

Moncera review

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

My favorite crowd-lending platforms – June 2020 update

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

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

Lendermarket's loans list

Lendermarket's overview Lendermarket allows to invest in short-term individual loans yielding at least 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 … Read more

Debitum Network review

Part of Debitum Network's loans list

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

PeerBerry review

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