Make your money work for you
Moncera’s overview Moncera offers medium and long-term P2P loans, with interest rates from 10% to 12.5%. A buyback guarantee is provided by the loan originator. My opinion on Moncera I appreciate the opportunity to build a diversified portfolio by investing directly in loans from a reliable originator without using . As such, Moncera is a … Read more Moncera review
Website changes Again, I didn’t publish any portfolio report last month 🙁 However, I’ve updated several reviews to bring them up-to-date. Noteworthy news from the crowdlending world Two more platforms are likely to be added to the already long list of platforms gone rogue. Looking at the bright side, most likely scams are now confirmed, … Read more Crowd-lending portfolio review for July 2020
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 My favorite crowd-lending platforms – June 2020 update
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 Risk of scam
Lendermarket’s overview Lendermarket allows to invest in short-term individual loans yielding 14% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket Thanks to 14% interest rates, very reliable loan originators and a simple but effective website, Lendermarket’s offer is very appealing. Detailed ratings Actual performance My Lendermarket portfolio hasn’t reached its full potential … Read more Lendermarket review
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 The trouble with Mintos loan originators
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 Debitum Network review
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 Lessons from Kuetzal and Envestio
PeerBerry’s overview PeerBerry allows to invest in individual loans, with interest rates around 10%. 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 small percent … Read more PeerBerry review
Warning ! This platform is currently in my blacklist After both Kuetzal and Envestio proved to be scams, I became much more cautious and decided blacklist several platforms; is one of them. Initially, as this platform received much less bad press than or , I was giving it the benefit of the doubt. Unfortunately, a … Read more TFGcrowd review