Make your money work for you
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
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 a large array of loans, from short-term consumer loans to real-estate or business loans. Interest rates tend to fluctuate frequently, but commonly range from 10% to 13%. These loans are secured by a buyback guarantee. My opinion on PeerBerry If it weren’t for the slightly lower returns than … Read more
Iuvo’s overview Iuvo is a marketplace for peer-to-peer loans. It focuses on investments safety, as the loan originators A loan originator is the firm that originally provides the loan to the borrower. They usually lend a small percent of the amount using their own funds, while the remaining is put on sale on loans marketplaces. … Read more
A special anniversary This week, my wife Thanh and I celebrated a very special anniversary. Indeed, one year ago, on October 24th 2017, we boarded a plane to Vietnam, leaving Paris behind for a long time. Our plans were to cycle through South-East Asia for an undefined length of time; we had both resigned from … Read more
EstateGuru's overview focuses on real-estate loans. The projects are rather conservative, usually yielding around 10% for durations of one year or more. My opinion on EstateGuru While the interest rates offered by EstateGuru‘s projects are lower than at or , this platform provides great investment opportunities for those who want a more conservative portfolio. It’s … Read more
A very quick overview of Bondora’s Go & Grow and Mintos Strategies Both Go & Grow and Strategies are designed to make investing easier. By itself, it’s a very laudable goal. I mean, which investor in his right mind enjoys configuring Mintos’ auto-invest ? There’s no denying that using a Mintos strategy is much, much … Read more
An much reduced number of P2B platforms In early 2020, many platforms offering P2B (peer-to-business) loans proved to be scams : Kuetzal disappeared first in January, shortly followed by Envestio. The bad news weren’t over for investors as in April, Monethera announced its wind-down. Finally, Grupeer proved to be at least partly a scam, as … Read more
The #1 risk when investing in loans A borrower who doesn’t reimburse the loans is obviously the greatest risk when investing in loans. Unfortunately, individual borrowers may be unable to reimburse their loans, real-estate projects may fail, and businesses may go bankrupt. Overall, all loans kinds are likely to default. In this article, we’ll examine … Read more
Crowdlending is a risky investment Like other investment forms, crowdlending come with associated risks. This post will introduce you with several classical investing mistakes that beginner and even advanced investors may make. Basically, it boils down to being patient, diversifying your portfolio, being on the lookout for red flags, and having realistic performance expectations – … Read more