Favorite crowdlending platforms – April 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. The good news is that after the war broke out in Ukraine, the downtrend in interest rates reversed course. Changes overview Here’s a quick overview of the three platforms … Read more

Favorite platforms – August 2021 update

2020, the year where everything changed for P2P investors As the P2P landscape has changed a lot in 2020 and early 2021, it’s more than time for me to update my list of favorite crowdlending platforms ! Indeed, in roughly one year, many things happened : Covid-19 has shaken the world economy. No country was … Read more

Esketit review

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Esketit's overview was launched by the founders of Latvian lending group Creamfinance. This platform lists mostly short-term consumer loans with annual interest interest rates between 10% 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 … Read more

Crowd-lending portfolio review for October 2021

Website changes I once again didn’t have much time to work on the website. I plan to update most reviews this month, as well as finally remove the ones which are too outdated and see little interest from my readership. I also expect to finally review and . Noteworthy news from the crowdlending world Most … Read more

ReInvest24 review

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One of ReInvest24's rental projects is located inside this Kadrioru Plaza building

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

Crowd-lending portfolio review for July 2021

Website changes I’m very busy on a totally unrelated project, which basically takes all my time. Work on Alternative Investments has thus been rather limited ! However, I took the time to update several reviews, as well as write a review for . On the other hand, ‘s review isn’t written yet… I realize it’s … Read more

Afranga review

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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 have a 12% annual interest rate – a figure similar to many competitors -. A buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of … 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

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Moncera's overview Moncera offers mostly medium and long-term consumer loans. Their interest rates commonly vary from 7% to 9% – a level much 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 Moncera I … 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