Make your money work for you
Several P2P lending sites display the XIRR (extended internal rate of return) of your portfolio. However many of them don’t provide this information. Here I will show you how to easily compute it yourself using Google Sheets. It will allow you to easily compare returns between your different P2P lending portfolios. You could also use … Read more
CrowdEstate's overview is a leading platform for real-estate. Interest rates currently stand around 10% – 12% yearly, a level similar to . Most recent loans are secured by a 1st-rank mortgage, which makes them safer than loans offered earlier on the platform. My opinion on CrowdEstate Although I still appreciate the large supply of loans … Read more
BulkEstate's overview BulkEstate features only real-estate projects. Interest rates typically vary from 12% to 14% (recent projects were more speculative than early ones); interests are usually repaid in full at the end of the loan, at the same time as the principal. My opinion on BulkEstate I used to prefer over BulkEstate, thanks to the … Read more
Robocash's overview allows investors to invest in very short-term (one month) consumer loans or in longer-term commercial loans. Interest rates range from 8% to 13% annually depending on the loan’s duration. All loans on the platform come with a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. … Read more
Peer-to-peer loans : the most popular form of crowdlending When it comes to crowdlending, consumer loans are ubiquitous. Although other loans kinds became available in recent year, consumer loans are still the most common way to invest in loans – and are likely to remain so for a long time -. In 2019, marketplaces for … Read more
Swaper's overview Swaper allows to invest mostly in short-term (one month) individual loans. Loans used to yield 12% for a long time, but the interest rates were increased to 14% in March 2020. All loans are covered by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. … Read more
ViaInvest's overview focuses mostly on short-term, secured loans offering an uniform 12% interest rate. In addition, the platform also offers a very small number of real-estate or business loans with very specific characteristics. My opinion on ViaInvest It’s a pity that ‘s offer is relatively complex when it comes to business or real-estate loans. In … Read more
Mintos's overview is one of the largest peer-to-peer lending platforms. They offer a huge volume of loans of all kinds and durations. My opinion on Mintos is a very polarizing platform. Indeed, many investors lost money when several loan originators defaulted. At the same time, several other investors report that their Mintos portfolio provides the … Read more
Omaraha's overview offers mostly partially secured consumer loans. The highest interest rates currently available for these loans are slightly above 19%. Loans come with a partial 60% buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed by more than a given … Read more