Filtering the data
After determining your investor’s profile, you can easily find which platforms match your preferences for the following criteria :
- Loans kind
- Investment duration
- Buyback[?] feature
- Auto-invest[?] availability
- Presence of a secondary market[?] or other early exit mechanism
Loans characteristics
Platform features
Bondster
Bondster offers great interest rates through a website that’s both well designed and very pleasant-looking. I really enjoyed investing on this platform and plan to grow this portfolio in the next months.
Loans characteristics
Less than 1 month
1 month to 1 year
Individual
Business
Real-estate
Buyback guarantee available
Platform features
Early exit available on selected loans
Auto-invest available
CrowdEstate
While in the first half of 2018 CrowdEstate was somehow victim of their success, the situation has improved a lot. Indeed, the loans supply and demand are now much more balanced, which means it’s not necessary anymore to use auto-invest; this gives investors more time to ponder their decisions. While the real-estate loans became less speculative, they still offer excellent investment opportunities. In addition, the excellent ergonomics of the platform and the great level of details provided for investments make it a great choice for user who want to transition to non-guaranteed loans.
Loans characteristics
1 month to 1 year
More than 1 year
Business
Real-estate
NO buyback guarantee
Platform features
Secondary market available
Auto-invest available
Crowdestor
In spite of its youth, Crowdestor features a very large array of projects, and many more are added regularly. The expected returns are great, and the various sectors they belong to allow to diversify one’s portfolio. In addition, the availability of a buyback fund helps to reduce the risk. This platform is an excellent complement to the more senior CrowdEstate and BulkEstate; it’s very comparable to its competitors Envestio and Kuetzal in many aspects.
Loans characteristics
1 month to 1 year
More than 1 year
Business
Real-estate
Buyback guarantee available
Platform features
NO secondary market
NO auto-invest
Ekassa
Ekassa is an excellent way to begin investing in peer-to-peer loans. Their offer is even simpler than DoFinance‘s, and in most cases it’s also more profitable. Investors who don’t want to bother configuring auto-invest will appreciate the extreme simplicity of both Guaranteed and Profitable strategies !
Loans characteristics
Less than 1 month
1 month to 1 year
Individual
Buyback guarantee available
Platform features
Early exit available
Auto-invest available
Envestio
I’m really impressed by Envestio. For a recent platform, the number of projects they feature is very large and grows quickly; the funded amounts are also very important. The interest rates are great; moreover, the new projects are 90% secured. As I’m planning to increase the risk of my portfolio by moving some funds from P2P loans to real-estate and business loans, Envestio will be my first choice to invest !
Loans characteristics
1 month to 1 year
Business
Real-estate
Buyback guarantee available
Platform features
Early exit available
NO auto-invest
EstateGuru
While the interest rates offered by EstateGuru‘s projects are lower than at Envestio or BulkEstate, they provide great investment opportunities for those who want a more conservative portfolio. It’s also an excellent complement to CrowdEstate‘s real-estate loans.
EstateGuru’s long list of successful investments (as well as the way they managed their only defaulted project) help build confidence in this platform. It took me a long time to invest there, as I initially targeted more speculative loans. However, I’m planning to grow this portfolio regularly, in order to have a more balanced loans portfolio overall.
Loans characteristics
More than 1 year
Real-estate
NO buyback guarantee
Platform features
NO secondary market
Auto-invest available
Grupeer
Grupeer keeps getting better and better ! It is my favorite P2P lending platform for secured loans. While the interest rates have decreased in late 2018, their secured loans yielding 14% interest are still very interesting; in addition, the improved loans supply means that cash drags are now unlikely. Overall, this platform allows to have excellent returns while spending very little time managing your loans portfolio.
Loans characteristics
1 month to 1 year
Business
Real-estate
Buyback guarantee available
Platform features
NO secondary market
Auto-invest available
Mintos
In spite of last year’s interest rates drop, Mintos is still an excellent choice for P2P loans. The huge loans volume ensures that you’ll always find loans matching your investment preferences !
Loans characteristics
1 month to 1 year
More than 1 year
Individual
Business
Real-estate
Buyback guarantee available
Platform features
Secondary market available
Auto-invest available
BulkEstate
BulkEstate is a nice complement to real-estate crowdfunding leader CrowdEstate. The featured projects offer a good risk/reward ratio for investors who don’t want to invest in the more speculative real-estate projects offered by other competitors such as Envestio.
Loans characteristics
More than 1 year
Real-estate
NO buyback guarantee
Platform features
NO secondary market
Auto-invest available
DoFinance
I must admit that DoFinance‘s simplicity is very appealing. Anyone who had to face Omaraha’s interface will probably fall in love with DoFinance ! Although the offered interest rate may seem to be low, a 11% interest rate for a 6 months investment with zero headache is worth considering. Shorter durations are less interesting though. It’s a pity that their offer has become so confusing, with so many strategies to choose from !
Loans characteristics
Less than 1 month
1 month to 1 year
More than 1 year
Individual
Buyback guarantee available
Platform features
Secondary market available
Auto-invest available
Fast Invest
Fast Invest‘s website is extremely easy to use and offers interest rates above the competition, in addition to incredible buyback guarantee terms. While I was very cautious about Fast Invest at first, I enjoy this platform more and more as it continually improves. Indeed, I’m especially impressed by the last upgrade to their website, which is straightforward to use and provides a lot of documentation.
Loans characteristics
1 month to 1 year
Individual
Buyback guarantee available
Platform features
Early exit available
Auto-invest available
FinBee
While FinBee doesn’t offer a buyback guarantee, this platform is a great complement to Mintos, as is Iuvo. However, Fast Invest and Bondster remain my top choices in this regard, as the returns for these platforms are more predictable.
Loans characteristics
1 month to 1 year
More than 1 year
Business
Individual
NO buyback guarantee
Platform features
Secondary market available
Auto-invest available
Flender
Flender is a great way to finance businesses in Ireland. The returns are competitive and in spite of minor usability troubles, the website is easy to use.
Loans characteristics
1 month to 1 year
More than 1 year
Business
NO buyback guarantee
Platform features
NO secondary market
Auto-invest available
Kuetzal
For investors who can accept to take some risks by investing in speculative loans, Kuetzal is a great complement to Envestio, CrowdEstate and Crowdestor.
Loans characteristics
More than 1 year
Business
Real-estate
Buyback guarantee available
Platform features
NO early exit for selected loans
NO auto-invest
Omaraha
I used to really love Omaraha and have invested up to 60% of my P2P assets there. For a long time, it was totally worth investing some time (and of course money) there, in spite of the terrible interface. But now that the interest rates and loans volume have decreased, it’s harder to recommend it as much as I used to; I’ve also reduced my portfolio’s size. In spite of this, for investors who want to focus solely on individual loans, Omaraha still offers the best returns; those who want to diversify their portfolio should have a look at Grupeer, CrowdEstate or Envestio.
Loans characteristics
Less than 1 month
1 month to 1 year
More than 1 year
Individual
Buyback guarantee available
Platform features
NO secondary market
Auto-invest available
Iuvo
In spite of the restricted buyback guarantee, current returns for my Iuvo portfolio are good. However, I prefer to wait a bit before recommending it a stronger way.
Loans characteristics
Less than 1 month
1 month to 1 year
More than 1 year
Individual
Business
Buyback guarantee available
Platform features
Secondary market available
Auto-invest available
Robocash
Although Swaper‘s ergonomics is better, Robocash doesn’t suffer from the cash drags that sometimes plague Swaper; it may thus appeal to very short-term investors. When investing for longer durations, Robocash isn’t competitive anymore; both Bondster and Fast Invest offer higher interest rates and are much more user-friendly.
Loans characteristics
Less than 1 month
1 month to 1 year
Individual
Buyback guarantee available
Platform features
NO secondary market for long-term loans
Auto-invest available
Swaper
As Swaper‘s website is easier to use than Robocash‘s, it may be a good choice for investor who want to invest in very short-term loans (1 month). However, this platform still sporadically suffers from cash drags which may lower returns. For investments longer than one month, better alternatives exist; Bondster and Fast Invest will both yield better returns with the same ease of use.
Loans characteristics
Less than 1 month
1 month to 1 year
Individual
Buyback guarantee available
Platform features
Secondary market available
Auto-invest available
Bondora
Too much marketing, not enough returns : Bondora totally fails to deliver the expected results. It’s hard to be confident in long-term results when a portfolio’s returns decrease month after month ! If only Bondora spent as much time improving the returns as they spend working on their marketing, all their investors would be rich. But for now, all we have is promises of great expected returns. I’d advise investors not to listen to their marketing tricks, and to invest through a company that actually focuses on investors.
Loans characteristics
1 month to 1 year
Individual
NO buyback guarantee
Platform features
Secondary market available
Auto-invest available
Investly
Overall, Investly‘s offered interest rates are way too low to be worth investing. The only positive aspect is the large loans volume, allowing a certain diversification.
Loans characteristics
Less than 1 month
1 month to 1 year
Business
NO buyback guarantee
Platform features
NO secondary market
Auto-invest available
ViaInvest
Loans characteristics
Less than 1 month
Individual
Buyback guarantee available
Platform features
Secondary market available
Auto-invest available
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