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
CrowdEstate
CrowdEstate is an excellent choice for investors wishing to invest in real-estate and business loans. The investment opportunities are plentiful and incredibly detailed, and their returns are great. It’s also a very user-friendly platform. My only regret is that the platform’s success makes the use of auto-invest nearly mandatory, and encourages speculation. But don’t let this negative aspect refrain you from trying out CrowdEstate !
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
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
NO buyback guarantee
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, as this platform is somehow victim of its success ! EstateGuru’s long list of successfull 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. Their secured loans yielding 14% interest rate or more are extremely interesting. 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 the recent 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
Crowdestor
In spite of its youth, Crowdestor already allows to invest in several very interesting projects. The expected returns are great, and the various sectors they belong to allow to diversify one’s portfolio. This platform looks like a nice complement to the more senior CrowdEstate and BulkEstate; it actually looks a lot like Envestio, but new projects come less frequently.
Loans characteristics
1 month to 1 year
Business
Real-estate
NO buyback guarantee
Platform features
NO secondary market
NO auto-invest
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 9% interest rate for a 6 months investment with zero headache is worth considering. Shorter durations are less interesting though.
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 seems like a very promising platform. It’s easy to use and offers interest rates far above the competition.
In spite of the controversy that surrounded the company, I decided to trust them and start investing through the platform. But just as with all platforms I test, I started by investing a small amount, which I plan to increase if everything goes well.
Loans characteristics
1 month to 1 year
Individual
Buyback guarantee available
Platform features
Early exit available
Auto-invest available
Kuetzal
For investors who can accept to take some risks by investing in loans that aren’t guaranteed, Kuetzal is a great complement to Envestio, CrowdEstate and Crowdestor.
Loans characteristics
More than 1 year
Business
Real-estate
NO buyback guarantee
Platform features
Early exit available 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
Loans characteristics
Less than 1 month
1 month to 1 year
Individual
Buyback guarantee available
Platform features
Secondary market available for long-term loans
Auto-invest available
Swaper
Loan availability has for a long time been Swaper’s main flaw. The situation has improved, making this platform worthwhile for those who want to invest in short-term loans. Moreover, as Robocash lowered their interest rate to the same level as Swaper, the latter became a better choice thanks to the much better ergonomics of their website. Moreover, investors willing to invest €5000 or more through the platform will be rewarded with an excellent 14% interest rate !
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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