P2P lending and real-estate crowdfunding platforms comparison
Alternative investments features detailed reviews for many P2P lendind and real-estate crowdfunding platforms. However, reading them all in a row may look like a daunting task !
In order to guide you in your choice, I’ve listed my choice platforms for each investor’s profile.
Loans covered by a buyback guarantee[?] are the safest way to invest in loans. While this guarantee isn’t absolute, having a diversified loans portfolio will help reduce the risk of an originator going bankrupt.
Note that apart most of the following platforms only deal with individual loans. The only exceptions are Grupeer, which features secured development deals, and Mintos which also offers business loans with small amounts.
Short-term loans (one month or less)
Robo.cash is my favorite P2P lending platform for short-term loans. They offer a 14% interest rate. In spite of the slightly confusing interface and approximate translation, I consider it the best choice for short-term investors.
Medium-term loans (one year or less)
Long-term loans (more than one year)
Investing in loans that don’t come with a buyback guarantee allows you to expect higher returns. It can also enhance your portfolio’s diversification, by investing it partially in business loans or real-estate projects.
Crowdestor is a recent business crowdfunding platform. It allows to invest in real-estate projects, as well as in more speculative business loans. Some projects offer truly impressive interest rates, but their risk shouldn’t be under-estimated !