Crowd-lending portfolio review for April 2021

Website changes I spent a lot of time working on the website’s backend. Indeed, it had gotten hopelessly outdated and very hard to maintain. Many reviews were updated and upgraded in order to support the new tool. I still have to rewrite five older reviews as well as some documentation, which shouldn’t take too long. … 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

Why I use neither Bondora’s Go & Grow nor Mintos Strategies

A very quick overview of Bondora’s Go & Grow and Mintos Strategies Both Go & Grow and Strategies are designed to make investing easier. There’s no need to spend time picking up loans manually or to configure the auto-invest feature. Indeed, all that’s required is the amount to invest in the portfolio. This simplicity makes … Read more

Default risk : what if the borrower doesn’t pay ?

The #1 risk when investing in loans A borrower who doesn’t reimburse the loans is obviously the greatest risk when investing in loans. Unfortunately, individual borrowers may be unable to reimburse their loans, real-estate projects may fail, and businesses may go bankrupt. Overall, all loans kinds are likely to default. In this article, we’ll examine … Read more

P2P lending platforms comparison

Peer-to-peer marketplaces in a nutshell While 2019 saw marketplaces for real-estate and business loans gain a lot of traction, P2P loans are still the most obvious way to invest in loans. Moreover, as in early 2020 several P2B (peer-to-business) platforms proved to be scams, I expect that many investors will return to less risky, more … Read more

Mintos review

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 got a lot of bad press throughout 2020, and many investors plan to leave the platform after losing money when several loan originators defaulted. At the same time, several … Read more