Crowd-lending portfolio review for December 2020

Website changes Happy new year ! 2020 has been a challenging year for all of us, both in terms of investments and personal / professional life. In the long run, the vaccine against Covid-19 offers a great hope to return to a normal life; however, the first semester will still be challenging.I plan to work … Read more

Moncera review

Moncera’s overview Moncera offers medium and long-term P2P loans; their interest rates vary from 8% to 12.5%. A buyback guarantee is provided by the loan originator. My opinion on Moncera I appreciate the opportunity to build a diversified portfolio by investing directly in loans from a reliable originator without using . As such, Moncera is … Read more

Lendermarket review

Lendermarket’s overview allows to invest in short-term individual loans yielding at least 14% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket Thanks to a great financial performance, seemingly reliable loan originators and a simple but effective website, I used to rate four stars. Unfortunately, the lack of a serious audit as well … Read more

PeerBerry review

PeerBerry's loans list

PeerBerry’s overview PeerBerry allows to invest in individual loans, with interest rates around 10%. These loans are secured by a buyback guarantee. My opinion on PeerBerry Thanks to the large selection of reliable loan originators A loan originator is the firm that originally provides the loan to the borrower. They usually lend a small percent … Read more

Viventor review

A sample of Viventor's loans

Viventor’s overview is a P2P marketplace offering loans with interest rates up to 16%, for durations between one month and five years. Most of them are secured by a buyback guarantee. My opinion on Viventor I was initially thrilled by Viventor’s high interest rates as well as by the website’s great ergonomics. Unfortunately, after more … Read more

Bondster review

An excerpt of Bondster's loans list

Bondster’s overview is a P2P marketplace; the individual Euro loans currently offer an annual interest rate up to 13.5%, for a duration between one month and one year. In addition to these, the platform also features a few real-estate and business loans, but they’re less interesting. My opinion on Bondster While ‘s interest rates are … 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 P2P loans or through real-estate or business crowdfunding. In this article, we’ll examine the possible outcomes, based on real-life situations. Loans covered by a buyback guarantee Most P2P lending platforms offer loans covered … Read more

Robocash review

Robocash’s overview Through , investors can invest mostly in very short-term (one month) personal loans or in longer-term commercial loans, yielding 12% annually. All loans on the platform come with a buyback guarantee which triggers after one month. My opinion on Robocash At first glance, ‘s offer seems less appealing than most competitors. Indeed, in … Read more

P2P lending platforms comparison

Peer-to-peer marketplaces in a nutshell While 2018 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

Swaper review

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. For very large portfolios (€ 5,000 or more), the interest rate is increased to a … Read more