Esketit review

Table of contents

Esketit's overview was launched by the founders of Latvian lending group Creamfinance. This platform lists mostly short-term consumer loans with annual interest interest rates between 10% and 14%. They’re secured by a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan is delayed … Read more

Crowd-lending portfolio review for July 2021

Website changes I’m very busy on a totally unrelated project, which basically takes all my time. Work on Alternative Investments has thus been rather limited ! However, I took the time to update several reviews, as well as write a review for . On the other hand, ‘s review isn’t written yet… I realize it’s … Read more

Afranga review

Table of contents

Afranga's loans list with zero loans available
Afranga's primary market is often empty
Afranga's loans list with zero loans available

Afranga's overview was founded by Bulgarian loan originator StikCredit. This peer-to-peer lending platform provides medium and long-term consumer loans which currently have a 12% annual interest rate – a figure similar to many competitors -. A buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of … 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

Moncera review

Table of contents

Moncera's overview Moncera offers mostly medium and long-term consumer loans. Their interest rates commonly vary from 7% to 9% – a level much lower than for most competitors -. A buyback guarantee is provided by the loan originator. In addition, real-estate loans were introduced on the platform in March 2021. My opinion on Moncera I … Read more

Lendermarket review

Table of contents

An excerpt of Lendermarket's loans list
An excerpt of Lendermarket's loans list
An excerpt of Lendermarket's loans list

Lendermarket's overview Lendermarket allows to invest in consumer loans yielding from 12% to 15% annually; they’re secured by a buyback guarantee. My opinion on Lendermarket As I’m updating this review in March 2022, granting a rating turns out to be kind of a headache. On one hand, most aspects of the platform are very positive, … Read more

PeerBerry review

Table of contents

PeerBerry's overview PeerBerry allows to invest in individual loans, with interest rates around 10% – 11%. 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 … 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

Robocash review

Table of contents

An excerpt of Robocash's loans list
An excerpt of Robocash's loans list
An excerpt of Robocash's loans list

Robocash's overview Through , investors can invest mostly in very short-term (one month) consumer loans or in longer-term commercial loans, yielding between 10% and 13% annually. All loans on the platform come with a buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator. If repayment of a loan … 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