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

EstateGuru review

Collateral for one of EstateGuru's bridge loans

EstateGuru's overview focuses on real-estate loans. The projects are rather conservative, usually yielding around 10% for durations of one year or more. My opinion on EstateGuru While the interest rates offered by EstateGuru‘s projects are lower than at , or , this platform provides great investment opportunities for those who want a more conservative portfolio. … Read more

Real-estate and business crowdfunding platforms

An much reduced number of P2B platforms In early 2020, many platforms offering P2B (peer-to-business) loans proved to be scams : Kuetzal disappeared first in January, shortly followed by Envestio. The bad news weren’t over for investors as in April, Monethera announced its wind-down. Finally, Grupeer proved to be at least partly a scam, as … 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

Crowdestor review

Crowdestor's overview offers real-estate and business loans. Their interest rates are usually in the 14%-26% range, for durations varying from one to two years. My opinion on Crowdestor Since Summer 2020, many improvements were unveiled at . It started with the enhanced projects descriptions and borrower’s credit report, which are a huge step forward in … Read more

CrowdEstate review

CrowdEstate's overview is a leading platform for real-estate. Interest rates currently stand around 10% – 12% yearly, a level similar to . Most recent loans are secured by a 1st-rank mortgage, which makes them safer than loans offered earlier on the platform. My opinion on CrowdEstate Although I still appreciate the large supply of loans … Read more

BulkEstate review

BulkEstate's overview BulkEstate features only real-estate projects. Interest rates typically vary from 13% to 14.5% (recent projects were more speculative than early ones); interests are usually repaid in full at the end of the loan, at the same time as the principal. My opinion on BulkEstate I used to prefer over BulkEstate, thanks to the … 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