With EstateGuru's long track record, professionalism, low LTVs, and decent terms for borrowers it is one of the best marketplaces for real estate loans. You can start investing in one loan with just 50 Euro.
If you sign up through a referral link and make your first successful investment in October, you earn an instant bonus of 1%!
Not revealing loan originators, unclear company finances, generous guarantees, very high returns, and hiding behind virtual offices raise too many warning flags. These are just some reasons why we decided to stop all investments with Fast Invest.
Fast Invest’s commitment to truthful and transparent information couldn’t be more deceptive and incorrect. In fact, they won’t reveal much about anything.
When something seems too good to be true and warning flags are raised, we think you are smart if you choose to stay at a healthy distance.
We continue to invest on the EstateGuru P2P platform. It still offers a very good flow of property-backed loans and generous returns.
We are also happy with our PeerBerry investments. A new review is found here: PeerBerry Review 2019
You can also find a steady flow of new short-term loans with returns around 11% on the Viainvest platform.
This month's newcomer on our watchlist is Wisefund. The platform looks like an interesting alternative to Envestio where projects are quickly funded today and it's sometimes hard to get a piece of the cake, even when you use their auto-invest tool.
We continue to cut back slightly on our investments with Mintos.
The Iuvo-Group P2P platform is one of the many European platforms available to investors who wants to enter the P2P lending market. Founded in 2016, it is also one of the newest platforms.
See what we like about the platform - and what we don't like.
Envestio offers loans in the high-tech, energy, and real estate sectors. The idea is to provide funding to companies which are looking for capital to expand their current business and offer high returns to investors.
Since December 2018, typical return rates are down from 21% to more healthy (?) 16 - 18%. Most loans still run for 12 months or less.
On July 26, Envestio finally introduced an autoinvest tool with a 100 Euro minimum. The tool is valuable since most loans are funded very quickly.
The P2P Lending Market Flourishes - But Will it Last?
The sharing economy flourishes. The P2P lending market, where individuals finance another individual’s loan, has become an alternative to traditional banking and its expensive and hidden fees. This is especially true in Eastern Europe.
New to P2P Investments? This is what you should know about the Mintos P2P Investment Platform
1. The complexity of Mintos platform makes it less ideal for your first investments in P2P loans.
2. As you become more familiar with P2P lending in general, Mintos can prove to offer much more than other platforms. You just have to do a bit more homework – and do it well.
Fast Invest is a simple P2P Platform for anyone who wants to start P2P investing.
The Platform is very easy to use and not as overwhelming as Mintos can be. With investments starting as low as 1 Euro and a default guarantee that kicks in after only 3 days, it's an easy pick for beginners in the P2P market.
There are, however, several things you must be aware of!
Our first impression of Viventor is not all together positive.
Viventor is heavily weighted towards consumer loans in Lithuania, but loan supply does not meet demand, which has created a large secondary market where loans come with an extra cost (premium)
Fast Invest's secrecy about loan originators, its hush-hush about its financial status, and unclear presence in U.K. now also raise concerns by Vivainvest.
Strangely enough, Fast Invest don't seem to understand that customers can disappear quickly if there is no transparency and if they don't get the information they need.
UK P2P lending outperforms more than 90% of funds invested in bond and direct property over the past three years, according to exclusive research from AltFi.
Conscious spending isn't about sacrifice and deprivation - it's about spending your money smarter, so that you can save more. Conscious spending means you decide what your money is worth and what you're going to spend them on. It helps you feel comfortable with your spending - and not guilty.
P2P platforms are one of the fastest growing segments in financial services today. The simplicity and efficiency of Internet platforms attracts 1,000s of new customers each month.
If you read this, you are probably interested in becoming P2P investor/lender yourself. This website is dedicated to tell you about new trends, new platforms, and what to expect from any P2P investments.
Obviously, the first thing you should know about P2P investments is that they come with a risk. Does predicted returns outweigh the risks? In each case, that is something you must decide for yourself.
The purpose of this site is NOT to give financial advice or recommendations. We just try to point you to available options.
The more facts you have, the easier it is to make wise decisions about P2P investments.
The Problem with Traditional Banks
For decades, banks have been middlemen, taking deposits and making loans. But you have probably noticed that bigger banks don't do much banking these days. They aren't interested in your deposits, at least not if you don't do any other bank businesses. In fact, many banks claim they lose money on your deposits. This makes it hard for banks to give you a decent return on your savings.
Banks don’t do much profit by collecting interest on small business loans either. When making less and less profits from lending, the lending market moves from the large banks to private equity firms and other asset managers. This is why the P2P lending market has exploded in the last decade.
By giving investors a large share of the return from smaller consumer and business loans, cutting or eliminating the investor fees, and simplifying the process of investing small sums in many different loans through internet platforms this market is rapidly attracting new investors.
This is, of course, not without problems.
P2P lenders charge more for their services, basically profiting from consumers and businesses that cannot secure loans from regular banks. Higher costs for customers increase the risk of bad debts.
Lack of oversight of the P2P lending market leaves society in the dark over overall debt and what risks exist. There is also the potential for outright fraud.
While banks are uniquely equipped to do banking and are well regulated, there don’t seem to be away back to the “old” system. Whether we like it or not, P2P lending is here to stay.
