Tag Archives: investing

Peerberry p2p lending marketplace key figures for september 2018

PeerBerry logo

Today PeerBerry published the key figures and news for September 2018:

Investments by month (EUR):

PeerBerry Investments September 2018

PeerBerry Investments September 2018

The September investments through the platform brings a 13.3% increase over the previous month (from 4.58 million to nearly 5.2 million).

Funded loans:

After less then 11 months since the launch, PeerBerry have reached 30 million euros loans financed through the platform.

New loan originator:

Today PeerBerry announced the launch on the platform of the fifth loan originator: CreditPlus from Ukraine. CreditPlus was launched in June, 2017. The company is a member of Ukrainian Association of Financial Companies. CreditPlus has reached the great business results and is one of the TOP10 online lending companies in Ukraine.

Loans on the marketplace will be listed with 11.5% annual interest rate.

New language:

Great news for investors from Germany, the website is translated in their native language.

My-Passive-Income.eu impressions for September on PeerBerry platform

Even though sometimes there is a lack of investment opportunities, the money was rarely invested by Autoinvest in more than 24 hours. Adding a new loan originator is likely to compensate for this temporary shortage and the money on the investment accounts will be invested much faster.

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New Envestio project – Renewal of freight containers – Tier 4

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the new Investment Project Owner “SRR” JSC with project “Renewal of freight containers – Tier 4″, Envestio expands the variety of industries available to invest in. “SRR” JSC has a long and successful experience of conducting logistics operations.

The loan is fully secured by mixed commercial pledge and personal guarantee of the main beneficiaries of “SRR” JSC.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in logistics industry, financing of technical inspection and repair/renewal works for freight containers.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The JSC SRR was established in Riga, Latvia in the year 2007. JSC SRR is a member of FIATA, LAFF, LTBA, CCTP, holds ISO 9001:2008 certificate, and employs 64 people.

Company’s key assets include 950 x 20’ and 450 х 40’ containers as well as 825 railroad platforms.

The main fields of company’s activity are:

  • Multimodal transportation and integrated railway solutions for metallurgical companies and industrial manufacturers
  • Handling of container trains
  • Optimizing use of rolling stock and providing own containers
  • Warehousing of various types of cargo
  • Regular feeder container line Rotterdam-Riga-Ust-Luga-St. Petersburg-Rotterdam

The company is looking to conduct a round of technical inspection and repair/renewal works for all its containers, used for freight operations. The total cost of the project is estimated to be EUR 650,000. Envestio participants will have a chance to finance this project in several tranches of moderate size, according to the number of containers submitted for inspection and further proceedings in a single batch.

Market

Consolidated figures show that during the year 2017 the global market for transportation of goods using freight containers increased by more than 6% in relation to 2016. Last time so high market growth rates were observed more than 6 years ago – in the year 2011. Overall demand for China-Europe-America freight routes in 2017 increased rapidly due to China’s GDP 6,9% growth that was almost 0,5% higher than anticipated growth of 6,5%. At the same time, also the freight rates in 2017 swiftly recovered from downfall, experienced in 2016.

Further development of the global market is largely dependent on the extent at which current expansion plans of the biggest container lines are realized as well as on the development dynamics of the international trade. Bearing in mind increasing ambiguity on the global markets, caused by geopolitical shifts combined with high growth rates the key factor for success is the ability to manage both own and freighted assets in the most efficient and flexible way.

From the regional perspective the biggest increase in volumes was achieved in the North America (+12,6%), followed by Latin America (+11,1%), China (+10,3%), and Europe (+4,4%).

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 15.11.2018 – EUR 17.84
  • 15.12.2018 – EUR 17.26
  • 15.01.2019 – EUR 17.84
  • 15.02.2019 – EUR 17.84
  • 15.03.2019 – EUR 16.11
  • 15.04.2019 – EUR 17.84
  • 15.05.2019 – EUR 17.26
  • 15.06.2019 – EUR 1017.84

Total expected return: EUR 1 139.83

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New Envestio project – Renewal of freight containers – Tier 3

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the new Investment Project Owner “SRR” JSC with project “Renewal of freight containers – Tier 3″, Envestio expands the variety of industries available to invest in. “SRR” JSC has a long and successful experience of conducting logistics operations.

The loan is fully secured by mixed commercial pledge and personal guarantee of the main beneficiaries of “SRR” JSC.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

Investment opportunity

  • High-yielding investment in logistics industry, financing of technical inspection and repair/renewal works for freight containers.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The JSC SRR was established in Riga, Latvia in the year 2007. JSC SRR is a member of FIATA, LAFF, LTBA, CCTP, holds ISO 9001:2008 certificate, and employs 64 people.

Company’s key assets include 950 x 20’ and 450 х 40’ containers as well as 825 railroad platforms.

The main fields of company’s activity are:

  • Multimodal transportation and integrated railway solutions for metallurgical companies and industrial manufacturers
  • Handling of container trains
  • Optimizing use of rolling stock and providing own containers
  • Warehousing of various types of cargo
  • Regular feeder container line Rotterdam-Riga-Ust-Luga-St. Petersburg-Rotterdam

The company is looking to conduct a round of technical inspection and repair/renewal works for all its containers, used for freight operations. The total cost of the project is estimated to be EUR 650,000. Envestio participants will have a chance to finance this project in several tranches of moderate size, according to the number of containers submitted for inspection and further proceedings in a single batch.

Market

Consolidated figures show that during the year 2017 the global market for transportation of goods using freight containers increased by more than 6% in relation to 2016. Last time so high market growth rates were observed more than 6 years ago – in the year 2011. Overall demand for China-Europe-America freight routes in 2017 increased rapidly due to China’s GDP 6,9% growth that was almost 0,5% higher than anticipated growth of 6,5%. At the same time, also the freight rates in 2017 swiftly recovered from downfall, experienced in 2016.

Further development of the global market is largely dependent on the extent at which current expansion plans of the biggest container lines are realized as well as on the development dynamics of the international trade. Bearing in mind increasing ambiguity on the global markets, caused by geopolitical shifts combined with high growth rates the key factor for success is the ability to manage both own and freighted assets in the most efficient and flexible way.

From the regional perspective the biggest increase in volumes was achieved in the North America (+12,6%), followed by Latin America (+11,1%), China (+10,3%), and Europe (+4,4%).

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 10.11.2018 – EUR 17.84
  • 10.12.2018 – EUR 17.26
  • 10.01.2019 – EUR 17.84
  • 10.02.2019 – EUR 17.84
  • 10.03.2019 – EUR 16.11
  • 10.04.2019 – EUR 17.84
  • 10.05.2019 – EUR 17.26
  • 10.06.2019 – EUR 1017.84

Total expected return: EUR 1 139.83

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New Envestio project – Renewal of freight containers – Tier 1

Envestio logo

Envestio informed today that a new investment opportunity is available at the portal to all registered participants.

By introducing the new Investment Project Owner “SRR” JSC with project “Renewal of freight containers – Tier 1″, Envestio expands the variety of industries available to invest in. “SRR” JSC has a long and successful experience of conducting logistics operations.

The loan is fully secured by mixed commercial pledge and personal guarantee of the main beneficiaries of “SRR” JSC.

As usual, you can invest any amount starting from 1 EUR. Minimum deposit to the investment account is EUR 100.

If you invest for the first time at Envestio don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first nine months (270 days), more details HERE.

 

Investment opportunity

  • High-yielding investment in logistics industry, financing of technical inspection and repair/renewal works for freight containers.
  • Secured debt, 21% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The JSC SRR was established in Riga, Latvia in the year 2007. JSC SRR is a member of FIATA, LAFF, LTBA, CCTP, holds ISO 9001:2008 certificate, and employs 64 people.

Company’s key assets include 950 x 20’ and 450 х 40’ containers as well as 825 railroad platforms.

The main fields of company’s activity are:

  • Multimodal transportation and integrated railway solutions for metallurgical companies and industrial manufacturers
  • Handling of container trains
  • Optimizing use of rolling stock and providing own containers
  • Warehousing of various types of cargo
  • Regular feeder container line Rotterdam-Riga-Ust-Luga-St. Petersburg-Rotterdam

The company is looking to conduct a round of technical inspection and repair/renewal works for all its containers, used for freight operations. The total cost of the project is estimated to be EUR 650,000. Envestio participants will have a chance to finance this project in several tranches of moderate size, according to the number of containers submitted for inspection and further proceedings in a single batch.

Market

Consolidated figures show that during the year 2017 the global market for transportation of goods using freight containers increased by more than 6% in relation to 2016. Last time so high market growth rates were observed more than 6 years ago – in the year 2011. Overall demand for China-Europe-America freight routes in 2017 increased rapidly due to China’s GDP 6,9% growth that was almost 0,5% higher than anticipated growth of 6,5%. At the same time, also the freight rates in 2017 swiftly recovered from downfall, experienced in 2016.

Further development of the global market is largely dependent on the extent at which current expansion plans of the biggest container lines are realized as well as on the development dynamics of the international trade. Bearing in mind increasing ambiguity on the global markets, caused by geopolitical shifts combined with high growth rates the key factor for success is the ability to manage both own and freighted assets in the most efficient and flexible way.

From the regional perspective the biggest increase in volumes was achieved in the North America (+12,6%), followed by Latin America (+11,1%), China (+10,3%), and Europe (+4,4%).

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 21.10.2018 – EUR 17.26
  • 21.11.2018 – EUR 17.84
  • 21.12.2018 – EUR 17.26
  • 21.01.2019 – EUR 17.84
  • 21.02.2019 – EUR 17.84
  • 21.03.2019 – EUR 16.11
  • 21.04.2019 – EUR 17.84
  • 21.05.2019 – EUR 1017.26

Total expected return: EUR 1 139.25

 

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Crowdestate real estate crowdfunding marketplace overview

Crowdestate logo

Crowdestate is a real estate crowdfunding marketplace offering high-quality, pre-vetted real estate investments. Their close relationships with different local real estate developers and brokerage companies give them access to a large number of off-market real estate investments. Only the best investments surviving the due diligence process are published for investing.

While all relevant information required for making proficient investment decisions are attached to each investment, all investment decisions are made by the investors based on their personal investment preferences and risk tolerance. Extensive background information, business plans, and financial models combined with a low 100 euro minimum investment are making real estate investing quick and easy.

Online marketplace and underlying technology provide access to the real estate investments regardless of your location or time zone.

At the same time, Crowdestate is a perfect partner for real estate entrepreneurs having a bright investment idea but lacking etiher capital or liquidity. Crowdestate is their professional funding partner, consolidating hundreds or thousands of smaller investment orders into a single lump sum.

How it works and who can invest?

You should be a registered user to gain access to the investment opportunities. Before investing, you are expected to provide Crowdestate with necessary information and confirmations required by the law.

As a registered user, you can open one or several investments accounts (for instance, one for your personal holdings and the other for your investment company). All your transactions (investments, distributions, payments etc) will be reflected on your investment account.
You should have sufficient free funds on your investment account to start investing. Funds can be added to your investment account through wire transfer, please always use investment account’s unique reference number to ensure smooth transactions.
Please review investment opportunity before making any investment decisions. Crowdestate’s investment opportunities are of different length, risk profile and return expectations. Please consider the suitability of any investment opportunity to your personal risk tolerance and investment horizon. If the available opportunity does not match with your preferences, please do not invest in it. We are regularly adding new real estate investment opportunities and in time you will find a suitable one.
If you have found a suitable real estate opportunity, please start investing by entering your investment amount and concluding the necessary agreement. At the moment of signing the agreement, Crowdestate will make the reservation in your investment amount on your investment account.
In case the funding campaign is successful (the investment opportunity gets funded before the deadline of the funding campaign), Crowdestate will proceed to concluding the investment transaction. During the settlement process, your investment amount will be debited from your investment account and transferred to the Sponsor.
In case the funding campaign fails (the investment opportunity falls short of full funding before the stated deadline), your investment agreement and the reservation on your investment account are automatically cancelled.
Investors from all countries are welcomed in Crowdestate loans except US citizens (due to the regulations the US government has set).

Investment minimum and maximum amount

The minimum amount of any single investment is usually EUR 100,00 (one hundred euros), and investments can be made with 100 euro intervals (i.e 100, 200, 500, 1000 euros etc).

Any new investment opportunity opens with a 24 hour prebooking period. This is a period where one investor can make one investment order within the preferred maximum investment amounts. The final investment amount will be determined by the number of prebooking investors. It will remain between 100€ and your submitted maximum investment amount.

Different types of capital and their meaning

Equity is the capital placed in the company by its owners. The owners are paid the last, after all liabilities have been paid.

Mezzanine is a hybrid capital (subordinated loan or preferred equity) that lies between equity and secured loan. It has a lower risk than equity – mezzanine financing is repaid before equity, but after all bank obligations have been fulfilled. In addition to the usual interest, bonuses that depend on the profitability of the project may be added to the mezzanine capital.

Unsecured loan is a layer of capital between equity and secured loans. They are riskier than secured loans, but also more profitable. Unsecured loans are repaid to the owner of the capital after all secured debts have been repaid.

Secured loan is the safest and thus the least profitable type of capital. The loan is secured against a collateral, which is usually a mortgage on the assets of the company or some other type of collateral. Secured loans are always repaid in the first priority.

Different types of real estate investment and their meaning

Rental – Investments to projects with available cash flow.

Development – Investments to property development projects (the construction and sale of buildings).

Speculative – Risky early-stage investments to a property where the main parameters of the development project are known, but they can change significantly during the implementation of the project (e.g. the development process of the detailed plan and its duration as well as building rights).

Various asset classes and their meaning

Working capital is a capital needed for financing the running operations of a company.

Investment is a capital placed in the development of a company, in particular in its main assets.

Bridge financing is a temporary short-term financing, usually later replaced by a long-term and more stable financing solution.

M&A is financing mergers and takeovers of businesses.

 

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Lime Zaim has launched on Mintos and initially offers investment opportunities in RUB and will begin to offer loans in EUR in the coming weeks

Mintos logo

The Lime Zaim company is a technology-driven financial service provider from Russia and will offer returns up to 13% and 18% for its EUR and RUB loans respectively on the Mintos peer-to-peer lending marketplace.

Lime Zaim, part of the Lime Group, was established in 2013 in Russia and began issuing loans in the first quarter of 2014. Lime Zaim’s lending products assist under-banked consumers to expand their purchasing power and to manage their short-term cash flow needs. To achieve this, the company offers short-term loans and instalment loans to citizens of Russia completely online. Its proprietary machine-learning scoring algorithms combine standard credit history information with behavioural and demographic factors to provide it with a more accurate credit score. This allows the company to offer credit to borrowers passed over by traditional lenders.

The Mintos marketplace offers an outstandingly flexible source of funds enabling us to smooth capital flows by exactly matching assets with liabilities and to further diversify our funding structure,” says Kevin Hurley, Vice President of Finance at Lime Capital Partners.

On Mintos, the average Russia-issued personal loan from Lime Zaim is around RUB 7 000, and the average EUR equivalent is EUR 100. The average repayment period is 28 days. You can expect a net annual return of up to 18% for its loans listed in RUB and up to 13% for its EUR loans.

All loans from Lime Zaim come with the buyback guarantee from its mother company, Laim Zaim Holdings Limited. This means, if a loan is delinquent for more than 60 days Laim Zaim Holdings Limited will repurchase the loan. The loan originator will also keep 10% skin in the game, to ensure its interests align with those of investors.

Since its founding in 2013 by Alexey Nefedov and Stanislav Sergushkin, Lime Zaim have scored hundreds of thousands of loan applications, issuing 393 000 loans to more than 100 000 customers.

Lime Zaim’s revenue for 2017 was around EUR 11.6 million and net profit for the same time period was around EUR 1.4 million. As at January 1, 2018 it had a net loan portfolio of more than EUR 2.3 million.

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New investment project in Latvia announced by Bulkestate – Barona Dainas II – Launch 10 july 2018

Bulkestate logo

Bulkestate announced today that it is preparing to launch a new investment project in Latvia.

Launch time: Tomorrow / 10 July 2018 / 16:00 (EEST)

The second phase of the project ‘Barona Dainas’ follows as the borrower has successfully completed the purchase of the property.

Interest rate: 18%

Investment target: 50,000 EUR
Loan period: 12 months
Future loan to value: 33%
Security: Equity

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New investment project in Latvia announced by Bulkestate – Launch 6 july 2018

Bulkestate logo

Bulkestate announced today that it is preparing to launch a new investment project in Latvia.

Launch time: Tomorrow / 6 July 2018 / 16:00 (EEST)

The property is a 2200 m2 large land plot on Lūku Street, in Mārupe district. The land plot is intended for private house construction. Mārupe is one of the closest private housing areas to Riga.

Interest rate: 13%

Investment target: 35,000 EUR
Loan period: 6 months
Loan to value: 49%
Security: Mortgage

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5 essential steps to invest buying a property

Real estate invest

The first steps as an investor in the real estate world can be risky and complicated. Like any new approach, there is a learning process and by allocating time and studying the problem, the results will be positive. Before you buy a property, here are some steps to keep in mind.

Prepare the advance and set the rates for the loan

Financing through a loan an investment in a property is not the same as the financing of your own home. If you decide to invest and buy a property, expect a fairly important advance. Get ready the advance and study bank lending offers. Funding conditions are very important.

Decide if you want to rent or sell the property

Renting or selling an investment involves different strategies, so it is important to know what method you intend to apply. If you bought a property and you want to sell it after you arrange it, it is a quick way to earn capital. Renting requires shorter repairs and smaller investments, but it has a much lower return. The gains accumulate over time and the investment is amortized over a long period of time. Rental properties involve long-term commitments to keep tenants, but provide a long-term secure income.

Understand the local economy

Studying the current situation may be helpful. If you intend to rent, it is important to think long-term. Is the city potentially economical, or is the local economy declining? You need an economy that attracts potential tenants who will pay for long-term rent or you can always find quality buyers. Researching this economic situation will take time. Nobody knows the situation better than a local. Create relationships to understand if it is advisable to rent or sell a property. You can start investing in real estate in an area that will be familiar, close to your resentment.

Study the market

If you like a building, look for similar properties on the market. It is helpful to orient yourself according to the market price. Make a comparative study to see at what price you could rent your property, compared to other similar properties. Do not focus only on pricing. Verify if certain properties are for long available for sale on the market, then there are reasons why they are not leased. If real estate agents offer discounts, this indicates a market with few buyers. If the prices are high and few properties are available then the market is weak in quality offers and there are many buyers, that is, you have to compete.

Find out the costs for repair and maintenance

When buying a property, you also have to estimate the costs for repairs and improvements so that it is suitable for rent or later sale. Call a specialist who can find hidden building defects. If you intend to resell, evaluate correctly what costs are involved in the arrangement of the building. External repairs, painting, overhauling are much cheaper as structural defects or electrical network reconfiguration. Take into account not only repairs but also maintenance costs. If you want to resell, then you have to include these expenses in your plans, so you will not to lose. If you want to rent, avoid major repairs and renovations. Renting will bring long-term income, and the investment should not involve large expense.

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Get 0.5% cashback bonus for your investments made on EstateGuru

EstateGuru logo

EstateGuru now offers a 0.5% cashback bonus for your investments made during the first 3 months from the registration.

How the program works?

In order to get the bonus you first must register by following THIS LINK.

The investor who completed a registration will get a 0.5% cashback bonus for the investments made in the first 3 months. Calculated bonus amounts are transferred to the investment account of the EstateGuru investor.

For other bonuses visit our Cash-back & Bonuses page.

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