Profitus informed that a new opportunity is available at the platform to all new participants.
Every new investor who register with the link Register with a bonus! at Profitus, will get an additional 1% to annual interest for the first investment made during the first 30 days after registration.
For other bonuses visit our Cash-back & Bonuses page.
NEO Finance offer investors the possibility to invest in the loans of Lithuanian consumer credit receivers.
Operating since 2015, the platform has been offering its investors solid returns of 12-18% and is the first P2P platform in the country to have reached constant EUR 1.5 M+ monthly issues.
NEO Finance itself is a loan originator. This allows investors to invest directly in the initial loan, and not via the marketplace where they are offered to refinance an already-issued loan. As a result, the investors have more control over their investment. They can see all relevant information on the borrowers: occupation, income, amount being borrowed, preferred interest rate, etc., and, therefore, make an informed decision of where to invest.
NEO Finance is the first and, so far, the only Lithuanian P2P platform operator to hold the unlimited e-money institution licence which allows operations in entire European Union. This ensures constant company’s supervision by the Bank of Lithuania. The supervision obliges NEO Finance to present the Bank of Lithuania with audited financial and statistical reports on a yearly and quarterly basis, respectively. NEO finance is also mandatorily audited by an external auditor at least two times per year.
Mintos peer-to-peer lending marketplace infomed today that a new campaign is available for first time investors until the end of December: “First deposit using Trustly payment method”.
The “First deposit with Trustly” campaign is valid from December 5, 2018 to December 31, 2018.
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 7″, 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.
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:
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.
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%).
Envestio participant’s investment – EUR 1 000.00
Payments:
Total expected return: EUR 1 139.25
Lending & Finance Technologies (LF TECH) from Kazakhstan has just launched on the Mintos peer-to-peer lending marketplace and offers investors the opportunity to invest in its short-term consumer loans issued in Kazakhstan. The company is one of the leading short-term lenders in Kazakhstan and now lists its loans on Mintos in EUR and KZT for investment.
The company started its operations in 2012 when it opened its first branch. Since then, the group has opened 130 branches across the country, established its online product with an application review that’s less than 15 minutes, and expanded its presence in the Russian market. It aims to give its customers an individual approach, fast service and convenience when using its product. These benefits have attracted over 500 000 unique customers in Kazakhstan.
The average Kazakhstan-issued loan from LF TECH is EUR 100. The repayment period is up to 30 days and borrowers repay their loan in a single instalment. You can expect an annual net return of up to 11% for its loans listed in EUR and 18% for its KZT loans. In the future, LF TECH also plans to increase its offering on Mintos and place its car, and pawnbroking loans for investment.
All loans from LF TECH are secured with a buyback guarantee and will be repurchased if the loan is delinquent for 60 days or more. In addition, to ensure the interests of the loan originator are aligned with investors, the company will maintain 15% skin in the game.
The company is 100% equity funded, hence, maintains a very strong balance sheet position. Since 2012, it has disbursed around 1 252 000 loans in Kazakhstan worth EUR 122.3 million. At the end of September 2018, its net loan portfolio amounted to EUR 19 million. The company expects stable growth and profits for future years in its home market and Russia, as well as plans to continue its expansion in South East Asia.
Crowdestor informed today that soon there will be a chance to invest in one of the fastest growing fashion brands in Northern Europe – INCH2.
Currently loan agreement between CROWDESTOR investors and INCH2 is being finalized, indicative loan conditions are expected to be as follows:
The company was founded by Olga and Edward Peterson. Olga as promising young architect and Edward with an expertise in online marketing started the brand in 2015.
Since day one INCH2 recognized the possibilities of e-commerce and started to look for ways to gather global audience using the latest online marketing technology and combining that with beautifully handcrafted shoe designs. INCH2 digital marketing campaigns reach around 20’000’000 people monthly and since foundation the company has sold more than 22’000 pairs of shoes generating 183’968 EUR in 2016, 1’651’505 EUR in 2017, 2’834’892 EUR by end of September 2018, and expecting to reach around 5 million in sales by end of 2018 with top markets in the USA, Russia, Germany, UK and France.
These eye-catching, refined designs of INCH2 have propelled the brand to be recognized all around the globe and has achieved support of 700’000+ committed followers on Facebook and Instagram. This analysis-based online exposure combined with unique designs has no limits as to how far the brand can go.
Now INCH2 manufacturing is extended to Europe’s best shoemakers. The brand’s footwear is being produced in Portugal at the same facility as such well-known brands as KENZO, LANVIN, MAISON MARTIN MARGIELA, GIVENCHY and others.
As a rapidly growing start up business INCH2 faced a situation where demand for the shoes out-weighted previous production capacity as a result delivery time is around 2 months.
INCH2 is looking for an investment that would give the brand a possibility to expand their sales offline through the most desired prime shopping venues and to enlarge stock for the existing women’s collection as well as just launched men’s collection and bags. After entering retail channels and reducing delivery time for online orders by having a valid stock, it is predicted to have a huge increase of INCH2 loyal customer orders around the globe.
Grupeer announced that today they will launch a new type of loan for investment! They will introduce amortizing loans by their trusted loan originator SIA Monify. One of Grupeer’s core competencies is diversification tools: geographical, loan type (real estate or business loans), and now loan repayment schedule.
The second benefit is a sooner availability of investment principal, which can be used for reinvestment. Setting up Auto-Invest function will automatically invest all money monthly received and will even further increase the return, as your money (which were sitting in the body of the loan) will be earning in the new project.
Spanish mortgage lender FIREOF Management, which recently launched on Mintos, now offers investors the opportunity to invest in its loans by selecting them based on loan risk categories. The inclusion of the risk categories will allow investors to make more informed investment decisions.
FIREOF loans have a historical track record of 0% loss given default (LGD) and 0% bad debt rate due to the high loan-to-value ratio (average below 35%), thorough analysis of the borrowers and collateral as well as the personal guarantee provided for the loans. The risk of losing the principal has historically been very low and the main risk has been related to liquidity – locking in the investment during the court collection process which varies and averages 18 months.
FIREOF will provide loan risk ratings in each scoring category based on the predicted probability of default (PD) – assessment of the probability of loans becoming 90 days late when the court collections process is being initiated.
FIREOF Risk Categories
| Category (Score) | PD* | Interest rate to investor |
| AAA (1000-851) | 0,63% – 0,70% | 5,00% – 6,00% |
| AA (850-701) | 0,95% – 1,04% | 5,50% – 6,50% |
| A (551-700) | 3,76% – 4,15% | 6,00% – 7,00% |
| BBB (500-551) | 5,04% – 5,57% | 6,50% – 7,50% |
| BB (451-500) | 5,79% – 6,40% | |
| B (331-450) | 7,24% – 8,00% | |
| C (0-330) | 9,78% – 10,81% |
* Probability of default (loans going into court collection, more than 90 days past due). Historically FIREOF has been able to recover 100% of principal for all defaulted loans.
FIREOF bases the risk categories on their scoring model that is being used to assess the riskiness of the loans they are issuing. Their scoring model, based on a FICO score (a type of credit score created by the Fair Isaac Corporation), has been specifically designed for the mortgage secured lending business in Spain. It takes into account various factors in three main areas to determine the credit quality: borrower profile, collateral liquidity and loan type risk.
FIREOF takes into account the loan type risk (35% of score), collateral liquidity (35-40%) and borrower profile (25-30%) to determine the credit score for each loan. Scores range between 0 and 1 000. In general, scores above 550 indicate a good credit quality. In contrast, loans with scores below 500 mean the credit quality is inferior – borrowers might find it difficult to repay monthly instalments, the quality of the collateral is sub-optimal or the loan type holds a larger risk. Currently, FIREOF plans to offer only loans with category BBB and higher for investment to Mintos investors.
In order to determine the loan type risk, different aspects of loan parameters are taken into account, including the amortization type, the term of the loan, APR charged to the borrower, loan amount and reason for taking the loan.
To reach an acceptable score for collateral, collateral type (internal liquidity), market size and liquidation price (external liquidity) are analysed together with government public ratios to measure the potential of selling the collateral in case the borrowers of FIREOF fail to repay their liabilities.
Loan to value (LTV) and loan to liquidation value (LTLV) are calculated on a principal cap basis. In addition, fraud detection triggers are deployed at an early stage.
As a general rule, borrower information is provided and analysed by the Spanish central bank. The information analysed includes the average default probability by age, debt to income ratio (DTI) and payment incident records in combination with the minimum income (of the borrower). The decision-making process is continuously improved based on past performance information
Established in 2015, FIREOF is an asset-secured lending business whose mission is to provide a financial bridge to Spanish consumers. FIREOF pursues a win-win relationship with their borrowers. The company is fully licensed and audited and it provides its credit products through established brokers.
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.
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:
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.
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%).
Envestio participant’s investment – EUR 1 000.00
Payments:
Total expected return: EUR 1 139.83
A subsidiary of the Alfa Finance Group, DoFinance is a platform providing web P2P platform operations which, thanks to innovative financial technologies, offer easy, secure and smart way of borrowing money or investing available financial resources and earning money in a manner that offers an alternative to traditional opportunities such as conservative bank deposits or risky stock markets.
The global online lending and investment management company Alfa Finance Group was founded in 2015, when brothers Viesturs and Jānis Kuļikovskis decided to pool their knowledge and experience. Alfa Finance has a strong idea they both share – creating original and modern finance services so that anyone can become his or her own personal investor and financial director in a safe, easy and smart way.
Their business essence is consumer loans and P2P investment platform services for private individuals. In less than two years, they have successfully expanded to Poland, Georgia and Indonesia, with a total of more than 150,000 registered clients and over EUR 16 million in loans issued as financing. The Alfa Finance Group is growing all the time, and in the next few years, they plan to develop their operations in other European and Asian markets.
In order to invest in DoFinance platform you must be at least 18 years old, have a valid e-mail address, valid documents (passport or identification card) and bank account within the European Union, Switzerland or any other country of the EEZ, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. For complete registration you will have to provide a national identification card (scanned or photographed both sides) or passport (scanned or photographed).
Companies can also register. When registering as a company you need to select the option “Company”, need to fill in the form with the necessary information and upload the company registration certificate or extract from the company register.
DoFinance doesn’t tax accrued interest therefore investor receives full amount. In addition regarding taxes – profits earned in DoFinance are tax object and by taking into account the legislation of the country where the investor is resident (for tax purpose perspective). Actions related with payment of taxes are on investor’s responsibility. At the end of the year we do provide account statement specifying interest received.
DoFinance offers you the chance to invest in short-term consumer loans and recommends using one of Auto Invest plans depending on your desired return rate, term and flexibility.
You can choose to invest in loans with a term ranging from 1 day up to 60 months.
There are 3 simple steps – register, add documents and add funds (starting from 10 euro). When you have added money in your investor’s account, you can start investing. They recommend you to use some of DoFinance Auto Invest plans. The DoFinance automation tool creates an investment portfolio based on your preferred term, amount of money and interest rate. If you use the Manual Investment option, they suggest splitting your investment up into several loans, to diversify your portfolio.
On DoFinance there are no investment limits for individual investors. But in accordance with DoFinance Anti-money Laundering procedure, investors who wil exceed 15 000 euro and 50 000 euro limits, will be asked for some additional data.
There are no fees for investing.
The Auto Invest tool is free of charge and is an easy-to-invest, easy-to-manage and automation tool for diversifying your investment portfolio. Auto Investing means that a person entrusts the distribution of the money invested and the same investment in the DoFinance system.
The BuyBack guarantee is a guarantee issued by the loan originator to the investor for a particular loan. It confirms that the loan originator will repurchase the loan from investor if repayment of that particular loan is delayed. The BuyBack guarantee is applied for all loans in DoFinance system. It starts on the first day after the end date of the investment. We call it Instant BuyBack.
Withdrawals depends on your selected investment plan. With Auto Invest it’s possible to cancel all programs:
5% plan – you can receive your money 7 days after your request including accumulated interest.
7% plan – you can receive your money 30 days after your request with 5% interest or 60 days after your request including accumulated 7% interest.
9% plan – you can receive your earned interests each 30 days after investment (automatic monthly interest repayment) or principal amount 90 days after your request without interest.
If your account is less than 10 Eur, then you must transfer the entire amount at a time.
It is not possible to cancel investments that are made with the Manual Invest option.
