Tag Archives: peer-to-peer lending

New high-yield ReInvest24 project – Duplex apartment development in Tallinn’s tech hub

ReInvest24 informed today that a new investment opportunity is available at the portal to all registered participants: Duplex apartment development in Tallinn’s tech hub.

Investment type: Development loan
Period: 6 months
Interest per annum: 14%

Interest will be calculated from the day of placing the investment!

ReImvest24 - Duplex Majaka 54 - 9 Tallinn, Estonia

ReImvest24 – Duplex Majaka 54 – 9 Tallinn, Estonia

Project details

The property for investment with the address Majaka 54 – 9 Tallinn, Estonia is a duplex shell apartment located in an old apartment building that is in need of modernisation. The investment involves developing the property by finishing its construction, renovating the building’s facade and common areas and eventually selling the apartment for a healthy profit. The apartment is located in a flourishing area, next to the airport and various other new developments, which makes it an attractive investment property as well a residential dwelling.

Purchasing the apartment at this stage and investing into finishing the construction of the property, and renovating the building itself will increase the value of the real estate significantly (considering the current market situation). The real estate for sale will include a brand new duplex apartment with a balcony in a developing and strategically good area.

Cashback campaign

Don’t forget that until 31.05.2019 there is a cashback bonus campaign on ReInvest24 for all registered users. More information here.

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New investment project in Latvia announced by Bulkestate – Marijas Street

Bulkestate logo

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

Bulkestate: Marijas Street

Bulkestate: Marijas Street

Launch time: Friday/ 17 May 2019 / 13:00 (EEST)

The object is located in the very centre of Riga and is one of the local cultural monuments.

Investment opportunity

Interest rate: 17% (+2%*)
Investment target: 1 750 000 EUR
Loan period: 9 months
Loan to value: 62%
Security: 1st rank mortgage

*Bulkestate incentive payment

For this project Bulkestate offers the following special incentive pay for investors:

  • Investors making EUR 10,000 or larger investment will receive 1% incentive payment from the invested amount, while
  • Investors making EUR 25,000 or larger investment will receive 2% incentive payment from the invested amount.
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New high-yield Envestio project – Production of Sawn Timber – part 6

Envestio logo

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

The project is presented by the Investment Project Owner that is already familiar to Envestio participants – Latvian company NDINAMIKA SIA. By investing in the project “Production of Sawn Timber – part 6” it is possible to participate in the financing round for the production cycle of sawn timber products by a representative of European woodworking industry.

The loan is fully secured by commercial pledge and personal guarantee of the main beneficiary of NDINAMIKA SIA.

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 woodworking sector, factoring-type financing for a sawn timber production/wood pellets trading company.
  • Secured debt, 16,75% planned annual return.
  • Investment principal buyback is available at 5% penalty rate.

Project description

The company NDINAMIKA SIA is a Latvian company that is successfully acting on the market of production and sale of sawn timber to local and international customers. Established in the year 2013, NDINAMIKA SIA is a well-known and experienced player on the Latvian woodworking market. Besides production of sawn timber, the company is also engaged into sale and delivery of wood pellets/biomass fuel to Latvian households, small agricultural complexes, and other consumers.

Sawn timber is being produced from the raw round timber, purchased directly from the owner of the forest sites. NDINAMIKA SIA has concluded long-term agreements with a number of companies and private individuals that ensures operational flexibility.

A standard production cycle includes:

  • Inspection of the site, marking the trees
  • Cutting down the trees in agreed volume using company’s equipment and vehicles
  • Transportation of the raw round wood to the company’s warehouse, preparation for further processing
  • Production of sawn wood using specialized tools and equipment
  • Post-production treatment, packing, sale

The funds, attracted with the help of Envestio will be used for the purchase of raw round timber, financing the production process, and covering the time gap before the final payment is received from the customers.

Market

In the first half of 2018 the overall situation in the sphere of supply of round timber has continued to improve. At the same time, assortment prices remain high, thus indicating insufficient supply of wood for further processing. As the “Forest and Wood Products Research and Development Institute” notes, the rapid increase in the prices of round wood in ports has reduced the availability of technological wood in the regions of Latvia.

Roundwood prices have risen noticeably not only in Latvia, but also in the Baltic neighbour states and Sweden. It should be noted that the increase in prices for pulpwood and saw logs in Sweden has not been as rapid as, for example, in Latvia.

The limiting supply of round timber and the high demand for wood due to climatic conditions, as a result of the increase in the prices of round timber, has affected the export performance of the industry.

In the 5 months of 2018 the amount of wood products exported from Latvia exceeded the indicator of the previous year by 21%. The value of exports of slab and plywood exceeded last year volumes by 4%, the export sales of sawn timber products remained at the same level, the volume of exported granules decreased by 14%. The export value of round timber climbed by 90%, firewood and chips – increased by 12%.

The volume of imported chips from Belarus has reached 215 thousand tons in the five months of this year (in the 5 months of 2017, 6.2 thousand tons). In its turn, the volume of chipped exports in the first five months of this year was 11% lower than a year ago.

The export of roundwood exported for cellulose to Sweden and Finland has almost doubled this year in the five months compared to the previous year, reaching 1.05 million m3 (0.54 million m3 in January-May 2017). It should be noted that the total timber exports are dominated by thin timber for the production of slabs and pulp. Thus, in the 5 months of 2018, from the total volume of round timber exported to foreign countries, about 70% was thin timber, which went to the Scandinavian paper industry.

In the second half of 2018, according to forecasts of general economic development, stable demand will remain in the largest markets for timber production sales.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 08.06.2019 – EUR 14.23
  • 08.07.2019 – EUR 13.77
  • 08.08.2019 – EUR 14.23
  • 08.09.2019 – EUR 14.23
  • 08.10.2019 – EUR 13.77
  • 08.11.2019 – EUR 14.23
  • 08.12.2019 – EUR 1013.77

Total expected return: EUR 1 098.23

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New Rendity project – Josef-Ruston-Gasse 28

Rendity informed that a new investment opportunity is available at the portal to all registered participants: Josef-Ruston-Gasse 28.

Investment type: Development project
Period: 24 months
Fixed interest per annum: 6.5%
Distribution: Yearly
Financial intrument: Qualified Subordinated Loan
Issuer: Cardiometa Research GmbH
Minimum investment amount: 500 EUR (decreased from 1000 EUR, only for this project)

If you invest for the first time at Rendity don’t forget that you can get 25 EUR signup bonus for your first investment, more details HERE.
Josef-Ruston-Gasse

Rendity Josef-Ruston-Gasse project

Rendity Instant Interest

Investors receive from the deposit of the investment the Rendity Instant Interest, which will be paid after the funding period. With the Rendity instant interest, you not only receive interest on your invested capital for the loan term, but also for the time before that. Thus, you already receive interest for your investment during the funding period. You will receive your Rendity Instant Interest at the end of the funding period.

Project details

The Josef-Ruston-Gasse 28 project is a new building project in 1210 Vienna. In the course of the project 69 residential units with a weighted total usable area of 3,328 m² and open spaces (loggia/terrace/gardens) of 913 m² will be built. The apartments will be grouped around two open courtyards on four floors. The project has already been approved and 10 apartments have already been sold prior to the start of construction (Q2 2019). Further reservations have already been made.

The individual apartments are between 36.92 m² and 109.33 m² in size and all have open spaces. The majority of the project (57 out of 69 residential units) consists of efficiently designed two-room apartments that appeal to both owner-occupiers and purchasers of condominiums. The remaining 12 units are 3- and 4-room apartments, which are increasingly aimed at couples and families.

 

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Why you should consider investing in Bondora Go and Grow

Bondora Go&Grow

Bondora Go And Grow

Bondora was founded in 2008 and is one of the oldest and most trusted peer-to-peer platforms on the market. Until a couple of months ago, the only way to invest your money with Bondora was by investing in consumer loans directly through Portfolio Pro or their Portfolio Manager.

In May 2018, Bondora released Go & Grow. The big advantage of Go & Grow compared to other crowdlending offers is that you can access your money at any time, which is not possible if you’re lending your money out on other platforms (although you might be able to sell loans on the secondary market). Bondora automatically invests your money into a well-diversified bucket of tens of thousands of different loans across all credit ratings (AA-HR).

If you invest for the first time at Bondora don’t forget that you can get € 5  signup bonus for your first investment, more details HERE.

What is Go & Grow?

Go & Grow works as easily as (if not easier than) traditional investment methods whilst giving you an impressive return of 6.75% p. a. You simply add money to the account, then you can view and track your return on a daily basis. What’s more, there is no minimum term to hold your investment— meaning you can liquidate your account with ease.

A fundamental difference between Go & Grow and the products of other peer-to-peer lending platforms is the liquidity. If you’re looking for a short-term product in which you can liquidate your investment quickly, this is difficult to do with other existing platforms.

Reasons to use Go & Grow

The P2P industry has gained enormous popularity over the past few years. However, some investors have felt excluded from the incredible opportunity due to thinking they lack enough experience. No matter your experience level, Go & Grow offers market-leading benefits for all:

  • 6.75% p.a. return
  • Faster liquidity, meaning you can cash out your investment with minimal effort
  • Lower risk than other existing products, achieved via a diversified portfolio of investments backed by advanced and reliable technology
  • You only pay taxes when you make a withdrawal over your initial capital investment
  • There is a flat withdrawal fee of €1, regardless of the size of the account
  • No annual management fees
  • Share your account access and invest with people you trust to achieve a common goal
  • Ideal for beginners, as no previous investment experience is necessary
  • Automated features

A very important aspect for Bondora Go & Grow and which is not explained very clearly is that INTEREST is added DAILY to your account, so you do not have to wait a certain amount of time to benefit from the growth. This way, within a short period of time, you can clearly see the progress you are making towards your goal and how much Bondora has contributed to your total progress.

Other features of Bondora’s Go&Grow

  • Invite the people you trust: you can invest in cooperation with your friends and family members. To add authorized users to your Go & Grow account, click on the blue arrow in the upper right-hand corner of your account next to the settings wheel. You will then see the option “Invite to Go & Grow” appear. Once you click on this, enter the name and e-mail address of the person with whom you want to start investing. You can also select whether you want to grant this person the authority to withdraw from the account. You should only enable this feature for the people you trust.
  • Sub-accounts: you can create multiple accounts within Go & Grow (or “sub-accounts”) which will be independent of one another.
  • Setting goals: you can set goals for each sub-account within Go & Grow. You enter your starting capital amount, the amount you plan to invest monthly, and the duration of time for which you plan to invest. Bondora then combine this with the offered return rate to give you the “potential gain” figure.

 

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New investment project in Latvia announced by Bulkestate – Saraiķi

Bulkestate logo

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

Bulkestate: Saraiķi

Bulkestate: Saraiķi

Launch time: Wednesday/ 27 February 2019 / 15:00 (EEST)

Investment opportunity

Interest rate: 14%
Investment target: 34 000 EUR
Loan period: 12 months
Loan to value: 45%
Security: Mortgage
Repayment date: 06.03.2020

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ReInvest24 – Real estate investment platform overview

ReInvest24.com is a real estate investment platform that allows investors to invest into properties in smaller amounts than it would be required, if they would be a sole investor and start benefitting from their investments almost immediately. Investors also have a better opportunity to diversify their investments between different properties and keep the investments safe.

Reinvest24 gives you the opportunity to diversify your investments in residential and commercial properties in multiple countries.

Reinvest24 OÜ, located in Tallinn, Estonia, was founded in 2017 and launched the Reinvest24 platform in 2018.

Reinvest24 team is working with the real estate market since 2005 and during this time they were involved with project development, investments in real estate, property sales and maintenance.

How it works and who can invest?

There are 2 ways your investment is working for you and both are happening at the same time:

  1. You get an instant income from the cash flow the property is generating, which is being regularly transferred to your account.
  2. You benefit from the increase of the value of the property. You get this money right after you sell your shares.

When selecting properties ReInvest24 runs a rigorous list of criterias and filters and creates a risk profile for every potential property that includes:

  • Liquidity Index of the property – how easy is it to sell this property, should it be necessary or profitable
  • Vacancy Index – how easy is it to find a tenant
  • Price Growth Expectation – the estimated price growth of a property of this type in this area.

Reinvest24 platform allows everybody to invest, who is older than 18 years old whose active legal capacity is not restricted. In order to proceed to investment stage, you need to verify yourself.

Before making an investment, you need to deposit funds to your wallet on the Reinvest24 platform. When it is done, you can choose a property to invest in. The amount invested will be reserved at first and when the total investment amount is reached during the funding period, your investment will be transferred to the SPVs bank account by Reinvest24. In ‘My Wallet’ you can see the amount that has been reserved. When the target sum is funded, the reserved funds will be moved under funds invested.

If the investment amount is not reached, the funds reserved by the platform will be released and you can use it to invest in other properties.

Investment minimum and maximum amount

The minimum investment amount set in Reinvest24 equals to 100 EUR. There is no maximum investment amount to investor.

 

 

 

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New high-yield Envestio project – Oil product terminal rent – tier 2

Envestio logo

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

The project is presented by the new Investment Project Owner – Latvian venture “Rietumu Nafta” SIA that is successfully working in the market of auto fuel trade since 1998. Currently, the company is the biggest fuel wholesaler in the Kurzeme region of Latvia (Western part of the country) and one of the noticeable players in the country market. By investing in the project “Oil product terminal rent – tier 2” it is possible to participate in the financing of rent costs and other expenses of using oil product terminal facilities that will allow “Rietumu Nafta” SIA to ensure year-round supply, storage, and timely delivery to the customers of necessary amount of diesel and other fuel products.

Total project value is EUR 1,000,000.

The loan is fully secured by commercial pledge and personal guarantee of the main beneficiaries of “Rietumu Nafta” SIA.

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 operations of diesel fuel wholesale and retail trading company.
  • 15% planned annual return.
  • Investment principal buyback is available at 5% penalty fee

Project description

Latvian venture “Rietumu Nafta” SIA is successfully working on the market of auto fuel trade since 1998. Currently, the company is the biggest fuel wholesaler in the Kurzeme region of Latvia (Western part of the country) and one of the noticeable players in the country market. Client-oriented business approach combined with almost 20 years’ experience in the market helps “Rietumu Nafta” SIA in maintaining the leading positions in the industry.

Since the year 2013 “Rietumu Nafta” SIA is a member of Latvian TOP 500 company list, published by major Latvian business newspaper “Dienas Bizness” with annual turnover averaging to EUR 50 mln.

The biggest share of the company’s business is constituted by fuel wholesale operations. “Rietumu Nafta” SIA offers to its clients all different types of diesel fuel of highest quality, produced according to official European Union standards. It includes also fuel for agricultural needs and marked diesel fuel that should be traded following special procedures as per Latvian legislation.

Many company’s clients have concluded long-term purchase and delivery contracts. Delivery is ensured across the whole territory of Latvia using company’s 6 modern fuel trucks that are equipped with fuel volume, temperature, and density controlling features, showing the exact parameters of purchased fuel to the customer.

Besides wholesale and delivery operations “Rietumu Nafta” SIA operates also two gas stations located in the cities of Kuldiga and Liepaja. Gas stations sell to retail customers petrol, diesel fuel, diesel fuel for agricultural needs as well as car biogas (sold at station in Kuldiga).

“Rietumu Nafta” SIA is looking to attract a total amount of EUR 1,000,000 for 12 months in order to finance rent cost and other expenses of using oil product terminal facilities in the one of commercial harbors of Kurzeme region that will allow to ensure year-round supply, storage, and timely delivery to the customers of necessary amount of diesel and other fuel products.

Market

During the first eight months of 2018, Latvian gasoline imports dropped 4% from the respective period a year ago, while diesel fuel imports fell 11.3%, according to the Central Statistical Bureau, writes LETA.

During the first eight months of this year, Latvia imported 186.247 mln liters of gasoline and 826,800 tons of diesel fuel.

The value of gasoline imports rose 8.5 % year-on-year to EUR 78.483 mln in January-August 2018, and the value of diesel fuel imports increased 6.4% to EUR 438.043 mln.

Lithuania was the main supplier of gasoline and diesel fuel to Latvia.

In the eight months, Latvia imported 116.598 mln liters of gasoline from Lithuania, or 62.6% of total gasoline imports (64.6% in January-August 2017) while 65.064 mln liters, or 34.9%, were imported from Finland. Compared to January-August 2017, gasoline imports from Lithuania declined 6.9% and gasoline imports from Finland rose 0.9%.

In January-August 2018, Lithuania also supplied 468,900 tons of diesel fuel to Latvia or 56.7 % of total diesel fuel imports (61.1% in January-August 2017). Diesel fuel imports from Lithuania fell 18.6% against January-August 2017. Diesel fuel imports from Finland increased 4.7% y-o-y to 248,000 tons or 30% of total diesel imports in January-August this year. Latvia also imported 86,200 tons of diesel fuel from Belarus in January-August 2018 or 7.2% more than in January-August 2017.

In the first eight months of this year, Latvia also imported 464 tons of fuel oil, down 46.9% from the same period a year ago. Fuel oil imports from Estonia reached 433 tons or 93.2%, and the value was EUR 221,000.

In January-August 2017, Latvia imported 193.983 mln liters of gasoline, 942,600 tons of diesel fuel and 875 tons of fuel oil.

Sample repayment schedule

Envestio participant’s investment – EUR 1 000.00
Payments:

  • 28.02.2019 – EUR 12.74
  • 28.03.2019 – EUR 11.51
  • 28.04.2019 – EUR 12.74
  • 28.05.2019 – EUR 12.33
  • 28.06.2019 – EUR 12.74
  • 28.07.2019 – EUR 12.33
  • 28.08.2019 – EUR 12.74
  • 28.09.2019 – EUR 12.74
  • 28.10.2019 – EUR 12.33
  • 28.11.2019 – EUR 12.74
  • 28.12.2019 – EUR 12.33
  • 28.01.2020 – EUR 1012.74

Total expected return: EUR 1 150.01

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Get 25 EURO bonus for your first investment on NEO Finance platform

The peer-to-peer lending platform NEO Finance offers now a free 25 euro bonus on complete registration. To receive it, you must REGISTER and comply with the terms and conditions. After complete registration, the bonus will be found in your account and you will be able to use it to make your first investment.

About NEO Finance

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.

Unlimited e-money institution licence and Supervised by the Lithuanian FRA, the Bank of Lithuania

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.

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New investment project in Latvia announced by Bulkestate – Luku Street – 2nd Stage

Bulkestate logo

Bulkestate announced today that it is preparing to launch a new investment project in Latvia: Lūku Street – 2nd Stage.

Launch time: Monday/ 14 January 2019 / 12:00 (EEST)

Lūku Street

Bulkestate: Lūku Street

Investment object

The mortgaged property is a 2200 m2 large land plot on Lūku Street, in Mārupe district.

Mārupe is one of the closest private housing areas to Riga. The main advantage of the region is the convenient traffic to the city centre, international airport and the seaside, at the same time preserving the green neighbourhood characteristic of the outskirts of the city.

Loan target

The borrower intends to refinance an existing loan to increase the operating capital of the borrower’s company.

Investment opportunity

Interest rate: 12%
Investment target: 32 275 EUR
Loan period: 6 months
Loan to value: 45%
Security: Mortgage

 

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