Tag Archives: peer-to-peer lending

Nibble investment platform overview

Nibble is a financial platform that connects investors and lenders throughout Europe. The investment guarantee is much safer because the loans are issued by the companies which are part of the IT Smart Finance Group which are

joymoney
RURussia
ESSpain
MXMexico 2020

The Joymoney brand has been working in the field of alternative loans since 2014. The company is based in Russia and operate in Russia and Spain. Mexico’s operation is scheduled for 2020. Joymoney’s mission is to provide their customers with the opportunity to solve their financial difficulties quickly and safely. The company use their own innovative developments, including patented software solutions, big data analysis, scoring model system and risk management solutions.

Nibble offers two type of loans:

  • Short-term loans (PDL):
    • Loan amount – up to € 500;
    • Loan term – up to 30 days;
  • Installment loans: (Installment):
    • Loan amount – up to € 1000;
    • Loan term – up to 90 days;

Nibble is based on the «Peer 2 portfolio» model. Nibble offer investors the opportunity to invest in alternative loans simply and safely. Nibble offers investors a Buyback guarantee even if the loan is past overdue more than 60 days.

Nibble allow investors to create an investment portfolio in a fully automated way. The investor can establish the portfolio parameters and preferences like the minimum and maximum investment amounts, countries to invest, etc.

One of the main Nibble’s features is that it offers investors a return on investment of up to 12%, exceeding the average profitability of the market.

How does Nibble work?

Nibble is a financial platform and a part of IT Smart Finance holding group. The platform allows individuals and legal entities to invest in given loans, issued by companies of the holding, which have a long experience on a loan market.

Nibble structure

Every client who receives a loan passes a multi-level verification system and receives a scoring assessment on the solvency related to their credit history. From the total amount of applications, the level of acceptance for primary clients is 10%, which allows the company to control risks and ensure repayment.

If the loan is on delay, the company that issued the loan guarantees to buy it back on the 61st day (Brands Joymoney RU, Joymoney MX, Joymoney ES).

Nibble is responsible for the security of transactions, safety of money in investor`s personal account, and provides protection of personal data.

During its active time, the loan will accure the percentage of yield as agreed. By the end of the term, the client has the option to choose from any of our reinvestment alternatives and increase their income. By doing so, the money will be reinvested automatically in new loans. Every individual and legal entity in Europe, including the countries of EU (Switzerland and Britain) can become an investor.

How to start investing on Nibble?

To become an investor in Nibble P2P platform is fast and simple.

If you reached the age of majority and have a bank account in any country in Europe you can be an Investor on Nibble, you just need to register and verify your identity. Nibble works in most European countries, such as Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

You need to register to start investing and earning income on Nibble. After the registration, you can deposit money to your account starting from 10 euros. Then, you can create an investment portfolio by choosing the necessary options and become an Investor!

Currently, the maximum deposit limit on Nibble is 10,000 € per month.

If you invest for the first time at Nibble don’t forget that you can get 1% cashback bonus for the investments made in the first 90 days.

 

 

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Get 1% cashback bonus from Lendermarket

Lendermarket logo

 

Lendermarket informed that a new cashback opportunity is available at the platform to all new registered participants.

Every new investor who register through this link at Lendermarket receives a bonus of 1% of the Net Deposited Funds during the first 60 days after the registration is successfully validated (Net Amount Deposited: amount of money deposited minus the amount of money withdrawn).

About Lendermaket

Lanched in june 2019 in Ireland, Lendermarket is a sister company of Creditstar Group AS, which is the parent company of Creditstar’s operational subsidiaries. The loans listed on the platform are issued in: Poland, Spain and Czech Republic.

Ragistration and investing

Both individuals and companies can register and invest. Individual investors are required to be at least 18 years old, be residents in the European Economic Area (or Switzerland) and have a bank account in such area.
Companies must have a bank account in a bank located in the EEA (or Switzerland).

Sign-up process: 2 steps: Registration and identity verification.

The minimum investment is 10 euros at 12% interest rate.

All loans at Lendermarket come with a Buyback Guarantee. Creditstar will buy back the loans that are more than 60 days overdue from their original due date at the nominal value of outstanding principal, plus accrued interest income and late payment fees.

The repayment depends on the term of the loan. If the term is 30 days or less, there will be 1 single payment at the end of the term. If there are two installments (60 days) or 3 installments (90 days), then the investor will receive 2 or 3 payments respectively. This is beneficial for investors that value more liquidity.

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

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Iuvo peer-to-peer investment platform overview

Iuvo is a p2p platform based in Tallinn, Estonia, which allows its users to invest in loans, granted from Originators (nonbank financial institutions – Easy Credit, Viva Credit, iCredit, BBG , Fast Finance). The Investors can make a motivational profit, and the Originators benefit by the extra funds to help them expand their business.
After the loan is granted by the Originator, it is uploaded on iuvo, where the Investors can see it and choose to invest in it. The Investor receives their profit from the principal with interest after the installment is payed off.
In case the Borrower stops paying the loan, the buy-back guarantee activates immediately and the Investor gets their investment back.

Iuvo Group OŰ is a company, licensed by the Financial Supervision Commission of Estonia, according to Decision № 4.1-1/133 of the Management board of the Commission. Iuvo Group OŰ is regulated credit intermediary from the Estonian Financial Commission.

IUVO strives to provide investors with a world-class user experience through its diversified credit portfolio of trusted originators, as well as superior platform simplicity.

Iuvo is a Latin word that means “to help”, “to save”.

Who can invest at Iuvo?

Iuvo is a platform that is open to individuals and companies.
The individuals must be at least 18 years old, and they need to have a valid bank account within the European Union or third countries that are currently considered as having equivalent AML/CFT systems to the EU.
For the companies it is required to have a valid bank account within the European Union or third countries that are currently considered as having equivalent AML/CFT systems to the EU. Their data and funds origin, according to the Anti-money laundering and Financial Terrorism policies and regulations mentioned above. (AML/CFT).

How can funds be deposited to the investor account at Iuvo?

You can make a deposit to your iuvo account by some of the following methods:
– a bank transfer from your bank account with a payment order or by using your online banking;
– at the cash register of a bank;
– a transfer, made by using electronic money services such as: Paysera, ePay, Transferwise, Currency Cloud, Revolut, etc.
Please, bare in mind that there is no minimum or maximum amount of money you can deposit.

You can find our bank details on you account–>”Deposit“. Please, follow the instructions.

You can invest in three different currencies at the same time: BGN, EUR, and RON. It is necessary to make a bank transfer to the corresponding account.
Please, bare in mind that right now Iuvo do not offer currency conversion.

You have two investing options in iuvo – manual and automatic.
The manual investing includes: credit details review; choosing which particular credit to invest in, adding to your Cart and confirming the investments.
The Auto-Investing option includes: creating a portfolio, where you can apply certain filters. After you start Auto-Investing, the software invests in loans that fit your criteria.

The minimum amount you can invest in the Primary Market is as follows: 10 BGN, 10 EUR, 25 RON. There is no minimum amount for investing on the Secondary Market.

Iuvo fees

The platform does not have any charges for investing, making a deposit, or withdrawal. The only charge that may apply is when you sell a loan on the Secondary Market – 1% of the amount.
Please, bare in mind that this does not include any charges that your bank may apply.

The credit rate scores

One of the methods by which the originators control the risk, is using a credit rate score system. This is a procedure of classifying every credit in different categories, based on the default probability (the probability the borrower to stop paying off their loan).
All loans in iuvo have a score rate. This is needed so the credits from different originators can be compared.

The credit score rates in iuvo are:
A 0 – 4% default probability
B 4 – 10% default probability
C 10 – 18% default probability
D 18 – 25% default probability
E 25 – 35% default probability
HR above 35% default probability

All loans listed on the platform have the so called buy-back guarantee. This means that the Originator is obligated to buy back the credit from the investor at its nominal value in case the borrower stops paying off their loan. The Originator will restore the investment back to your iuvo account.
The buy-back guarantee activates on the 61-st day, counted from the date of the first unpaid installment.

Withdrawals

In order to request a withdrawal, you need to verify your identity and address. You can do that by applying the following documents:
*for Individuals
– ID Card – both sides of your ID Card or Passport;
– current utility bill, addressed to you or
– official document from the Authorities or
– other documents, confirming your address;
*for Companies
– ID Card of the account’s owner – both sides or Passport;
– A current status certificate or Commercial register extract;
– A document from the Authorities that is addressed to the company (confirming the address);

You can attach your documents through the platform in the “Documents” section.

Regarding the Anti-money laundering policy of the European Union, you need to verify your address in order to withdraw money from your iuvo account.
You can request a withdrawal at any given time from the “Withdraw” button. You can only withdraw the funds that are not invested at the moment.

You can cancel your withdrawal request from “Withdraw” button -> “Withdraw History.

All withdrawals from the platform are processed within two working days.
*Please, bare in mind that the bank transfer can take more time, depending on the bank’s conditions.

You can only transfer funds to a bank account that you have deposited from. If you have transfered money from more than one bank account, you will have the opportunity to choose which one to transfer the funds to.

 

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2% Swaper Promotion Campaign for Investors

Swaper logo

Swaper extends Promotional Offer for Investors to join Swaper P2P marketplace!

The new investors will earn 2% higher returns on all investments made during the first three months.

What’s in it for new Investors:

New investor who signs up by using this link gets a Swaper Loyalty Bonus (+2%) on all investments made during the first three months. This means instead of a 12% profit, Investors will earn 14%!

The bonus will be activated after first successful payment. In case Investor Account value will stay under 5k after three months, the bonus will be revoked.

Here’s how to get started as a new Investor:

The Promotional Offer is valid from 2nd of October to 2nd of November 2019.

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Wisefund crowdlending platform overview

Wisefund is a platform where individual lenders meet businesses looking for loans, bringing business lending to more affordable level while providing opportunities to individuals letting their free funds bring stable and above the average annular returns. Each project listed (and coming up to be listed) is thoroughly checked, with very comprehensive due diligence done to ensure each borrower is a guaranteed high return opportunity for investors.

Wisefund has established a cooperation with Nord Capital Markets where the latter provides services of business analysis of the businesses willing to raise capital on the Wisefund platform. Nord Capital Markets – a stock company founded in 2009 – is a privately held company focusing on global financial markets and financial analysis.

Nord Capital Markets has over 10 years of experience in analyzing global and local companies in respect to their creditworthiness. In assessing the financial stability of companies, Nord Capital Markets utilizes classical financial analysis toolkit – analysis of the borrowers’ financial statements and projections. At the same time firm’s analysts take into account local peculiarities and economic realities when assessing the creditworthiness of the companies.

If you invest for the first time at Wisefund don’t forget that you can get  a 0.5% cashback bonus for the investments made in the first 180 days.

Who can invest at Wisefund?

Any person can be a lender on Wisefund as long as one meets the following criteria:
a) be over 18
b) have valid passport or ID card
c) has a bank account in financial institution registered and licenced in a country of the European Union (EU) and European Economic Area (EEA) and Switzerland
d) are a resident of a country from the European Union (EU) and European Economic Area (EEA) and Switzerland

How it works?

First, register as a lender with Wisefund. Second, verify your identity. Once that’s done, transfer funds into your Wisefund lender account. Once these steps are completed, you’ll be able to loan to available opportunities immediately.

It’s quite simple to lend on Wisefund:
Search our ‘Open projects’ and choose the businesses to which you’d be willing to lend (based on interest rate, minimal investment, loan term and/or project description), then simply select an amount to lend and you’re done. You’ll receive interest payments as per schedule, and the principal will be repaid with the last interest payment accrued.
The funds will be transferred from your Wisefund lender account to the Wisefund account of the borrower. When the loan is issued to the borrower, you’ll hold a loan contract. This entitles you to monthly repayments at the interest rate that accompanied the loan request.

Wisefund don’t charge lenders any fees. Wisefund earns commissions from borrowers for each successfully funded loan.

What happens if a loan does not meet its target?

As soon as it opens for loan requests, each lending opportunity has its target sum and timespan detailed on the Loan details of each loan (funding target term may be extended with the approval of the borrower and current active investors) to get fully funded. In cases when the open loan request doesn’t reach its target by the funding deadline, Wisefund credits the Lender’s account with the invested principal, and no interest is paid. Interest is paid only for fully funded Loan opportunities.

The buy-back guarantee

Borrowers who have defaulted will be pursued with debt collection. But for the safety of our investors, we’ve entered into an agreement with a third party investor who guarantees to buy out any loan that is late for more than 60 days at the rate of remaining principal, and will pursue debt recovery actions themselves. The investor bears no responsibility on defaulted loans which are covered by the buy-back guarantee. The borrower will have to meet all the costs, as investors aren’t liable for any additional expenses. Currently all loan opportunities listed are covered by the buy-back guarantee.

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BitOfProperty peer-to-peer crowdinvesting platform overview

BitOfProperty is a blockchain based real estate crowdinvestment platform,making property investing affordable and increasing liquidity of the investments. The company is headquartered in Singapore and has a subsidiary inEstonia.

BitOfProperty is on a mission to bring real estate investing closer to people. Due to typically high minimuminvestments, many people are unable to personally invest in real estate as an asset class. Additionally,real-estate can often take more personal involvement through the cycle of renting out a property.BitOfPropety’s goal is to provide everyone the ability to invest in real estate.

If you invest for the first time at BitOfProperty don’t forget that you can get € 10 signup bonus to make your first investment, more details HERE.

All assets available on BitOfProperty are carefully screened and evaluated internally prior to listing on the platform. During the evaluation, the team of BitOfProperty will assess properties from a technical, financial and also legal point of view. When the criterias are met and support the property to be listed, the investment term period is set and the property is made available on the platform.

Investing

In order to make investments on BitOfProperty platform you need to verify your profile and add funds to your account. If your verification has been approved by the platform, you can go and explore properties listed and start making investments.

All properties are available for browsing on the Properties page. Clicking on a specific property will take you to an individual property page where you can find more detailed information, such as pictures and description, monthly distributions, capital allocation and all other supporting documents for the investment opportunity. BitOfProperty wants to ensure that you have all the necessary information to make an informed decision.

If you decide to invest in a property, make sure you have verified your profile. After successful verification, follow these steps:

1) Top up your Wallet using a wire transfer with at least the amount you would like to invest. Instructions for adding funds can be found in the Wallet page.

2) Invest either in an ongoing crowdfunding campaign or buy available shares the investors are selling from other properties.

There is no minimum investment amount set, as this may vary depending on the lowest share prices available on the market. Also, there is no cap on the maximum investment amount this is dependent on the maximum amount of shares available on the platform.

Before making an investment, you need to transfer money to your account on the platform. Once the money is on your platform account, you can choose a property to invest in. For the crowdfunding deals, the amount invested will be reserved at first and when the total investment amount is reached, the amount will be transferred to SPVs bank account by BitOfProperty and the property acquisition will be carried out. For the over-the-counter marketplace deals, where you buy shares from other investors, you would have to fill out a Buy Order. Before that, make sure you have sufficient funds in your Wallet. Once a matching sell order has been found, BitOfProperty will contact you directly to complete the transaction.

If the investment amount of the campaign is not reached, the money is sent back to your wallet and you can use it to invest in other investment opportunities or transfer it back to your personal bank account.

When you make an investment, your share will be calculated by dividing the amount you invested with total investment amount of the deal. Both monthly rental income and capital gain will be distributed according to the share you own in the property. Rental income will be distributed every month, whereas, capital gain will be distributed in the end of the investment term. If you sell your share within the investment period, you will receive capital appreciation on your share earlier, assuming that you were able to sell the share with a profit.

Investment term for the opportunities is usually between 3-5 years. The investment term can be shorter or longer, depending on the situation of the real estate market.

Fees

There are no transaction fees for the investors.

Investors are only charged with the Management Fee of 10% from the rental income. In case there is a vacancy period with no rental income, the Management Fee will not be charged.

 

 

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Monethera peer-to-peer crowdinvesting platform overview

Monethera, based in Tallinn, Estonia, started as a private investment fund in 2017, and as of now has become one of the leading platforms in the industry of “Finance 2.0”, which offers investors from all over the world high-level investment opportunities via crowdinvesting marketplace.

With Monethera it is very easy to become an investor. All you need is to register on the website and choose one or several investment projects online. Monethera platform makes it easy and comfortable to start investing in high- tech, energy, real estate or other projects with help of background information, situational analysis, development prospects, market overview, repayment schedules and other important data attached to each project by the Monethera team.

If you invest for the first time at Monethera don’t forget that you can get € 5 and a 0.5% cashback bonus for the investments made in the first 180 days, more details HERE.

With start of the Age of Information and growing power of crowd-investing online marketplaces such as Monethera, investing has become easy and painless. You don’t have to be a professional in financial sphere or have a significant amount of money to make profitable investments in various projects. To diversify your investment portfolio, you’ll need as much as 100 EUR as a minimum investment.

Who is eligible to invest?

Private investors can use platform and start investing without any verification, but in order to withdraw profits they have to provide documents and undergo verification process.

Monethera is more focused on European projects, that is why all the investment accounts are offered in EUR only. Payment in other currencies will undergo conversion to EUR at our bank’s rate. Please note that investors can only make payments from their own private bank accounts.

Investing

Investing at Monethera is very simple: create an account, choose one of the selected investment opportunities and the amount of money you want to invest. The entire investment process takes place online and requires just a few minutes of your time. According to established schedule, you will be receiving fixed interest payments. The minimum investment is just 1 EUR per project.

At Monethera you can create diversified investment portfolio without having to invest large amount of money. All you need is as little as 1 EUR invested in a single project to start your investment journey. Later on you will be able to reinvest your income from successful investments in other projects to make your portfolio more diversified.

The minimum funding deposit is 100 EUR.

Investors who use platforms with shared IBANs (like Transferwise and some others) must send Monethera a payment proof in order of being identified.

As of now, credit cards as a mean of adding funds to investment account are not supported by Monethera. It is also not possible to use Western Union, crypto-currency or other ways of money transfer. Monethera doesn’t accept any third party funds. All funds must come from the bank accounts of registered investors.

How does the buyback guarantee work?

The buyback guarantee means that any Monethera participant can reclaim invested money from any of his or her invested projects and instantly receive it. Cost of performing a buyback is shown in the project description.
It should be noted that in some cases the cost of buyback makes a considerable percentage of the invested assets.
All interest payments transferred to participant’s investment account prior to buyback operation remain in possession of the investor.

 

 

 

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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 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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