World of P2P investing #1 – types of P2P platforms

When we talk about P2P, we tend to throw together platforms based on different principles and compare them with each other, whether in terms of profitability, payment behaviour of borrowers, etc. Therefore, in the upcoming series of articles we would like to offer our insight into how we perceive and differentiate the whole P2P universe.[…]

P2Preport: 2Q2022 – detailed analysis of our P2P investments portfolio

Half of 2022 is behind us, so this time without any longer introductions, let’s take a look at the summary of my P2P investments over the last 3 months. Mintos By the end of June, the last of the loans offered were withdrawn and from July it is only possible to invest in Notes. Mintos[…]

LendSecured/Lande: review of a P2P platform focused on agricultural lending

P2P platforms that offer collateralised lending mostly operate in the real-estate sector. The purpose of their business is often to finance development projects or renovations through the investor community. Latvia’s LendSecured, however, is going its own way, offering broader diversification for investor P2P portfolios in the form of non-traditional agricultural loans. For the record, we[…]

P2Preport: 1Q2022 – detailed analysis of our P2P investments portfolio

The New Year – despite all the wishes and covid’s releases – has not started happily at all and there can be no thought of any worry-free investing. The Kazakh riots in January were a small prelude. There, however, there was a very quick intervention by Russian troops and an almost immediate calming of the[…]

P2Preport: 4Q2021 – detailed analysis of our P2P investments portfolio

It was already looking like a smooth ride throughout whole 2021. Unfortunately, a few days before Christmas, the problems of Turkish provider Wowwo on Mintos escalated. What the loss will be cannot be estimated yet, but it is sure now 2021 will not be passed with flying colours. That’s also why I’m glad that I[…]

Esketit: review of the P2P investment platform with Creamfinance loans

Esketit is a newly launched P2P platform from the owners of established consumer lender Creamfinance. It offers a return of up to 14% per annum and loans for investment issued, for example, in the Czech Republic. In the following review, we describe how the young platform stands up to the established competition, what impressed us[…]

P2Preport: 3Q2021 – detailed analysis of our P2P portfolio over the past quarter

Another quarter behind us and I am happy to say that I managed to avoid problems with loan originators defaults or even entire platforms within my P2P portfolio. The summer months for me were all about maximizing my time outdoors. This favours platforms where I haven’t had to spend much time on administration, but auto-investment[…]

Esketit: Interview with CEO Vitālijs Zalovs

P2P platforms emerging as a proprietary solution for another channel of their financing are being used by more and more non-bank lenders. One of the latest ones is Esketit. It was created for the needs of entrepreneurs Davis Barons and Matisse Ansviesulis, whose main activities include the P2P provider Cream Finance Holding Ltd. To learn[…] a review of a fully automated P2P investment platform

In August 2017, I decided to try one of the new P2P investment platforms – Robocash. However, I withdrew my investments in October of the same year – after not agreeing to the new terms and conditions. What finally convinced me to return to the platform this year? In what ways has Robocash moved forward[…]

Peerberry: review of the growing P2P alternative investment platform

Peerberry has grown from an inconspicuous offshoot of Mintos founded by one non-bank lender to become the second largest P2P marketplace in continental Europe. What’s behind this and is it worth investing on the platform? Peerberry was founded in 2017 by Aventus Group, which was previously one of the providers on Mintos and decided to[…]

Afranga: review of young and fast growing P2P investment platform

One of the youngest P2P platforms on the market is the Bulgarian Afranga. We have registered ourselves shortly after its launch and after about half a year of experience, we definitely don’t regret it. The platform relies on the simplicity of the investment process and attracts seasoned P2P savants for diversification purposes, as well as[…]

Reinvest24: Interview with Tanel Orro – CEO of progressive platform

Another of the platforms that we are trying to introduce to you through a series of interviews is Reinvest24. We interviewed its CEO – Tanel Orro. He seems to be a man in the right place, because apart from his passion for the whole business, he showed that he has a huge overview of the[…]

EvoEstate: Interview with real estate investment marketplace CEO – Audrius Višniauskas

As EvoEstate has intrigued us with its unique approach of aggregating offers from a number of P2P/P2B platforms, we have decided to follow up on our recent review with more information. We reached out directly to EvoEstate’s CEO – Audrius Višniauskas – and he was happy to accommodate our request for an interview. Audrius, thank[…]

EvoEstate: review of an European P2P offers aggregator

My approximately five-year evolution in P2P investing could be summarized as follows. The first 3 years of utter enthusiasm, zero diversification into other assets and testing dozens of new platforms. The next period was much more realistic and I rather reduced the number of P2P portals. I was more skeptical about new players on the[…]

Mintos: review of Europe’s largest P2P marketplace after 3.5 years of experience

Just a year ago at this time, Mintos was being hailed and investors were excited about the “guaranteed” double-digit returns. The year 2020 brought a sobering change, many investors left and some soured on Mintos (or P2P lending in general). What is an objective view of the P2P investment leader? Is it worth investing on[…]

Lendermarket [interview]: Ambitious P2P platform aims to grow significantly

Lendermarket, P2P platform backed up by strong Creditstar Group, quickly gains its market share in P2P lending. We are active investors on the platform so we were excited when the opportunity to interview Omayra Roig, Lendermarket’s Head of Operations, emerged. Omayra, your position title is Business Manager, could you tell us more about yourself and[…]

Tool – Mintos lending companies comparison table

We regularly spend some time by comparing different inputs and evaluating which provider to invest at the Mintos platform. Going through the data from different sources has became quite time consuming activity and since we don’t like repetitive uneffective doings, we have created a table with the most important inputs. The table was originally meant[…]

Lendermarket: Creditstar’s P2P platform with yield up to 16,6% p.a.

Creditstar Group, a well-known lending provider from Mintos, decided to launch its own platform in 2019. Its main goal is to reduce the group’s cost of funds received from P2P investors. The Lendermarket platform is now well established and we can look deeper whether it pays off to open an investor account here. Creditstar Group[…]

Afranga: Interview with COO Yonko Chuklev

Afranga P2P lending platform launched as a bright star and gained popularity amongst investors pretty fast. We have registered and started investing there by ourselves and so far we like what we see. To widen our information about the platform, we have decided to contact its COO Yonko Chuklev with interview inquiry. He responded promptly[…]

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