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Interview with BOLDYIELD crowdfunding platform

How would you describe BOLDYIELD platform?

Boldyield was established in 2019 and is a peer-to-business crowdfunding platform with focus on real estate and cash-flow business financing. Boldyield brings together developers and investors by helping businesses to reach funding and investors to grow wealth.

Majority of Boldyield projects are for real-estate development and are targeted on sustainability, especially green energy. Interest rate depends on the risk level of the project – we accept more stable and predictable businesses, thus giving an opportunity to our investors to earn 6 – 12% p.a.

Experts of Realto acts as our advisors where necessary. Realto is one of the largest real estate developers and managers in Latvia with more than 20 years of experience in real estate, business, legal and finance matters.

Welcome to watch an introductory video about Boldyield:

What are the biggest challenges in this first year?

One of the challenges we face is to attract attention from investors that suffered by P2B scam platforms during last 2 years. Several past and current events have left a major stamp on crowdfunding industry, but we are confident that the new Crowdfunding regulation (EU Regulation No 2020/1503) is not coming too late and would act as a lifejacket for crowdfunding – create strict and harmonized rules for crowdfunding, thus creating it as a safe place for investors, protect investments and build overall trust in crowdfunding.

We have experienced difficulties to attract projects that would pass our evaluation, are safe and at the same time are ready to pay interest that is attractive to investors. In the process of evaluation, we have had several projects that (1) would pass our evaluation but are ready to pay interest only up to 6%, or (2) they do not qualify and are too risky for our platform.

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What are the three main advantages for investors?

  • 100 EUR minimum investment amount: Investors can start investing in the projects on Boldyield platform starting 100 EUR;
  • Instant interest for all projects: Meaning that investor starts earning money from the first day of investment, and receives the first payout just at a time when the project gets funded in the Boldyield platform;
  • Secured investor funds: Transfer of funds to the borrower takes place only after we have made sure that investor money is secured with a collateral;

Is the technical platform self-developed or using white label solution?

The platform is 100% self-developed.

What ROI can investors expect?

If the funds of investor are invested in projects all the time (i.e., money is working), ROI of funds invested in Boldyield platform should exceed 9%. Achieved ROI depend on each investor individually – if the funds are not invested, ROI will decrease accordingly.

How does the platform evaluate borrowers?

Each project goes through in-depth financial and legal due diligence evaluation and have to pass Boldyield Risk scoring procedure before it is published on Boldyield platform. There are more than 15 criteria in the Risk scoring in three categories: financial health of the company, business management (and management experience) and company’s history. After evaluation the project gets an Overall risk rating from A-D, where A is the group of projects with the lowest risk. Projects with a risk rating D are not published on the platform.

Are you open to international investors?

Currently, we are open for investors within EEA.

Is your platform regulated?

At the moment crowdfunding and operations of Boldyield are not a subject to any specific law which require for us to get licensed.

On 10 November 2021 EU Regulation No 2020/1503 on European crowdfunding service providers for businesses (ECSP Regulation) will come into force and harmonize requirements for crowdfunding service providers across EU.

Boldyield is following most of requirements that ECSP Regulation introduces and we are now in the application process to get a Crowdfunding license once the ECSP Regulation will come into force.

How do you see BOLDYIELD platform in 5 years?

We believe that for the next 5 – 10 years alternative financing will become more and more popular (could even beat traditional financing) by providing services that matches the needs of businesses and by offering higher yields for investments. There is a trend in the market proving investors are searching to diversify their investments in instruments that have small risk and businesses are reaching for cheaper funding and co-funding to traditional bank loans that could be obtained fast. Because alternative financing is becoming more popular and crowdfunding is getting regulated (creating safe environment for investors), the aim of Boldyield for the next 5 – 10 years is to be part of supporting alternative financing and crowdfunding becoming No 1 fund originator for businesses.

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We are for less risk, but stable returns.

JOIN US AND get EUR 50 cashback added to your Boldyield user account, if you invest EUR 500 or more by 30 September 2021.

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Interview with LEORM crowdfunding platform

How would you describe LEORM platform?

LEORM crowdfunding platform is a platform for investments in property backed loans in real estate high quality development projects, and for acquiring shares in buy-to-let properties, where investors can get stable returns by investing from as little as 100 Eur.

What are the biggest challenges in this first year?

There are a lot. The biggest of them is gaining trust of individual investors. Despite the fact that we had success in so-called “club” financing attracting for projects we worked with (in total, for 64 projects – this track record is mirrored on our platform since we wanted to stress out our previous experience), the work with individual investors differs significantly. Usually, there is a completely other mode of communication with club investors and the information volume disclosed to them is much larger, than the information available publicly, on the platform. Furthermore, the communication happens more personally. This is the approach we are assaying to keep for individual investors, as well.

What are the three main advantages for investors?

Safety, profitability, stability. On the LEORM crowdfunding platform, investors could expect investment opportunities in loans for high-quality projects backed by property and buy-to-let property deals, which are not widely offered by Baltic platforms. We should highlight that LEORM is not a platform for risky projects. We are for those investors who wish to ensure for themselves stable income by investing in property at it various development stages. 

Is the technical platform self-developed or using white label solution?

LEORM platform is fully self-developed.

What ROI can investors expect?

Our historical average return on investment is 12.75%. Meanwhile, we have faced the quit natural situation when the stronger a project’s originator is (in the sense of collateral and ability to repay the loan), the higher are its chances to get traditional (bank) financing which is cheaper. Thus, we need to balance between the quality of the projects and the interest rates offered to our investors. To date, we prefer to have less risky and better quality projects for reasonable interest rates, which are from 8 to 11 percent. By this, we address those projects’ originators which potentially could obtain bank financing for their projects on later development stages, ensuring no-stress stable income for our investors. Besides, we are launching a new category of projects – buy-to-let, which assumes that investors acquire shares in properties, which generate income for investors by letting them. This will ensure stable income (yield) for the investors of the properties, which varies from 6 to 9 percent (depends on the acquisition price of a property). These are the projects for those investors who prefer stable income with minimum investment risk. 

How does Leorm platform evaluate borrowers?

We conduct a thorough legal and financial due diligence check before projects onboarding. The project study is based on the 6C model applied by various banks, which includes studies of Character, Capacity, Cash, Collateral, Conditions, and Control. The use of the evaluation method allows us to estimate a borrower’s ability to repay a loan, as it includes qualitative factors, not only quantitative, since our main priority is investors’ funds safety. More about the projects’ evaluation process

Are you open to international investors?

For now, we are open for all investors which have their bank or payment institution’s account in the EEA. Meanwhile, we do not accept investors from the USA. More about registration requirements

Is your platform regulated?

Crowdfunding itself, as a way of funds’ collecting, is not a subject to any specific law in Estonia, for the time being. Licensing requirements depend on the platform’s business model, namely, who is the addressee of the collected financing. When a platform issues consumer credits for private persons, for instance, it should be authorised by the Finance Supervisory Authority (FSA) of Estonia, and must have a relevant license for such kind of activity. In case when a platform’s business model assumes to finance legal entities solely, (our business model), it should be authorised by Estonian Finance Intelligence Unit (FIU). Therefore, we are authorised for acting as a financial institution by obtaining the license from the FIU. Thus, we can say that we are regulated in the form which is required by the state.

How do you see LEORM platform in 5 years?

The future of any crowdfunding platform depends on the financing conjuncture on the whole. Thus, we can say that we have our strategic plans for the upcoming years regarding the Baltic projects, mostly, but the plans are rather flexible to match upcoming changes of financial markets themselves.

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Estateguru review. Pros and Cons

Estateguru review. Estateguru is the leading European marketplace for short-term, property-backed loans.

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus EstateGuru was born.

Estateguru key metrics

Average return: UP to 12%

Investors: 79000+

Amount invested: 340M+ EUR

Regulated: Yes (has a crowdfunding licence in Lithuania, Germany and Finnland)

Secondary market: Yes

Auto invest: Yes

Estateguru PROS

  • High returns up to 11%
  • Easy to use
  • Autoinvest
  • Good track record
  • Regulated

Estateguru CONS

  • Real estate market risk

My personal review

Estateguru crowdfunding platform is a solid platform from Estonia which has issued loans worth of more than 340M eur. More than 79000 investors trust Estateguru. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 12%. It is one of the biggest real estate crowdfunding platform’s in Europe.

NEXT post. P2P lending in Baltics. TOP 3 fast growing platforms.

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P2P lending in Baltics. TOP 3 fast growing platforms

P2P lending in Baltics. Early on, the P2P lending system was seen as offering credit access to people who would be spurned by conventional institutions or a way to consolidate student loan debt at a more favorable interest rate. In recent years, however, P2P lending sites have expanded their reach. Most now target consumers who want to pay off credit card debt at a lower interest rate. Home improvement loans and auto financing are also now available at P2P lending sites.

The financial world has witnessed the launch of many innovative products and services in recent years. Well-known examples include Bitcoin and other so-called cryptocurrencies, which many view as a substitute for traditional currencies; digital payment services that make taking care of bills and sending funds to family and friends a lot easier than it used to be; and online financial portals that allow people to access and monitor bank and other accounts from one location.

However, few of these innovations have proved to be the game-changer that peer-to-peer lending has been. In less than a decade, P2P lending has become a mainstream financial resource helping to match those who are seeking to borrow money for various reasons with those who are looking to earn more on their money. In fact, the global peer-to-peer market is expected to grow at a compound annual rate of nearly 50% through 2024, according to Transparency Market Research.

P2P lending in Baltics. TOP 3 fast growing platforms.

 Kviku is one of the fastest-growing Fintech lending groups globally. Kviku FInance positions as B2B2C credit platform which provides instant lending solutions to customers all over the world. Kviku operating companies are working under strict supervision of the local regulators including Central Bank (Russia, Kazakhstan), Securities and Exchange Commission (Philippines), ASNEF (Spain).

Kviku Finance platform key metrics

Average return: UP to 12%

Investors: 5000+

Amount invested: 100M+ EUR

Regulated: No

Autoinvest: Yes

Moncera is founded by Dmitri and Aleksei. Both are ambitious and experienced in the financial field. Combining Dmitri’s financial knowledges with Aleksei’s expertise in infotechnology make Moncera a successful investing platform. Moncera has a partnership with Placet Group. It has 15 years of experience in the financial field. The company provides variety of consumer loans as well as business loans. Placet Group operates in 3 markets under 7 brands: smsmoney.eesmsraha.ee and laen.ee in Estonia; smspinigai.lt and paskolos.lt in Lithuania; credit.pl and sloan.pl in Poland.

Moncera’s key metrics

Average return: UP to %12

Investors: 1000+

Amount invested: 6M+ EUR

Regulated: No

Autoinvest: Yes

Profitus is real estate investment platform. The idea of PROFITUS developed slowly. When working with real estate buyers and sellers and developing real estate projects, more and more people were asking about the possibility of investing their money in real estate. And Profitus has in mind not necessarily large sums of money. To keep money in banks is not a solution because nowadays banks do not pay interest, and investment in shares, with no specific knowledge of this area, is very risky. Yet, real estate is a tangible thing, it protects your money from inflations – in short, real estate is a solution you were looking for. And one more thing – imagine, your real estate constantly generates additional income. Nothing can be better! However, to be able to buy an apartment or commercial premises, renting them and getting passive income requires a substantial initial contribution.

Profitus platform key metrics

Expected annual return: UP to 13%

Investors: 2000+

Amount invested: 25M+ EUR

Regulated: Yes

Autoinvest: No

Secondary market: No

NEXT post: TWINO review. Pros and Cons

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Peer to peer lending in the Baltic States. TOP3 leading platforms

Peer to peer lending in the Baltic States.

P2P lending websites connect borrowers directly to investors. Each website sets the rates and the terms and enables the transaction. Most sites have a wide range of interest rates based on the creditworthiness of the applicant.

First, an investor opens an account with the site and deposits a sum of money to be dispersed in loans. The loan applicant posts a financial profile that is assigned a risk category that determines the interest rate the applicant will pay. The loan applicant can review offers and accept one. (Some applicants break up their requests into chunks and accept multiple offers.) The money transfer and the monthly payments are handled through the platform. The process can be entirely automated, or lenders and borrowers can choose to haggle.

Peer to peer lending in Baltic States. TOP 3 platforms

Twino platform has disrupted the traditional investment services industry by opening this market to the everyday person, all while providing the same level of safety you can expect from the incumbent banks and brokerages. While previously limited to the prosperous few, the peer-to-peer (P2P) lending platform, as well as other services such as online consumer and business loans, is what levels the playing field and increases accessibility to the previously cautious financial industry.

TWINO key metrics

Average return: UP to 12%

Investors: 22000+

Amount invested: 1B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Mintos platform was founded in 2015 and has since become the largest marketplace of its kind. On Mintos global marketplace, you can invest in loans, manage your risk with various tools, and earn attractive returns. Take a step towards financial freedom with this investment opportunity that  more than 394 300 investors around the globe

Mintos key metrics

Average return: UP to 12%

Investors: 394000+

Amount invested: 6.2B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Estateguru is the leading European marketplace for short-term, property-backed loans.

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus EstateGuru was born.

Estateguru key metrics

Average return: UP to 12%

Investors: 79000+

Amount invested: 0.33B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Next post: Peer to peer lending in Lithuania

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Twino review. Pros and Cons

TWINO review. Twino platform has disrupted the traditional investment services industry by opening this market to the everyday person, all while providing the same level of safety you can expect from the incumbent banks and brokerages. While previously limited to the prosperous few, the peer-to-peer (P2P) lending platform, as well as other services such as online consumer and business loans, is what levels the playing field and increases accessibility to the previously cautious financial industry.

TWINO key metrics

Average return: UP to 12%

Investors: 22000+

Amount invested: 1B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

TWINO PROS

  • High returns up to 1č%
  • Easy to use
  • Autoinvest
  • Good track record

Twino CONS

  • Not regulated

My personal review

Twino platform is a solid platform from Latvia which has issued loans worth of more than 1B eur. More than 22000 investors trust TWINO. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 12%. It is one of the biggest crowdfunding platform’s in Europe.

NEXT POST: Flender review. Pros and Cons

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Crowdestate review. Pros and Cons

Crowdestate review. Crowdestate Europe’s leading real estate crowdfunding platform.

Founded in 2014, Crowdestate is the leading real estate crowdfunding platform in Europe with 16.31% annual return rate, 52584 active users from 125 countries and 291 investment opportunities.

Key metrics of Crowdestate

Average return: UP to 16.31%

Investors: 52500+

Amount invested: 98M+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Crowdestate PROS

  • High returns up to 17%
  • Easy to use
  • Autoinvest
  • Good track record

Crowdestate CONS

  • Not regulated

My personal review

Crowdestate platform is a solid platform from Estonia which has issued loans worth of more than 98M eur. More than 52500 investors trust Crowdestate. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 17%. It is one of the biggest crowdfunding platform’s in Estonia at the moment.

Next post: Flender review. Pros and Cons

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Flender review. Pros and Cons

Flender review. Flender 0ffers fast decisions, competitive rates and terms up to 5 years. And with loans between €15,000 and €300,000 we can help you with:

  • Launching a new product
  • Business expansion
  • Project financing
  • Working capital
  • Marketing

Advantages of Finance with Flender

For Borrowers

  • Simple transparent process
  • Decisions within 24 hours
  • No paperwork
  • Flexible terms
  • Great rates

For Investors

  • Rigorous credit checking process
  • Auto-invest using AutoFlend
  • Excellent rates of return
  • Diversified investments
  • No fees

Key metrics of Flender

Average return: UP to 10%

Investors: 3000+

Amount invested: 15M+ EUR

Regulated: No

Secondary market: No

Auto invest: Yes

Flender PROS

  • High returns up to 10%
  • Easy to use
  • Autoinvest
  • Possibility to deposit fund via debit card

Flender CONS

  • Not regulated

My personal review

Flender’s platform is a solid platform from Ireland which has issued loans worth of more than 15M eur. More than 3000 investors trust Flender. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 10%. It is one of the biggest crowdfunding platform’s in Ireland at the moment. However, there are not many projects to invest.

Next post: Crowdestor review. Pros and Cons

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Crowdestor review. Pros and Cons

Crowdestor review. Crowdestor is an online crowdfunding platform where businesses and investors meet. Crowdestor accelerates the boost of investors’ financial well-being and help growth-focused businesses to develop and promote a breakthrough.

Crowdestor key metrics

Average return: UP to 28%

Investors: 21200+

Amount invested: 40M+ EUR

Regulated: No

Secondary market: No

Crowdestor PROS

  • High returns up to 28%
  • Easy to use

Crowdestor CONS

  • Not regulated
  • Decent amount of late loans

My personal review

Crowdestor platform is a solid platform from Estonia which has issued loans worth of more than 40M eur. More than 21200 investors trust Crowdestor. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 28%. It is one of the biggest crowdfunding platform’s in Estonia at the moment. However, there is a decent amount of late projects.

NEXT POST. Rebuilding Society review. Pros and Cons

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Rebuilding Society review. Pros and Cons

Rebuilding Society review. Rebuilding Society is born from the attitude that people want transparency, trust and purpose from financial services. An increasing number of people care about how their money is used in society. Since the crash, fewer people are prepared to invest in blind funds and greater accountability is demanded of discretionary fund managers. Many people are taking better control of finance into their own hands.

Rebuilding Society key metrics

Average return: UP to 12%

Investors: 2000+

Amount invested: 18M+ pounds

Regulated: Yes

Secondary market: Yes

Rebuilding Society PROS

  • High returns up to 11%
  • Secondary market
  • Easy to use
  • Regulated

Reinvest24 CONS

  • Can only invest in pounds

My personal review

Rebuilding Society platform is a solid platform from United Kingdom which has issued loans worth of more than 18M pounds. More than 2000 investors trust Rebuilding Society. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 11%.

Next post: Reinvest24 review. Pros and Cons