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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

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Reinvest24 review. Pros and Cons

Reinvest24 review. Reinvest24 team is working with the real-estate market since 2005 and during this time were involved with project development, investments in real-estate, property sales and maintenance. Together they make up decades of professional experience in finance, real estate and technology. Despite being founded in 2017 and launching Renvest24 platform in 2018, their team has been working on high profile investments for many years.

When it comes to real-estate, Reinvest24 has seasoned professionals from Tina Kinnisvarabüroo guiding in all our property development projects and everyday property management. Reinvest24 trusted team members have successfully completed various projects, including commercial and residential developments in Tallinn and Riga. They know exactly how to reduce risks and costs in order to receive the best returns. All properties are managed with the utmost care, whilst finding new, competitive projects with great potential.

Reinvest24 key metrics

Average return: UP to 14.8%

Investors: 8000+

Amount invested: 10M+ EUR

Regulated: No

Secondary market: Yes

Reinvest PROS

  • High returns up to 15%
  • Secondary market
  • Easy to use

Reinvest24 CONS

  • Not regulated

My personal review

Reinvest24 platform is a solid platform from Estonia which has issued loans worth of more than 10M eur. More than 8000 investors trust Reinvest24. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 15%. It is one of the biggest real estate crowdfunding platform’s in Estonia at the moment.

NEXT post: Bulkestate reviews. Pros and Cons

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Bulkestate review. Pros and Cons

Bulkestate review. Bulkestate is a real estate crowdfunding platform whose main purpose is to finance development and renovation projects, as well as to organize group purchases that allow buyers to purchase smaller units of real estate (e.g. one apartment) at wholesale prices (at the selling price of the entire building) . The backbone of their team is made up of experts in the field of real estate and the organization of the sales process, which is another important factor, since Bulkestate has practical experience in the comprehensive assessment and approval process of investment projects. Moreover, Bulkestate has the experience and qualifications to take on the management of projects that did not go according to plan and do not give the promised result.

Bulkestate key metrics

Average return: UP to 15%

Investors: 10000+

Amount invested: 20M+ EUR

Regulated: No

Autoinvest: Yes

Bulkestate PROS

  • High returns up to 15%
  • Autoinvest
  • Easy to use

Bulkestate CONS

  • Not many investments offers
  • Not regulated

My personal review

Bulkestate platform is a solid platform from Latvia which has issued loans worth of more than 20M eur. More than 10000 investors trust Bulkestate. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 15%. It is the biggest real estate crowdfunding platform in Latvia at the moment.

Next post: NEO Finance review. Pros and Cons

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NEO Finance review. Pros and Cons

NEO Finance review. NEO Finance first and, so far, the only Lithuanian P2P platform operator to hold the unlimited EMI licence which allows operations in entire European Union. This ensures safety of clients’ money, as it is kept in an account separate from that of the company. In addition, the company is constantly supervised by the Bank of Lithuania. When agreements with borrowers are terminated, investors can sell their investments for 50-80% of their face value to NEO Finance. Also, a unique service of Provision Fund allows investors to reduce their investment risk: if a loan defaults, NEO Finance guarantees to repay investors with all the company assets as collateral.

NEO FINANCE key metrics

Average return: UP to 12%

Investors: 12960+

Amount invested: 68M+ EUR

Regulated: Yes

Autoinvest: Yes

NEO Finance PROS

  • Buyback guarantee
  • High returns up to 12%
  • Autoinvest
  • Easy to use
  • Secondary market
  • EMI licence
  • Regulated the central Lithuanian market

NEO Finance’s CONS

  • Buyback for 50% – 80% of the loan value

My personal review

NEO Finance platform is a solid regulated platform from Lithuania which has issued loans worth of more than 68M eur. More than 12900 investors trust NEO Finance. . It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 12%. The platform is supervised and regulated by the Lithuanian central bank. It is the biggest peer to peer lending platform in Lithuania at the moment.

Next post: Moncera’s review. Pros and Cons

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Moncera review. Pros and Cons

Moncera review. 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

Moncera’s PROS

  • Buyback guarantee
  • Partnership with Placet Group
  • Autoinvest
  • Easy to use

Moncera’s CONS

  • Not a regulated platform

My personal review

Moncera platform is a solid platform from Estonia which has a partnership with Placet Group. More than 1000 investors trust Moncera . It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and can earn up to 12%. However, the platform is not regulated.

Next post: Peer to peer lending in Lithuania. TOP 3 platforms