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NEO Finance review. Pros and Cons

NEO Finance review

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.

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Moncera review. Pros and Cons

P2P lending Latvia

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.ee, smsraha.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.

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Peer to peer lending in Lithuania. TOP 3 leading platforms

P2P lending Finnland

Peer to peer lending in Lithuania. P2P lending has only existed since 2005, but the crowd of competing sites is already considerable. While they all operate the same basic way, they vary quite a bit in their eligibility criteria, loan rates, amounts, and tenures, as well as their target clientele. To jump-start your search, we scoured the online P2P marketplace and came up with these top 6 platforms, depending on your exact financial situation.

Peer to peer lending in Lithuania. TOP 3 platforms.

Profitus is a leading crowfunding platform in Lithuania. PROFITUS is real estate investment platform. Profitus changed the approach to investing in real estate. From now on, you can invest in real estate from EUR 100. Moreover, borrowing money for your real estate project is much faster and easier than applying to the bank. Profitus brings together people who want to invest in real estate and people on the other side – those who are looking for money to implement their real estate idea.

Finbee is the first peer-to-peer lending platform to loan to small- and medium-sized businesses in Lithuania. These loans are also backed by Invega, a state-owned company, under the program “Raspberry”, which was specially developed for peer-to-peer loans.

NEO Finance is one of the few crowdlending platforms with an unlimited EMI license from the Central Bank, valid throughout Europe. The safety of investors’ money is thus guaranteed: it is held in the name of the investor himself and is completely separated from the NEO Finance company accounts. In addition, the platform is continuously monitored by the Central Bank of the EU country of Lithuania.

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Profitus review. Pros and Cons

p2p LENDING INDONESIA

Profitus review. 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

Profitus PROS

  • Average return up to 13%
  • Supervised by the central bank of Lithuania
  • No defaulted loans

Profitus CONS

  • No secondary market
  • No auto invest tool
  • Paysera and Trustly deposit featurs(not very easy to use)

My personal review

Profitus platform is a solid platform from Lithuania with more than 25M eur of loans financed. More than 2000 investors trust Profitus .It is easy to use their investment platform and navigate through their dashboard. Low amount of late loans and there are no defaulted loans. Attractive returns up to 13%. However, not very to use their E-payment providers – Paysera and Trustly as you need to be a customer there.

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Kviku Finance review. Pros and Cons

Peer to peer lending

Kviku Finance review. 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

Kviku Finance PROS

  • Operates in 6 countries
  • Average return up to 12%
  • Autoinvest
  • Easy to use

Kviku Finance CONS

  • Not regulated

My personal review

Kviku Finance platform is a solid platform from Estonia with more than 100M eur of loans financed. More than 5000 investors trust Kviku Finance. .It is easy to use their investment platform and navigate through their dashboard.

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Fixura review. Pros and Cons

Lenndy update

Fixura review. Fixura from Finland is the oldest company in the Nordic countries when it comes to crowdfunding and peer-to-peer lending.  Fixura was established in 2009′. Fixura is a forerunner in the business in Finland. Fixura’s business idea is simple – they bring investors and borrowers in need of loan together in a way that benefits both. When investing in Fixuras loans you affect the Finnish economy positively and at the same time you help Finns with a good payment history to get their loans with a fair interest rate. And you get a fair return at the same time.

Fixura’s platform key metrics

Average return: UP to 4%

Investors: 10000+

Amount invested: 100M+ EUR

Regulated: Yes

Autoinvest: Yes

Fixura’s PROS

  • A regulated platform
  • Operates since 2009. Long track record
  • Autoinvest
  • Easy to use

Saveland CONS

  • A low returns on investments

My personal review

Fixura’s platform is a solid platform from Finnland with more than 11 years of experience in the market. More than 10000 investors trust Fixura. . It is easy to use their investment platform and navigate through their dashboard. However, the returns are lower compared to other platforms in Europe.

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Saveland review. Pros and Cons

P2P lending Finnland

Saveland review. Saveland was launched in 2014 and provides a self-developed platform where investors are connected with borrowers. In this way, private individuals and companies have the opportunity to invest in different types of credit with varying maturities, interest rates and risk levels. Saveland offers investments in consumer credit, corporate loans, invoice purchases and debt collection portfolios with an expected return of 7-9%. Capital that has been invested on the platform exceeded more than 225M KR and is constantly growing.

Saveland platform key metrics

Average return: 10.76%

Investors: 5940+

Amount invested: 225M+ KR

Regulated: Yes

Saveland PROS

  • A regulated platform
  • Offers attractive returns
  • Operates since 2014

Saveland CONS

  • Accepts only investors from Sweden
  • Can invest with at least 500 KR

My personal review

Saveland platform is a solid platform from Sweden with more than 7 years of experience in the market. More than 5940 investors trust Saveland, which offers attractive returns up to 11%. It is easy to use their investment platform and navigate through their dashboard. However, Saveland only accepts investors from Sweden with Swedish social security number.

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P2P lending Malaysia. TOP 3 platforms

P2P lending India

P2P lending Malaysia. Crowdfunding is when businesses, organizations, or individuals fund a project or venture with small donations from many people. By receiving the necessary boost to cash flow, these ventures can get off the ground or launch new projects. Most of these campaigns happen via internet platforms, have set timeframes for when money can be raised and disclose specific monetary goals.

P2P lending Malaysia. TOP 3 platforms.

Fundastiz is a business lending in Malaysia for SME companies. All loans are in Malaysian Ringgit (RM).

Capbay is a business lending in Malaysia for SME companies. All loans are in Malaysian Ringgit (RM).

Funding Societies is a business lending in Malaysia for SME companies. All loans are in Malaysian Ringgit (RM). Southeast Asia’s largest peer-to-peer financing platform. They connect SMEs with investors through an online marketplace to increase financing access for SMEs.

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P2P lending South Korea. TOP 3 platforms

p2p LENDING INDONESIA

P2P lending South Korea.

The nation’s peer-to-peer (P2P) lending market has been losing its credibility, due to a snowballing delinquency rate in the industry and alleged investment fraud involving some well-known companies.

The South Korean government has been actively promoting the fintech industry, launching initiatives and allocating resources for the sector to thrive. But the risks arising from its rapidly growing P2P lending landscape have forced regulators to introduce new rules to brush off legal gray areas.

In October 2019, South Korea’s National Assembly approved the Online Investment-Linked Finance and Protection of Users Act, also known as the P2P Act.

P2P lending South Korea. TOP 3 platforms

Roof Funding platform invests in smartphone purchases of mobile phone dealers Since the agency receives the payment for purchase of the smartphone from the telecommunication company within 45 days, investors can quickly recover the principal in two months.

Honest fund is Fintech company where innovators gather to change finance honestly with the power of IT technology

Terra Funding is a real estate P2P financial service that connects building businesses and individual investors .Building businesses that were unable to meet the strict loan conditions of the existing financial sector
had to proceed with construction projects with high interest rates of private funds (deposits, etc.) or credit.
Terra Funding has solved the structural problems of small and medium-sized construction loans, while developing high-yield real estate investment products, completing a real estate P2P financial platform that satisfies both lenders and investors .

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P2P lending Japan. TOP 3 platforms

P2P lending Latvia

P2P lending Japan. Crowdfunding is a way to raise money for an individual or organization by collecting donations through family, friends, friends of friends, strangers, businesses, and more. By using social media to spread awareness, people can reach more potential donors than traditional forms of fundraising. Before you start crowdfunding find the best platform for your needs. Compare the best online fundraising platform by fees, features, support, and more.

P2P lending Japan. TOP 3 platforms

Maneo is the oldest crowdlending platform in Japan. Business lending with many of the loans connected to the real estate industry. he service connects lenders (aged 20-65) and borrowers (aged 20-60).

Crowd Credit is a P2P lending platform for consumer & commercial loans. The minimum investment amount is 10,000 Yen. Allows investors to invest in personal loans.

SmartLend is a P2P platform for investing in venture companies, small and medium enterprises, and large companies in Japan and abroad. The platform offers returns between 5% to 12%. Loan terms usually range from 1 month to 12 months.

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