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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

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