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Text
RATES
P2P lending information, p2p banking news, peer to peer loans, better rates than at banks. Invest in p2p loans for a good ROIP2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing:JAPAN | P2P-BANKING
In Japan, Exchange Corporation K.K., which runs the p2p lending marketplace Aqush, raised an undisclosed amount from Silicon Valley venture capital fund 500 Startups.. According to today’s press release on average lenders on the Aqush p2p lending marketplace have invested 3,750 US$ with a ROI of 7.6% net of bad debt and fees.ASIA | P2P-BANKING
Funding Societies*, an SME digital financing platform in Southeast Asia with presence in Singapore, Indonesia and Malaysia, Funding Societies has facilitated more than 1 million business loans to SMEs through a base of more than 150,000 individual and institutional investors in the last 4 years since inception in 2015.Funding Societies expanded its loan volume by 3 times in the last 12 month IN THE CASE OF DEATH Related News and Reviews: Which P2P Lending Marketplaces in Europe Accept American Investors? October 15, 2019; LHV Bank Integrates Estateguru Investments in Online Banking Dashboard June 19, 2019; International P2P Lending Volumes December 2020 January 5, 2021; International P2P Lending Volumes October 2020 November 3, 2020; New product: Mintos Invest and Access - What it is MICROPLACE | P2P-BANKING 2007 was a year of launch and growth for most players. What trends in peer to peer lending can be expected in 2008? More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers, especially in the largest market: In the United States Globefunder.com and Loanio.com will launch. GERMANY | P2P-BANKING The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*.The total volume for the reported companies in AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
SEEDRS REVIEW
15 month ago I joined the British platform Seedrs and started to invest in startups I consider interesting. Since then I have built my small portfolio, holding equity stakes in more than a dozen mostlyBritish companies.
P2P LENDING MARKETPLACE NEWS AND REVIEWSTHIS LIST OF INTERNATIONAL INVESTING ON P2P LENDING SERVICESP2P LENDING CASHBACKCOMPARE IFISARATES
P2P lending information, p2p banking news, peer to peer loans, better rates than at banks. Invest in p2p loans for a good ROIP2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing:JAPAN | P2P-BANKING
In Japan, Exchange Corporation K.K., which runs the p2p lending marketplace Aqush, raised an undisclosed amount from Silicon Valley venture capital fund 500 Startups.. According to today’s press release on average lenders on the Aqush p2p lending marketplace have invested 3,750 US$ with a ROI of 7.6% net of bad debt and fees.ASIA | P2P-BANKING
Funding Societies*, an SME digital financing platform in Southeast Asia with presence in Singapore, Indonesia and Malaysia, Funding Societies has facilitated more than 1 million business loans to SMEs through a base of more than 150,000 individual and institutional investors in the last 4 years since inception in 2015.Funding Societies expanded its loan volume by 3 times in the last 12 month IN THE CASE OF DEATH Related News and Reviews: Which P2P Lending Marketplaces in Europe Accept American Investors? October 15, 2019; LHV Bank Integrates Estateguru Investments in Online Banking Dashboard June 19, 2019; International P2P Lending Volumes December 2020 January 5, 2021; International P2P Lending Volumes October 2020 November 3, 2020; New product: Mintos Invest and Access - What it is MICROPLACE | P2P-BANKING 2007 was a year of launch and growth for most players. What trends in peer to peer lending can be expected in 2008? More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers, especially in the largest market: In the United States Globefunder.com and Loanio.com will launch. GERMANY | P2P-BANKING The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*.The total volume for the reported companies in AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
SEEDRS REVIEW
15 month ago I joined the British platform Seedrs and started to invest in startups I consider interesting. Since then I have built my small portfolio, holding equity stakes in more than a dozen mostlyBritish companies.
P2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing:US | P2P-BANKING
Bondora. Bondora* is an Estonian p2p lending marketplace for consumer loans. The highly liquid Go&Grow product offer yields 6.75%. With other products higher yields of 10+% are achievable. US investors need to be accredited investors to use Bondora. A bank account in the European Union is not necessary. US companies are eligible to invest.3RD PARTY SERVICES
3rd party service LendingRobot today announces a partnership with Funding Circle in the United States, expanding the reach of LendingRobot’s automated investment technology beyond consumer loans and into small business lending.. Through the integration, individual investors using LendingRobot can set automated investment strategies for Funding Circle’s marketplace based on anASIA | P2P-BANKING
Funding Societies*, an SME digital financing platform in Southeast Asia with presence in Singapore, Indonesia and Malaysia, Funding Societies has facilitated more than 1 million business loans to SMEs through a base of more than 150,000 individual and institutional investors in the last 4 years since inception in 2015.Funding Societies expanded its loan volume by 3 times in the last 12 monthITALY | P2P-BANKING
Ivan Pellegrini is co-founder & Group CEO at Borsadelcredito.it.. What is BorsadelCredito.it about? BorsadelCredito.it is the first Italian p2p lending platform. We help creditworthy SMEs to obtain credit in just three working days while promising 5-7% return to our investors.CROWDINVESTMENT
In Germany Kapilendo and Venturate announced they will merge. Kapilendo is a p2p lending marketplace offering loans between 30,000 and 2.5M Euro to SMEs for loan terms of 1 to 5 years. The minimum amount for investors is 100 Euro.MYC4 | P2P-BANKING
P2P microfinance platform MYC4 has closed its discussion forum. Links to the forum have been removed from main navigation. The official explanation on the blog says: “The forum was originally created to ignite a dialog among the investors. We haven’t seen all that many sparks recently. Most of the posts on the forum in the last year have been either investors asking specificNETHERLANDS
P2P Lending Marketplace Crosslend launched last September.The unsecured loans are open for investment for investors in Germany, Spain, UK and the Netherlands. I gave a short overview in my Crosslend review for investors. So far the couple of Crosslend loans, I invested in, are all current.. In mid-January Crosslend added Dutch loans and I made a bid on the first Dutch loan listing. HOW TO FILTER ISEPANKUR LOANS TO REDUCE RISKS AND ACHIEVE As you all know, if you are a regular reader of this blog, I have been investing on the Isepankur p2p lending service for over a year. So far, I’m doing pretty well – Isepankur consistently ranks me into the top 10% of investors by achieved ROI. But I have to admit that mystrategy
P2P LENDING MARKETPLACE NEWS AND REVIEWSTHIS LIST OF INTERNATIONAL INVESTING ON P2P LENDING SERVICESP2P LENDING CASHBACKCOMPARE IFISARATES
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 426 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
P2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing: GERMANY | P2P-BANKING Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 368 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
JAPAN | P2P-BANKING
Advent of P2P lending in Japan. maneo, Inc. and Exchange Corporation KK were the first P2P lending platform operators in Japan. In 2007, maneo, Inc. was established and it started the registration processes with Japanese authorities which were necessary to run the platform. And it launched the platforms – maneo – in 2008. AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
WISECLERK | P2P-BANKING wiseclerk Leave a comment. The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track MICROPLACE | P2P-BANKING 2007 was a year of launch and growth for most players. What trends in peer to peer lending can be expected in 2008? More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers, especially in the largest market: In the United States Globefunder.com and Loanio.com will launch. IN THE CASE OF DEATH In the Case of Death. 5 years ago wiseclerk. ‘What happens when I die’ is a concern occasionaly voiced by investors. Investments in p2p lending will be inherited like any other assets. The concern for the investor is how readily their beloved ones will be able to access the funds. I scanned the FAQs of several p2p lending marketplaces butSEEDRS REVIEW
Seedrs charges the investors a fee of 7.5% on the profits the investors make (note that this is not a fee on the investment amount (example: an investor invests 200 GBP in a pitch. Should there be an exit later where the value of the investors shares is now 300 GBP then Seedrs charges 7.5% of the 100 GBP profit; therefore the investorwould be
P2P LENDING MARKETPLACE NEWS AND REVIEWSTHIS LIST OF INTERNATIONAL INVESTING ON P2P LENDING SERVICESP2P LENDING CASHBACKCOMPARE IFISARATES
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 426 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
P2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing: GERMANY | P2P-BANKING Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 368 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
JAPAN | P2P-BANKING
Advent of P2P lending in Japan. maneo, Inc. and Exchange Corporation KK were the first P2P lending platform operators in Japan. In 2007, maneo, Inc. was established and it started the registration processes with Japanese authorities which were necessary to run the platform. And it launched the platforms – maneo – in 2008. AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
WISECLERK | P2P-BANKING wiseclerk Leave a comment. The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track MICROPLACE | P2P-BANKING 2007 was a year of launch and growth for most players. What trends in peer to peer lending can be expected in 2008? More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers, especially in the largest market: In the United States Globefunder.com and Loanio.com will launch. IN THE CASE OF DEATH In the Case of Death. 5 years ago wiseclerk. ‘What happens when I die’ is a concern occasionaly voiced by investors. Investments in p2p lending will be inherited like any other assets. The concern for the investor is how readily their beloved ones will be able to access the funds. I scanned the FAQs of several p2p lending marketplaces butSEEDRS REVIEW
Seedrs charges the investors a fee of 7.5% on the profits the investors make (note that this is not a fee on the investment amount (example: an investor invests 200 GBP in a pitch. Should there be an exit later where the value of the investors shares is now 300 GBP then Seedrs charges 7.5% of the 100 GBP profit; therefore the investorwould be
P2P BANKING REVIEW
In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank(DNB).
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing:3RD PARTY SERVICES
3rd party service LendingRobot today announces a partnership with Funding Circle in the United States, expanding the reach of LendingRobot’s automated investment technology beyond consumer loans and into small business lending.. Through the integration, individual investors using LendingRobot can set automated investment strategies for Funding Circle’s marketplace based on anUS | P2P-BANKING
Bondora. Bondora* is an Estonian p2p lending marketplace for consumer loans. The highly liquid Go&Grow product offer yields 6.75%. With other products higher yields of 10+% are achievable. US investors need to be accredited investors to use Bondora.MYC4 | P2P-BANKING
MYC4 Plans to Target New Partners, Mitigate Risk. In a telephone call MYC4 executive Jes Colding yesterday gave P2P-Banking.com a preview of the future positioning of MYC4. The two main goals are risk mitigation and new provider structure. All new providers P2P LENDING CASHBACK AND BONUS OFFERS This page lists current cashback and bonus offers by p2p lending marketplaces and tells investors how to apply to make use of them. Many of the p2p lending platforms use cashback offers as a form of marketing campaign promotion, therefore some of the offers are only available for a limited time or other conditions apply. MICROPLACE | P2P-BANKING 2007 was a year of launch and growth for most players. What trends in peer to peer lending can be expected in 2008? More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers, especially in the largest market: In the United States Globefunder.com and Loanio.com will launch.ITALY | P2P-BANKING
BLender is a cloud-based platform that was built to work in a wide range of markets and languages. In Italy the platform charges borrowers a 4.5% origination fee and investors 1.5% of each repayment (principal and repayment). Compared to other marketplaces these fees are in the higher price range.NETHERLANDS
P2P Lending Marketplace Crosslend launched last September.The unsecured loans are open for investment for investors in Germany, Spain, UK and the Netherlands. I gave a short overview in my Crosslend review for investors. So far the couple of Crosslend loans, I invested in, are all current.. In mid-January Crosslend added Dutch loans and I made a bid on the first Dutch loan listing. HOW TO FILTER ISEPANKUR LOANS TO REDUCE RISKS AND ACHIEVE Note that the description says ‘This loan has at one moment been overdue for 60 days’, meaning it does include loans that are now current again, or even paid off. But if we want to reduce the risks of a loan ever going into 60+ days overdue this is the parameter we want to look at. For 126 of the 1325 loans this parameter is set to ‘1 P2P LENDING MARKETPLACE NEWS AND REVIEWSTHIS LIST OF INTERNATIONAL INVESTING ON P2P LENDING SERVICESP2P LENDING CASHBACKCOMPARE IFISARATES
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 426 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
COMPARE IFISA RATES (JUNE 2021, 34 PROVIDERS) Compare IFISA Rates (May 2021, 34 providers) Compare best IFISA rates by p2p lending marketplaces and other providers. Use selection on right to find, compare and narrow results from the P2P Banking database. Capital is at risk! AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
JAPAN | P2P-BANKING
Advent of P2P lending in Japan. maneo, Inc. and Exchange Corporation KK were the first P2P lending platform operators in Japan. In 2007, maneo, Inc. was established and it started the registration processes with Japanese authorities which were necessary to run the platform. And it launched the platforms – maneo – in 2008. WISECLERK | P2P-BANKING wiseclerk Leave a comment. The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track IN THE CASE OF DEATH In the Case of Death. 5 years ago wiseclerk. ‘What happens when I die’ is a concern occasionaly voiced by investors. Investments in p2p lending will be inherited like any other assets. The concern for the investor is how readily their beloved ones will be able to access the funds. I scanned the FAQs of several p2p lending marketplaces butSPAIN | P2P-BANKING
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported companies in the table adds up to 364 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
CHANDRA PATNI
In early summer 2010 Yes-secure.com launched the second p2p lending service active in the UK. Dr. Chandra Patni, CEO of Yes-secure answers my questions.. P2P-Banking.com: Dr. Chandra Patni, please tell us about the background of the Yes-secure management team and what lead to entering the p2p lending market? Dr. Chandra Patni: I came up with the business opportunity in 2008, having reviewed MEXICO | P2P-BANKING Prestadero, a p2p lending service in Mexico, has raised a first funding round for 400,000 US$ led by Venture Partners Mexico.Prestadero was founded in 2011 by CEO ISEPANKUR | P2P-BANKING In October 2012 I started to invest into p2p lending at Bondora. I periodically blog about my experiences – you can read my update from Dec. 2015 here. Over the total time I did deposit 14,000 Euro and withdrew 13,380 Euro. So as you see I cashed out an amount almost equal to the amounts I deposited. The good news is that I still own705
P2P LENDING MARKETPLACE NEWS AND REVIEWSTHIS LIST OF INTERNATIONAL INVESTING ON P2P LENDING SERVICESP2P LENDING CASHBACKCOMPARE IFISARATES
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 426 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
COMPARE IFISA RATES (JUNE 2021, 34 PROVIDERS) Compare IFISA Rates (May 2021, 34 providers) Compare best IFISA rates by p2p lending marketplaces and other providers. Use selection on right to find, compare and narrow results from the P2P Banking database. Capital is at risk! AFRICA | P2P-BANKING German p2p lending service Lendico announced yesterday that an unnamed international hedge fund and 2 german banks will invest over 100 million Euro in loans on the Lendico marketplaces. The management sees that as a mark of confidence. Lendico is committed to increase activities in its growing core markets and plans to expand the productinto SME loans.
JAPAN | P2P-BANKING
Advent of P2P lending in Japan. maneo, Inc. and Exchange Corporation KK were the first P2P lending platform operators in Japan. In 2007, maneo, Inc. was established and it started the registration processes with Japanese authorities which were necessary to run the platform. And it launched the platforms – maneo – in 2008. WISECLERK | P2P-BANKING wiseclerk Leave a comment. The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track IN THE CASE OF DEATH In the Case of Death. 5 years ago wiseclerk. ‘What happens when I die’ is a concern occasionaly voiced by investors. Investments in p2p lending will be inherited like any other assets. The concern for the investor is how readily their beloved ones will be able to access the funds. I scanned the FAQs of several p2p lending marketplaces butSPAIN | P2P-BANKING
Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported companies in the table adds up to 364 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
CHANDRA PATNI
In early summer 2010 Yes-secure.com launched the second p2p lending service active in the UK. Dr. Chandra Patni, CEO of Yes-secure answers my questions.. P2P-Banking.com: Dr. Chandra Patni, please tell us about the background of the Yes-secure management team and what lead to entering the p2p lending market? Dr. Chandra Patni: I came up with the business opportunity in 2008, having reviewed MEXICO | P2P-BANKING Prestadero, a p2p lending service in Mexico, has raised a first funding round for 400,000 US$ led by Venture Partners Mexico.Prestadero was founded in 2011 by CEO ISEPANKUR | P2P-BANKING In October 2012 I started to invest into p2p lending at Bondora. I periodically blog about my experiences – you can read my update from Dec. 2015 here. Over the total time I did deposit 14,000 Euro and withdrew 13,380 Euro. So as you see I cashed out an amount almost equal to the amounts I deposited. The good news is that I still own705
P2P LENDING MARKETPLACE NEWS AND REVIEWS Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 426 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lendingplatforms.
COMMUNITYLEND
CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing:MYC4 | P2P-BANKING
MYC4 Plans to Target New Partners, Mitigate Risk. In a telephone call MYC4 executive Jes Colding yesterday gave P2P-Banking.com a preview of the future positioning of MYC4. The two main goals are risk mitigation and new provider structure. All new providers WISECLERK | P2P-BANKING wiseclerk Leave a comment. The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track TAX RATES ON P2P LENDING One important aspect for p2p lending investors is tax. In this blog whenever I talked about yields achieved, it is usually pre-tax yield. That is because taxation varies significantly from country to country. In most cases the place of residency of the investor determines the tax regime applicable. There are a few exceptions, e.g. on ISEPANKUR | P2P-BANKING Chart 3: My portfolio by loan purpose. Recent developments. A lot has changed in the past four months. With the introduction of new regulation in Estonia, Bondora now prefunds all loans and also keeps a stake in the loans (‘skin in the game‘).Manual bidding on loans is not as straightforward as previously because now investors can make bids, which are not binding until allocation happens. SLOVAKIA | P2P-BANKING A few weeks ago I decided to start a small test portfolio investing in p2p loans at Zlty Melon.Zlty Melon is a p2p lending marketplace in Bratislava, Slovakia (see earlier articles about the Slovakian market).The marketplace lists loans to borrowers in Slovakia in Euro currency and to Czech borrowers in CZK.ITALY | P2P-BANKING
BLender is a cloud-based platform that was built to work in a wide range of markets and languages. In Italy the platform charges borrowers a 4.5% origination fee and investors 1.5% of each repayment (principal and repayment). Compared to other marketplaces these fees are in the higher price range. MEXICO | P2P-BANKING Prestadero, a p2p lending service in Mexico, has raised a first funding round for 400,000 US$ led by Venture Partners Mexico.Prestadero was founded in 2011 by CEOSEEDRS REVIEW
Seedrs charges the investors a fee of 7.5% on the profits the investors make (note that this is not a fee on the investment amount (example: an investor invests 200 GBP in a pitch. Should there be an exit later where the value of the investors shares is now 300 GBP then Seedrs charges 7.5% of the 100 GBP profit; therefore the investorwould be
Okay
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P2P LENDING MARKETPLACE NEWS AND REVIEWS*
*
* Share
INTERNATIONAL P2P LENDING VOLUMES APRIL 2020 _ _ 2 days agoMay 6, 2020_ _ wiseclerk _ _
Leave a comment
__
The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Peerberry* . I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms. This month I addedDebitum Network* .
Milestones achieved: * Neofinance* crossed 50 million EUR loan volume since launch * MytripleA* crossed 100 million EUR loan originations since inception The decline of loan originations due to the pandemic continues in April. Read my previous article ‘_Hunger for Liquidity – State of P2P Lending in Times of the Coronavirus_‘
for earlier observations on this. In reaction some marketplaces paused originating new loans either completely or in certain countries orcredit grades.
Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services.
Investors can also explore how to make use of current p2p lendingcashback
offers available. UK investors can compare IFISA rates.
Table: P2P Lending Volumes in April 2020. Source: own research Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations. Links to the platforms listed in the table: Ablrate*, Archover*
, Assetz Capital*
, Bondora*
, Bondster*
, Bulkestate*
, Colectual*
, Credit.fr*
, Crowdproperty*
, Debitum Network*
, Dofinance*
, Estateguru*
, Fellow Finance*
, Finansowo*
, Finbee*
, Folk2Folk*
, Geldvoorelkaar*
, Growly*
, Investly*
, Iuvo Group*
, Kameo*
, Klear*
, Landlordinvest*
, Linked Finance*
, Lenndy*
Look&Fin*
, Mintos*
, MyTrippleA
*, Neofinance
* , October
*, Peerberry*
, Proplend
*, Ratesetter
*, Rebuilding Society*, Savy*
, Smartika
*, Soisy*
, Sourced
*, Swaper
*, TFGcrowd*
, ThinCats
*, Twino
*, Viainvest
*, Viventor
*, Zopa*
.
Notice to p2p lending services not listed: Continue reading → ESTATEGURU LAUNCHES EQUITY CROWDFUNDING ROUND ON SEEDRS TO RAISE 2M_ _ 10 days ago
_ _ wiseclerk _ _
Leave a comment
__
Baltic property lending platform Estateguru* has just launched a round on Seedrs* to raise up to 2 million EUR in new funding at a pre-money valuation of 28.8M EUR . Estateguru was launched in Estonia 6 years ago and has since expanded into the Latvian, Lithuanian, Finnish, Portugeese and German markets. Using the platform 47,000 investors have funded over 1,400 loans with a volume of 202 million EUR for an average return of 11.8% (as per Estateguru statistics page). All loans are secured by mortgages. Estateguru says that so far all recoveries of defaults have returned 100% of the capital and just the length of discovery varied sometimes taking months, sometimes taking years. Estateguru plans to use the raised capital to further develop the product, especially improving features for institutional investors. Estateguru* can build on the experiences it made in a two-year relationship with German Varengoldbank
which has provided a credit line to finance loans. A second goal is to expand into further markets. In a recent investor webinar CEO Marek Pärtel named UK as a potential market, stating Estateguru already holds the required licenses since last year. Furthermore Estateguru will implement integration with payment provider Lemonway. Pärtel said in the webinar that Estateguru has doubled in size every year in the past and expects the fast growth to continue in thefuture.
HOW IS MY P2P LENDING PORTFOLIO AT RATESETTER AUSTRALIA PERFORMING DURING THE CURRENT CRISIS?_ _ 18 days ago
_ _ wiseclerk _ _ 2Comments
__
I started lending at Ratesetter Australia* in 2018. Read my article I wrote back then about my reasoning for selecting the platform and how I got started: ‘_Up to 9% Interest Rate – How To Register as a Non-Resident Investor at Ratesetter Australia_‘.
Some key figures on my lending since 2018: * amount deposited: 6,862 AUD * interest earned: 1,003 AUD * less interest margin fee: 88 AUD * less withholding tax: 88 AUD * less defaults: 0 AUD (as all loans are covered by the provisionfund)
Unlike on other platforms, I did not stop my autoinvest at Ratesetter AUS when the crisis evolved. My main reasons were that the provision fund is quite reasonably filled (>10M AUD) and I did not want to change the funds back to EUR currently, so rather than withdrawing them and storing them in AUD cash without any interest I figured I could just continue to reinvest them. I now reinvest only at the 1 month market as the interest rate there is frequently peaking at higher rates than on the 3 or 5 years market. The following screenshot shows the current allocation of my funds atRatesetter.
_click on image to enlarge screenshot_ WHAT MEASURES DID RATETTER TAKE IN REACTION TO THE PANDEMIC EFFECTS ONTHE MARKET
In early March market turmoil caused temporary spikes of interest rate matches up to 19.9%. This was mainly caused by less lender money thanusual offered.
Starting on March 23rd, Ratesetter imposed a maximum ceiling of 9.0% for the lending rates on all markets. Older bids that were higher werecancelled.
In the following days investors mostly reallocated remaining funds on offer away from the longer term markets to the 1 month market. On (or about) March 25th, the remaining funds on the 1 month rolling market must have fallen below the funds replacement buffer of 300K AUD, invoking section 7.7. of the product disclosure section, meaning paybacks on 1 month loans are not return to investors but rather reinvested at the previous rate. While it happend a few time to me since then, it is not really a problem (even so it is relent at pre-crisis interest rates of 3.5%), as I had very little funds on the1 month market.
The following chart shows the turbulence starting mid-March, with rates bouncing up and down since then. Overall the main impact on Ratesetter so far is the drop in new loan volume and the much higher interest rates on the monthly market. As far as I can tell repayments on the loans arrive regulary and if there is an impact on default rates it still lies in the future. _click on image to enlarge screenshot_ Another big fallout of the crisis has been the forex impact. My home currency is EUR. Compared to that currency, the Australian dollar abruptly devalued in March. I even considered excahnging additional Euro to gain of the exchnage rate drap, but decided against it. The rate has moved back in the direction of pre-crisis levels since. As I have not withdrawn any money from Ratesetter the exchange rate fluctuations have not impacted me._Source: XE
_
INTERNATIONAL P2P LENDING VOLUMES MARCH 2020 _ _ about a month ago _ _ wiseclerk _ _ 1Comment
__
The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter* . The total volume for the reported marketplaces in the table adds up to 397 million Euro, down 40% to the previous month. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms. This month I addedLenndy* .
Milestones achieved: * Mintos* crossed 5 billion EUR originated loan volume since inception The effect of the current crisis is impacting nearly all marketplaces significantly in the second half of March. Read my previous article ‘_Hunger for Liquidity – State of P2P Lending in Times of theCoronavirus
_‘
for further observations on this. To counter the effect the sinking volumes has on revenues of the marketplace company, Mintos*and Assetz Capital*
announced the introduction of newfees for investors.
Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services.
Investors can also explore how to make use of current p2p lendingcashback
offers available. UK investors can compare IFISA rates.
Table: P2P Lending Volumes in March 2020. Source: own research Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations. Links to the platforms listed in the table: Ablrate*, Archover*
, Assetz Capital*
, Bondora*
, Bondster*
, Bulkestate*
, Colectual*
, Credit.fr*
, Crowdproperty*
,
Dofinance*
, Estateguru*
, Fellow Finance*
, Finansowo*
, Finbee*
, Folk2Folk*
, Geldvoorelkaar*
, Growly*
, Investly*
, Iuvo Group*
, Kameo*
, Klear*
, Landlordinvest*
, Linked Finance*
, Lenndy*
Look&Fin*
, Mintos*
, MyTrippleA
*, Neofinance
* , October
*, Peerberry*
, Proplend
*, Ratesetter
*, Rebuilding Society*, Savy*
, Smartika
*, Soisy*
, Sourced
*, Swaper
*, TFGcrowd*
, ThinCats
*, Twino
*, Viainvest
*, Viventor
*, Zopa*
.
Notice to p2p lending services not listed: Continue reading → HUNGER FOR LIQUIDITY – STATE OF P2P LENDING IN TIMES OF THECORONAVIRUS
_ _ 2 months agoMarch 20, 2020 _ _ wiseclerk _ _ 3Comments
__
Not only the stock markets, but also the p2p lending sector is heavily impacted by the current coronavirus situation. In this article I’ll try to give an overview of what’s currently the situation. I watched the Mintos* live webinar on the current situation for the past 90 minutes. Some screenshots of the slides shown are at the end of this post. About 800-900 Mintos investors were watching and I think they highly appreciated the time and effort Mintos took to communicate. CEO Martins Sulte spent over 45 minutes answering questions. And there are a lot of questions investors have in times like these. My take is, that the biggest trend we saw in p2p lending in the past week is the hunger for liquidity. Both on the investor side as on the loan originator side (on those marketplaces that work with loanoriginators).
105 German investors participated in a poll I ran over the past two days. Of these * 11% say they increase their p2p lending investment, to buy and profit from loans that are available at (large) discounts on secondarymarkets
* 3% say they are increasing their p2p lending investment for otherreasons
* 30% reinvest as usual * 26% are withdrawing money as the want to reallocate it to the stockmoney
* 20% are withdrawing money as they think the risk is too high So even in this small, non-representative poll nearly half the investors are saying they are withdrawing money. How that impacts the p2p lending marketplaces can be observed exemplarily on Mintos* : * loans on offer rose and still rise sharply both on the primary market (900,000 loans) and on the secondary market (1.7 million loans) * as many investors scramble to exit, this is only possible for them if they offer extreme discounts on the secondary market (the highest discount for current loans on offer is currently -20.1%, resulting in YTMs of 30% and higher for the buyer) * Congruously the Invest&Access product of Mintos got very illiquid. Withdrawals are very delayed and partial.
* The volume of newly financed loans on the primary market has tanked * Interest rates offered on the primary market rise (current maximum 21.1%, Mintos even had to adapt the range the slider in the UI could show), together with cashbacks on offer and there are also measures to tie in capital longer.
In the current situation most investors in the discussion seem to assume that elevated risks come by the potential inability of borrowers to repay the loans, due to economic downturn. That may well be, but would impact the yield mid- or long-term (weeks or months). In my view there are two very short-term risks that many investorsoverlook:
* The currency risks for many Mintos loan originators: Many have issued loans to borrowers in weak currencies like RUB, KZT
or GEL
, but
need to pay Mintos investors in EUR. The sharp change in exchange rates could pose major problems for the liquidity of the loanoriginators.
* Many loan originators were growing fast and required constant cashflow to finance their lending and operations as they were not yet profitable. Some were even leveraged. External refinancing might be very hard to impossible to obtain in current market conditions (see for example investors reaction on trading of the Mogo Finance bond).
And as said the volume financed on Mintos primary market is slowing. Again this could pose liquidity problems to originators. An industry insider I spoke to said he would expect at least 2-3 loan originators to fail short term. CEO Sulte acknowledged in answering the questions on the webinar that “not all” could be expected to make it in the current situation, pointing to the large number of loan originators active on Mintos. The two cited short term problems are especially a concern on those p2p lending market places that operate with loan originators. Of course the investors are also withdrawing increased amounts on “classic” p2p lending marketplaces like Assetz Capital, Bondora, Ratesetter and Zopa, but this poses no short-term risks to the stability of these marketplaces in my view. Other investors share this opinion, pointing to the different levels of discounts on different secondary market (for current loans: Mintos*-20.1%, Viventor*
-6%, Iuvo*
-5.7%, Finbee*
-5%, Savy*
-5%, Neofinance*
-5%, Bondora*
-3%)
The platforms have reacted by four ways: communication, temporarily suspending borrower repayment requirement (especially SME loans, e.g. Linked Finance, October, Neofinance* ), and stepping up marketing and increasing interest rates: * Bondora* runs a raffle for investors which can win a BMW, minimum investment 1 EUR required. * Lendermarket* has increased interest rates from 12 to 14% and offers 2% cashbackfor any
investment increase
* Twino* has increased interestrates to 14%
* Swaper* increased interest rates to 14% (16% for VIP customers, 5K minimum required) * Robocash* increased interestrates to 14%
* Estateguru* interest rates have increased slightly Below are screenshots of some of the slides shown in the Mintoswebinar today:
FUNDING CIRCLE CLOSES OFFICES IN BERLIN AND AMSTERDAM _ _ 2 months agoMarch 12, 2020_ _ wiseclerk _ _
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__
Funding Circle today announced that it will close the offices in Amsterdam and Berlin laying off 125 employees. The German operations in future will focus purely on brokering loan request leads and will be managed from employees in London. The announcement is not surprising as Funding Circle Germany failed to gain traction over the past years and struggled with default rates that exceeded expectations. Funding Circle stock has gone down from over 440 pence at IPO to about57 pence currently.
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