Lending company marketplaces

Platforms offering investments in consumer and other loan types that are backed
by lending companies.

Mintos

Mintos is the leading marketplace in the loan investments space in Europe. It is
operating under investment brokerage license granted by Latvia's Financial and
Capital Market Commission. The marketplace offers investments in the notes
(bundles of loans) of more than 60 lending companies across 24 countries.
The majority of loans on Mintos are short-term loans, personal loans and car
loans, but you can also find business, pawnbroking, mortgage,
and some agriculture loans.

Mintos is perfectly suited for new as well as advanced investors.
The investments can be picked manually, assigned to one of Mintos
automated strategies, or made by building tailored automated investment
strategies. Due to a huge supply of loans, the investors will always be
able to utilize their funds fully.

Key figures

Total funding volume: 8B+ EUR
Interest range: up to 18.5%
Min investment: 50 EUR

Features

Regulated
✅ Buyback guarantee
✅ Auto invest
✅ Secondary market

Peerberry

Peerberry is one of Europe's most popular loan marketplaces. The marketplace
offers investments in over 15 lending companies across 8 countries. All lending
companies available on Peerberry are a part of one of the following
lending groups - Aventus Group or Gofingo.The loan marketplace mostly offers
investments in short-term loans, but you can also find long-term loans, real
estate loans, car loans, and business loans.

Peerberry is perfectly suited for both new and more advanced and experienced
investors. The availability of loans, however, is quite limited due an overwhelming
demand. Therefore, it is recommended to set up an automated investment
strategy to ensure you manage to invest in the loans once
they are added to the market.

Key figures

Total funding volume: 1B EUR+
Interest range: up to 11.5%
Min investment: 10 EUR

Features

✅ Buyback guarantee
✅ Auto invest

Esketit

Esketit is a recently launched loan marketplace owned by Creamfinance group
which is one of the biggest lending groups in alternative financing space.
Currently, platform offers investments in loans originated by 4 lending companies
(3 owned by Creamfinance Group itself, and 1 owned by the loan marketplace
owners) across 4 countries - Jordan, the Czech Republic, Mexico and Spain.
The marketplace offers to invest in short-term loans and personal loans.

Esketit is a good choice for new investors and more advanced investors alike.
The marketplace offers investing manually and via one of four automatic
investment strategies or a custom made investment strategy. Furthermore, the investors
have an option to cash out of the investments at any time in case the investment was
made using one of the predefined strategies. Other investments can be exited by
selling investments on the secondary market.

Key figures

Total funding volume: 90M+ EUR
Interest range: up to 14.0%
Min investment: 10 EUR

Features

✅ Buyback guarantee
✅ Auto invest
✅ Secondary market

Income

Income is one of the most recently launched loan marketplaces with a heavy focus
on investor funds protection. The marketplace has created safeguards that motivate
the lending companies to issue good quality loans, but, in case the lending company
runs into financial troubles, these safeguards also ensure that the investors will be
able to recover most, if not all, funds invested in the particular lending company. The
investors are able to invest in short-term, business, and car loans from 9 lending
companies operating across 8 different countries.

Income is a good option for anyone looking to make investments manually or via
an automated investment strategy. If you are an investor looking to deploy a certain
strategy using auto-invest, take into account that the marketplace offers only to create
your own custom strategies.

Key figures

Total funding volume: 20M+ EUR
Interest range: up to 15.0%
Min investment: 10 EUR

Features

✅ Buyback guarantee
✅ Auto invest

Robocash

Robocash is a loan marketplace based in Croatia offering investments into short-term
and personal loans. On the marketplace you can find loans from 6 lending companies
located in Spain, Sri Lanka, Philippines, Singapore and Kazakhstan which are all a part
of the Robocash group.

Robocash is an easy to use marketplace suited for anyone who does not mind making
investments via automatically executed investment strategies as the marketplace does
not offer the option to make investments manually. If you prefer to make investments
one by one evaluating each particular loan, consider choosing another marketplace.

Key figures

Total funding volume: 500M+ EUR
Interest range: up to 13.0%
Min investment: 10 EUR

Features

✅ Buyback guarantee
✅ Auto invest
✅ Secondary market

Afranga

Afranga is a rather recently launched regulated loan marketplace offering investments
only in short-term loans originated by the Bulgarian lending company Stik Credit.
The loan marketplace has generated large interest among investors due to offering
good quality loans at good interest rates. Due to the overwhelming interest from the
investors, however, the platform quite frequently suffers from cash drag as the demand
for loans surpasses the loan supply.

Afranga is a suitable loan marketplace for all investors who do not mind having no
diversification option between lending companies. The marketplace offers making
investments manually or with custom auto investment strategies.

Key figures

Total funding volume: 30M+ EUR
Interest range: 14.0.%
Min investment: 10 EUR

Features

Regulated
✅ Buyback guarantee
✅ Auto invest
✅ Secondary market

Moncera

Moncera is a loan marketplace listing personal, business, and real estate loans from brands
that are all a part of the Estonian lending company Placet Group.

Moncera is well suited for both the new as well as more experienced ones.
The loan marketplace offers manual investments, as well as custom automated strategies.
Moncera differs from other popular loan marketplaces by not having a secondary market,
however, in case you want to exit your investment early, the marketplace does offer an option
to sell back your investments to the lending company at 0% fee, if the sale takes place up to
14 days after the initial investment, or at 1% fee, if the sale takes place more than 14 days
after the initial investment.

Key figures

Total funding volume: 40M+ EUR
Interest range: up to 9.0%
Min investment: 10 EUR

Features

Regulated
✅ Buyback guarantee
✅ Auto invest
✅ Secondary market

Bondster

Bondster is a loan marketplace from the Czech Republic that is available to investors
worldwide. The marketplace offers investments in personal loans, short-term loans,
business loans, and real estate loans from 25 lending companies across 20 countries.
Bondster has gained popularity amongst investors in the last few years due to being
one of the marketplaces having a large variety and amount of loan investments available,
and offering some of the highest returns in loan investments space.

On Bondster, the investments can be made either manually or using a predefined
investment strategy. For investors making investments in CZK, the marketplace offers
three strategies - high yield (maximizes return), secured by real estate (invests only in
secured loans, consequently, minimizing risk) and custom (created by the investor).
As for investors investing in EUR, the marketplace offers 4 strategies - diversified
(invests in all lending companies available), conservative (minimizes risk), high yield
(maximizes return) and custom (created by the investor). Due to the large supply of loans,
investor's funds are always reinvested into new investment opportunities.

Key figures

Total funding volume: 100M+ EUR
Interest range: up to 18%
Min investment: 5 EUR

Features

Buyback guarantee
Auto invest

Iuvo

Iuvo is a loan marketplace based in Estonia offering to investments in loans from
14 lending companies across 6 countries. The marketplace holds a credit license
from Estonia's Financial Supervisory Authority (FI). On Iuvo, investors are able to
invest in a variety of loans such as personal, short-term, business, car, and real
estate loans.

Iuvo offers investors investments manually and via auto invest. However,
Iuvo's loan market is not as straightforward as it might be for the other loan
marketplaces, which could pose difficulty for the new investors to find the loans
matching their criteria and/or set up their auto invest strategy. Thus, the loan
marketplace would be better suited for investors with some experience in the market.
On Iuvo, the investors don't have to worry about cash drag, as the loan market is
always full of new investment opportunities.

Key figures

Total funding volume: 250M+ EUR
Interest range: up to 14.0%
Min investment: 10 EUR

Features

Buyback guarantee
Auto invest
Secondary market

Viainvest

ViaInvest is a Latvian loan marketplace regulated by the Financial and Capital Market
Commission (FCMC). The loan marketplace offers investments in personal and
short-term loans all originated by subsidies of VIA SMS Group. Even though the
marketplace offers loans from 5 different lending companies, the marketplace is quite
frequently subject to cash drag - occurs when the demand for loans is larger than the
supply of loans. This is a common occurrence among smaller loan marketplaces.

Viainvest is a good option for anyone looking to make investments manually or via
auto-invest investment strategy. If you are an investor looking to deploy a certain
strategy using auto-invest, take into account that the marketplace offers only to create
your own custom strategies. This means that if you are looking for the most common
strategies (minimized risk, maximised return, or balanced risk and retrun strategies),
you will have to create them on your own, or choose another marketplace.

Key figures

Total funding volume: 300M+ EUR
Interest range: up to 13%
Min investment: 50 EUR

Features

Regulated
Buyback guarantee
Auto invest

Twino

Twino is a loan marketplace from Latvia offering to invest in loans from 3 different lending
companies all of which are part of Twino Group. The loan marketplace is regulated by the
Financial and Capital Market Commission (FCMC) of Latvia. The platform supports a variety
of loans: short-term loans, real estate loans, business loans, and personal loans.

Twino is a straightforward to use marketplace suited for anyone looking to make investments
manually or via automatically executed investment strategies. If you are an investor looking
to deploy a certain strategy using auto-invest, take into account that the marketplace offers
only to create your own custom strategies, meaning, that if you are looking for the most
common strategies (minimized risk, maximized return, or balanced risk and retetun strategies),
you will have to create them on your own, or choose another marketplace.

Key figures

Total funding volume: 1B+ EUR
Interest range: up to 12.0%
Min investment: 10 EUR

Features

Regulated
Buyback guarantee
Auto invest
Secondary market

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