Crowdlending comparison (update July 2019)

It has been some time since I updated the P2P comparison table. This article is about changes I made in crowdlending comparison table.

Most dedicated readers have probably noticed that now I use the term crowdlending instead of P2P lending. I do it to be more precise because I summarize information about both types of platforms – P2P and P2B.

Aim for the updates is to improve the transparency on risk and change weights for yields and total invested volumes in different platforms.

This is the previous comparison table version:

Platform Final score Avarage interest rate Relative investment security Invested volume Auto-invest Personal user experience
Mintos 46 11.73% 10 10 - (2000 mil. EUR) Yes - 5 9
Twino 35 10.20% 10 4 - (473 mil. EUR) Yes - 5 6
Crowdestate 34 18.73% 6 1 - (61 mil. EUR) Yes - 5 3
Envestio 34 18.73% 8 0 - (15 mil. EUR) No - 0 7
Fast Invest 33 14% 10 0 - (13 mil. EUR) Yes - 5 4
Grupeer 29 14.25% 10 0 - (27 mil. EUR) Yes - 5
Viventor 28 12% 10 1 - (77 mil. EUR) Yes - 5
Swaper 28 12% 10 1 - (62 mil. EUR) Yes - 5
Robocash 28 12% 10 1 - (58 mil. EUR) Yes - 5
PeerBerry 28 12.02% 10 1 - (66 mil. EUR) Yes - 5
Reinvest24 27 14.60% 7 0 - (10 mil. EUR) No - 0 5
Iuvo 26 9.50% 10 1 - (53 mil. EUR) Yes - 5
FinBee 25 16.00% 4 0 - (20 mil. EUR) Yes - 5
BulkEstate 25 14.27% 6 0 - (5 mil. EUR) Yes - 5
ViaInvest 25 10.05% 10 0 - (6 mil. EUR) Yes - 5
EstateGuru 25 12.24% 6 2 - (108 mil. EUR) Yes - 5
Zltymelon 24 8.90% 10 0 - (12 mil. EUR) Yes - 5
DoFinance 23 8% 10 0 - (22 mil. EUR) Yes - 5
Crowdestor 22 15% 7 0 - (3 mil. EUR) No - 0
Bondora 21 10.60% 2 3 - (201 mil. EUR) Yes - 5
BitBond 21 13% 3 0 - (15 mil. EUR) Yes - 5
Flender 21 10.40% 6 0 - (2 mil. EUR) Yes - 5
Housers 17 10.56% 5 1 - (82 mil. EUR) No - 0
Lendix 13 5.81% 4 3 - (279 mil. EUR) No - 0

Changes:

  • Updated figures of annual percentage yields and total invested volumes
  • Replaced Relative investment security with Buyback guarantee and Collateral, personal guarantees & other columns to increase the transparency of risk evaluation.
  • Changed total points given for Average interest rates and risk assessment (Buyback guarantee and Collateral, personal guarantees & other) to 20. Highest gets assigned 20 points and the lowest gets 0. The rest are given number in between according to the proportion of amounts.
  • Added Reinvest24 to the comparison list.
  • In beginning of July – added “mil. EUR” for invested volume column figures to make it more obvious.
  • Changed the layout of the table due extra columns to improve the usability.
Platform Final score Average interest rate Invested volume Buyback guarantee Collateral, personal guarantees & other Auto-invest Personal user experience
Mintos 64 10 - 12.19% 20 - (2811 mil. EUR) 20 - Yes - 5 9
Envestio 43 20 - 18.51% 0 - (20 mil. EUR) - 16 No - 0 7
Twino 42 7 - 10.60% 4 - (518 mil. EUR) 20 - Yes - 5 6
Crowdestate 40 19 - 17.94% 1 - (72 mil. EUR) - 12 Yes - 5 3
Fast Invest 40 11 - 13% 0 - (13 mil. EUR) 20 - Yes - 5 4
Viventor 38 12 - 13% 1 - (91 mil. EUR) 20 - Yes - 5
Grupeer 37 12 - 13.46% 0 - (48 mil. EUR) 20 - Yes - 5
Swaper 36 10 - 12% 1 - (82 mil. EUR) 20 - Yes - 5
Robocash 35 10 - 12% 0 - (58 mil. EUR) 20 - Yes - 5
PeerBerry 34 9 - 11.42% 0 - (9 mil. EUR) 20 - Yes - 5
Reinvest24 33 14 - 14.60% 0 - (1 mil. EUR) - 14 No - 0 5
FinBee 32 19 - 18.00% 0 - (23 mil. EUR) - 8 Yes - 5
BulkEstate 32 15 - 15.49% 0 - (8 mil. EUR) - 12 Yes - 5
ViaInvest 32 7 - 10.50% 0 - (6 mil. EUR) 20 - Yes - 5
Iuvo 31 6 - 9.50% 0 - (69 mil. EUR) 20 - Yes - 5
DoFinance 30 5 - 9% 0 - (65 mil. EUR) 20 - Yes - 5
Zltymelon 29 4 - 8.73% 0 - (12 mil. EUR) 20 - Yes - 5
EstateGuru 28 10 - 12.17% 1 - (130 mil. EUR) - 12 Yes - 5
Crowdestor 28 14 - 15% 0 - (8 mil. EUR) 8 6 No - 0
Flender 26 7 - 10.60% 0 - (10 mil. EUR) - 14 Yes - 5
BitBond 24 11 - 13% 0 - (14 mil. EUR) - 8 Yes - 5
Housers 20 7 - 10.56% 1 - (89 mil. EUR) - 12 No - 0
Bondora 19 8 - 10.70% 2 - (239 mil. EUR) - 4 Yes - 5
October 18 0 - 5.97% 2 - (318 mil. EUR) - 16 No - 0

Here you can see the change in scores. All are increased except Bondora (-2).

Platform Final score Change Average interest rate Invested volume Buyback guarantee Collateral, personal guarantees & other Auto-invest Personal user experience
Mintos 64 +18 10 - 12.19% 20 - (2811 mil. EUR) 20 - Yes - 5 9
Envestio 43 +9 20 - 18.51% 0 - (20 mil. EUR) - 16 No - 0 7
Twino 42 +7 7 - 10.60% 4 - (518 mil. EUR) 20 - Yes - 5 6
Crowdestate 40 +6 19 - 17.94% 1 - (72 mil. EUR) - 12 Yes - 5 3
Fast Invest 40 +7 11 - 13% 0 - (13 mil. EUR) 20 - Yes - 5 4
Viventor 38 +10 12 - 13% 1 - (91 mil. EUR) 20 - Yes - 5
Grupeer 37 +8 12 - 13.46% 0 - (48 mil. EUR) 20 - Yes - 5
Swaper 36 +8 10 - 12% 1 - (82 mil. EUR) 20 - Yes - 5
Robocash 35 +7 10 - 12% 0 - (58 mil. EUR) 20 - Yes - 5
PeerBerry 34 +6 9 - 11.42% 0 - (9 mil. EUR) 20 - Yes - 5
Reinvest24 33 +6 14 - 14.60% 0 - (1 mil. EUR) - 14 No - 0 5
FinBee 32 +7 19 - 18.00% 0 - (23 mil. EUR) - 8 Yes - 5
BulkEstate 32 +7 15 - 15.49% 0 - (8 mil. EUR) - 12 Yes - 5
ViaInvest 32 +7 7 - 10.50% 0 - (6 mil. EUR) 20 - Yes - 5
Iuvo 31 +5 6 - 9.50% 0 - (69 mil. EUR) 20 - Yes - 5
DoFinance 30 +7 5 - 9% 0 - (65 mil. EUR) 20 - Yes - 5
Zltymelon 29 +5 4 - 8.73% 0 - (12 mil. EUR) 20 - Yes - 5
EstateGuru 28 +3 10 - 12.17% 1 - (130 mil. EUR) - 12 Yes - 5
Crowdestor 28 +6 14 - 15% 0 - (8 mil. EUR) 8 6 No - 0
Flender 26 +5 7 - 10.60% 0 - (10 mil. EUR) - 14 Yes - 5
BitBond 24 +3 11 - 13% 0 - (14 mil. EUR) - 8 Yes - 5
Housers 20 +3 7 - 10.56% 1 - (89 mil. EUR) - 12 No - 0
Bondora 19 -2 8 - 10.70% 2 - (239 mil. EUR) - 4 Yes - 5
October 18 +5 0 - 5.97% 2 - (318 mil. EUR) - 16 No - 0

Conclusion

After changing weights for invested volumes, more realistic view showed itself. All platforms combined does not reach Mintos total volume.

Mintos – 2.811 billion EUR

Rest of the platforms – 1.903 billion EUR

In fact the rest combined, is only around 68% of the top one. This is a good reflection on what investors consider most reliable. If you want more information on Mintos individual loan originator scoring you can check this useful resource.

Finally, I thank you all for contributing with feedback for crowdlending comparison. As previously, please let me know if you see more space for improvement. Any comments are much welcome.

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