Crowdlending comparison (update September 2019)

It is time to freshen up the crowdlending comparison table which had a major update in July 2019.

These were the previous scores.

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 48 20 - 18.51% 0 - (20 mil. EUR) - 16 Yes - 5 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

Hereby the new comparison table.

Platform Final score Average interest rate Invested volume Buyback guarantee Collateral, personal guarantees & other Auto-invest Personal user experience
Mintos 64 10 - 12.17% 20 - 3358 mil. EUR 20 - Yes - 5 9
Envestio 48 19 - 18.24% 0 - 24 mil. EUR - 17 Yes - 5 7
Twino 41 7 - 10.35% 3 - 548 mil. EUR 20 - Yes - 5 6
Fast Invest 40 11 - 13% 0 - 13 mil. EUR 20 - Yes - 5 4
Crowdestate 38 18 - 17.88% 0 - 77 mil. EUR - 12 Yes - 5 3
Viventor 38 12 - 13.71% 1 - 100 mil. EUR 20 - Yes - 5
Grupeer 36 11 - 13.37% 0 - 57 mil. EUR 20 - Yes - 5
Swaper 35 9 - 12% 1 - 97 mil. EUR 20 - Yes - 5
PeerBerry 35 9 - 11.53% 1 - 128 mil. EUR 20 - Yes - 5
Robocash 34 9 - 12% 0 - 58 mil. EUR 20 - Yes - 5
ViaInvest 34 8 - 11% 1 - 154 mil. EUR 20 - Yes - 5
Reinvest24 32 13 - 14.60% 0 - 1 mil. EUR - 14 No - 0 5
FinBee 32 19 - 18.00% 0 - 23 mil. EUR - 8 Yes - 5
Wisefund 31 20 - 18.66% 0 - 1 mil. EUR 7 4 No - 0
Monethera 31 20 - 18.97% 0 - 1 mil. EUR 5 6 No - 0
BulkEstate 31 14 - 15.33% 0 - 10 mil. EUR - 12 Yes - 5
Iuvo 30 5 - 9.20% 0 - 80 mil. EUR 20 - Yes - 5
DoFinance 30 5 - 9% 0 - 65 mil. EUR 20 - Yes - 5
Zltymelon 29 4 - 8.65% 0 - 13 mil. EUR 20 - Yes - 5
Crowdestor 28 14 - 15.26% 0 - 13 mil. EUR 7 7 No - 0
EstateGuru 27 9 - 12.04% 1 - 143 mil. EUR - 12 Yes - 5
Flender 26 7 - 10.40% 0 - 12 mil. EUR - 14 Yes - 5
Kuetzal 25 16 - 16.50% 0 - 8 mil. EUR 6 3 No - 0
BitBond 24 11 - 13% 0 - 14 mil. EUR - 8 Yes - 5
Housers 19 6 - 9.93% 1 - 93 mil. EUR - 12 No - 0
Bondora 18 7 - 10.70% 2 - 268 mil. EUR - 4 Yes - 5
October 18 0 - 5.88% 2 - 334 mil. EUR - 16 No - 0

Below you can see the score change table with the change column.

Platform Final score Change Average interest rate Invested volume Buyback guarantee Collateral, personal guarantees & other Auto-invest Personal user experience
Mintos 64 - 10 - 12.17% 20 - 3358 mil. EUR 20 - Yes - 5 9
Envestio 48 - 19 - 18.24% 0 - 24 mil. EUR - 17 Yes - 5 7
Twino 41 -1 7 - 10.35% 3 - 548 mil. EUR 20 - Yes - 5 6
Fast Invest 40 - 11 - 13% 0 - 13 mil. EUR 20 - Yes - 5 4
Crowdestate 38 -2 18 - 17.88% 0 - 77 mil. EUR - 12 Yes - 5 3
Viventor 38 - 12 - 13.71% 1 - 100 mil. EUR 20 - Yes - 5
Grupeer 36 -1 11 - 13.37% 0 - 57 mil. EUR 20 - Yes - 5
Swaper 35 -1 9 - 12% 1 - 97 mil. EUR 20 - Yes - 5
PeerBerry 35 - 9 - 11.53% 1 - 128 mil. EUR 20 - Yes - 5
Robocash 34 - 9 - 12% 0 - 58 mil. EUR 20 - Yes - 5
ViaInvest 34 1 8 - 11% 1 - 154 mil. EUR 20 - Yes - 5
Reinvest24 32 - 13 - 14.60% 0 - 1 mil. EUR - 14 No - 0 5
FinBee 32 - 19 - 18.00% 0 - 23 mil. EUR - 8 Yes - 5
Wisefund 31 NEW! 20 - 18.66% 0 - 1 mil. EUR 7 4 No - 0
Monethera 31 NEW! 20 - 18.97% 0 - 1 mil. EUR 5 6 No - 0
BulkEstate 31 -1 14 - 15.33% 0 - 10 mil. EUR - 12 Yes - 5
Iuvo 30 -1 5 - 9.20% 0 - 80 mil. EUR 20 - Yes - 5
DoFinance 30 - 5 - 9% 0 - 65 mil. EUR 20 - Yes - 5
Zltymelon 29 - 4 - 8.65% 0 - 13 mil. EUR 20 - Yes - 5
Crowdestor 28 - 14 - 15.26% 0 - 13 mil. EUR 7 7 No - 0
EstateGuru 27 -1 9 - 12.04% 1 - 143 mil. EUR - 12 Yes - 5
Flender 26 - 7 - 10.40% 0 - 12 mil. EUR - 14 Yes - 5
Kuetzal 25 NEW! 16 - 16.50% 0 - 8 mil. EUR 6 3 No - 0
BitBond 24 - 11 - 13% 0 - 14 mil. EUR - 8 Yes - 5
Housers 19 -1 6 - 9.93% 1 - 93 mil. EUR - 12 No - 0
Bondora 18 -1 7 - 10.70% 2 - 268 mil. EUR - 4 Yes - 5
October 18 - 0 - 5.88% 2 - 334 mil. EUR - 16 No - 0

Conclusion

Mintos dominance

Most of the changes relate to the fact that Mintos gained even more investors’ attention, thus attracting 547 million EUR since July 2019 and resulting with 3.358 Billion EUR. Proportionally Mintos is dominating the market and for other platforms to get at least 1 point for invested volume column, they would need to get funding of 85 million EUR.

Added new platforms

I added three new platforms to the table. All three of them are publishing P2B loans and platforms are established in last couple of years. As they are new, my ratings are conservatively low.

They are similar to more established ones Envestio and Crowdestor, with advantage of high returns, however, I will point disadvantages below.

Monethera – in case of project default – only 35% of the principal is paid back within 30 days, rest is paid whenever and whatever debt collection results are (see BuyBack guarantee policy question in Questions by Investors – FAQ section).

Kuetzal – relatively inexperienced team and fixed fee of 10% for an early exit. As more projects coming in, yield rates are dropping as low as 10%.

Wisefund – project descriptions are surprisingly short and it is hard to find any information about companies looking for the loan.

While doing this comparison I realized that Crowdestor does not give an early exit option. Not even for a fee. Strange. I wrote the team to double check that.

As usual you are welcome to leave any comments and feedback that comes in your mind.

Lately, I have been contacted by several of you in the About me contact section, you are always welcome to do that too.

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