Here it is possible to see different investment crowdlending platforms and their comparison.
Made a quantifiable analysis which resulted in “Final score” column.
| 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 | |
| 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 | |
| Kuetzal (fraud?) | 0 | 16 - 16.50% | 0 - 8 mil. EUR | - | - | No - 0 |
Average interest rate – maximum gets 20 points. Minimum gets 0. Rest get points in between spread proportionally.
Invested volume (million of EUR) – 0 to 20 points based on current highest invested volume, rest get points in between spread proportionally.
Buyback guarantee – 20 points if buyback guarantee is available.
Collateral, personal guarantees & other – 0 to 20 points are given according to the to different guarantees issued for loans.
Max of 20 points can be given in case both Buyback guarantee and Collateral, personal guarantees & other are filled. Usually this is for P2B platforms with special buyback policies.
Auto-invest – 5 points if exists, 0 if does not.
Personal user experience – 0 to 10 points given after evaluation of lending platforms I have invested in.
Last updated on 12th of December, 2019.