Blogs from runted - GP2PLending Wed, 22 May 2019 01:43:09 +0200 en-gb International Peer to Peer Lending Sites Do you want to invest money online in peer to peer lending platforms? Check our P2P lending comparison table comparing most important features across best p2p lending platforms.

Peer to Peer Lending for International Investors

Peer-to-peer lending is a contemporary name for an old practice. People (peer lenders) lending funds directly to family, friends, and acquaintances. The modern p2p website utilizes the internet to introduce borrowers and lenders investing in p2p loans worldwide.

The concept behind p2p lending international sites is that borrowers pay lower rates of interest while investors get the best p2p lending rates by simply cutting out intermediaries. When using peer-to-peer lending platforms, you eliminate banks from the equation.

This is one of the investment precincts that has grown in the financial crisis. Due to its versatility and best rates, the peer to peer lending business has surprisingly improved and proved to be a viable investment.

Why invest through a p2p lending platform?

P2P Lending is interesting because it is a fixed-income asset that is not available via other channels. Fixed-income assets mean that the terms of the investment are fixed. The duration of your investment could be 1 years for example and it is agreed before you make the investment.

The interest rate or return you should be making is also fixed and it is agreed in the loan contract that you basically sign with the borrower and it could be for example 12%. Then also the payment dates are fixed.

One thing that is very common is to have monthly repayments. Every month the borrower will pay an annuity payment that comprises of interest and principal, and over the term of the loan, the loan would be fully repaid including the interests.

International peer to peer lending sites

Nowadays P2P lending is experiencing robust growth. In this article, we would want to offer details on the best p2p lending sites open to international investors. The minimum investment in most p2p lending platforms listed below is 10 Eur. It's worth a try. You will learn along the way !

Legal Anti-Money-Laundering Law requires the platforms to verify identities of investors. In those trustworthy loan sites that are detailed below, you are qualified to invest if:

  • You've at least 18 years of age
  • You have a document to verify your identity. E.g. Utility expense, Legitimate passport or tax certificate ...

Here are the best p2p lending sites for investors


Mintos has the peer to peer lending best rates. Mintos is one of the best peer to peer lending and the biggest p2p platform. At Mintos, Latvia. Both institutional and retail investors can invest in fractions of loans.

Mintos Loan Originators

Currently, they serve small-company loans, private loans that are unsecured, secured auto loans, and home mortgages. The minimum investment in one loan is EUR 10.

They have plenty of loans to invest, and they also make it possible for just about any individual to select exactly what it desires. Since it brings together investors and loan originators like Capitalia, Mogo loans and Debifo among others. Mintos harbors some substantial distinctions to other peer to peer platforms!

Who can invest in Mintos ?


Mintos Registred Investors Overseas

Mintos accept SEPA money transfers from bank accounts or payment services in the European Economic Area and also in Australia, Brazil, Republic of South Africa, Hong Kong, India, Japan, Canada, South Korea, Mexico, Singapore and Switzerland.

If you do not have an EU IBAN account. With Transferwise borderless account you get instant international bank details to receive money from over 30 countries around the world with zero fees. That means you can get an European IBAN account to transfer money or get paid from the UK, the US, Australia, and any country in the Eurozone, and no-one pays any fees.

Fast Invest

The FinTech company Fast Invest has been operating since 2015 in the investment loan space, connecting funders with loan-seekers in a peer-to-peer exchange. With more than 8,500 daily users from 36 countries, FastInvest is quickly growing with branches planned for U.S., Hong Kong, and Singapore. You can start investing with as little as 1 Dollar or Euro. So it’s accessible to anyone, and it doesn’t matter how much money you have...

Who can invest in Fast invest



PeerBerry joins the P2P platforms in the European market. Investors can set the user interface in English and German, Peerberry is one of the easiest P2P platforms to use.

The main product is short-term loans from Eastern Europe with a maturity of 30 to 60 days. Investors never tie up their money for more than two months. This is not always possible with many other P2P platforms.

Many investors are skeptical when it comes to financing short-term consumer loans. The platform is aware of this and offers a buyback guarantee on almost all investments. This should be activated as soon as the payments for your loan are more than 60 days late. The lender buys back your investment in this case.

Who can invest in PeerBerry ?

PeerBerry is open to investors in the European Union and several other countries.


Viainvest is a Latvian p2p lending international platform of the VIA SMS Group, a fast-acting financial intermediary with 150 employees operating in 5 countries in Europe (Latvia, Sweden, Poland, Czech Republic and Spain) and headquartered in Riga, Latvia.

Viainvest is a platform with very short term loans (maximum 30 days), the most common interest rate is 10% although there are some at 12%, they do not charge any commission to the investor and have the possibility of investing p2p loans through auto invest tool.

Who can invest in Viainvest ?



DoFinance is a peer to peer investing p2p loans system for private people to invest in customer loans. DoFinance is a part of the Alfa Finance Group – an online lending and investment organization working in Asia, Transcaucasia and Europe.

Since its start in 2015, the Alfa Finance team has attracted over 150,000 customers that were registered and over € 16-million in loans issued as funding loans.

Loans available for investment on DoFinance are derived from the Alfa Finance Group. While its headquarters are located in Latvia, the Alfa Finance Group also has offices in Georgia, Poland, and Indonesia.

DoFinance aspires to become the most user-friendly and safe P2P lending platform so that everybody can participate in processes that are seemingly intricate and become his or her own economic director.

Who can invest in DoFinance ?



Grupeer is a Latvian credit platform that was launched in early 2017. This P2P platform allows you to invest in secured loans. Based on our experience, returns range from 13 to 15% pa, with credits ranging from 1 to 14 months and a 60 day buyback guarantee.

The platform is simple, it offer higher returns and it's possible to start investing from onñly € 10

Who can invest in Grupeer ?


The complete list of international p2p lending sites

Other p2p investing sites which say they accept international investors in their Terms and Conditions are Rebuilding Society in the UK, Pret union in France, Bitcoin lending platform Bitbond in Germany and peer to peer lending club and websites like prosper in the US. Here's a complete list of all the platforms.

I think we'll see a growing number of lending companies names that allows any p2p lending international investor or borrower to use these platforms.

What is the actual return that you can expect from P2P lending

Obviously, that can be a broad range because peer to peer lending sites and peer to peer companies covers a pretty broad set of different segments. You may invest in personal loans or payday loans at the beginning then you may invest in small business loans or larger business loans and it can even go to relisted loans.

Today peer to peer lending exist for quite a few years and there are international peer to peer lending sites that cover a lot of these different segments and they pay different interest rates which mean that the returns can be different.

The best p2p lending rates you can expect for international peer to peer lending sites are around 8% to 12%‎. When you compare that to what your bank would pay you on a fixed term deposit for example, in most of the cases this will be significantly more and this is what's make investing p2p loans such an attractive asset class.

Because it has a relatively better risk and return relationship than a lot of other similar assets. This is the reason why peer to peer lending is really exciting and why it's definitely worth spending time with it.

]]> (runted) COM_EASYBLOG_CATEGORY_P2P_LENDING Sun, 28 Apr 2019 21:04:00 +0200
Peer to Peer Lending Vs Stocks Do you want to invest money online in peer to peer lending platforms? Check our P2P lending comparison table comparing most important features across best p2p lending platforms.

P2P Lending vs Stocks and Bonds

Peer-to-peer lending, or most-commonly known as P2P lending, is a financing method that matches individuals and businesses who need to borrow money with others who want to invest their money without the need for any financial institution as an intermediary at an agreed fixed interest rate.

The main idea and attractiveness of peer to peer lending vs stocks is that investors get higher returns by lending their money rather than saving it; and borrowers get funds at a lower rate than traditional financing methods.

The entire process is conducted online through a number of peer to- peer lending sites or platforms. The basic function of the P2P lending platforms in long term investment is to connect borrowers with willing lenders.

In addition, the peer-to-peer lending sites perform all the credit and background checks on the potential borrowers in a pre-qualification process; and when approved, all borrowers are presented to investors to choose from.

The pre-qualification process differs from one site to another, but they are generally based on the borrower’s credit score, income, work history, and education. Peer-to-peer lending sites usually charge the investor an investor’s fee in the range of 1% of the amount borrowed and the borrowers an origination fee of 1%-5% depending on their credit rating.

P2P Lending: Useful as a Stock or a Bond

One of the biggest threats that faces your investment portfolio is the volatility associated with its components as it can destroy your profitability in the short term. Therefore, it is important to diversify the investments in our portfolios with assets that are de-correlated because when volatility increases and the markets correct, your portfolios will remain fairly dignified.

P2P Lending: Useful as a Stock or a Bond

For that reason, adding investment in bonds to investment in stocks is a shrewd strategy. Although bonds tend to give lower returns, their volatility is much lower and their returns can be considered fairly guaranteed.

To further reduce your portfolio’s exposure to volatility, an investment in P2P lending platforms in long term investment can help in achieving that goal, as has historically been the case of fixed income or gold; albeit investing in peer to peer business loans can give higher returns than fixed income or gold; with even lower volatility.

When comparing P2P lending vs the stock market, although they offer less liquidity, their returns are higher and volatility is lower.

P2P Lending is Still a Remarkable Investment

By investing in P2P lending platforms in long term investment, an individual basically offers his/her money for people to borrow. Peer-to-peer investing can be a rewarding investment as investors usually earn higher p2p lending returns than the saving accounts offer.

P2P Lending is Still a Remarkable Investment

However, as any form of investment, P2P investing comes with its own risks in the form of loan defaults; yet, these risks can be mitigated by the investor through perfectly crafting a mixed portfolio of borrowers.

Therefore, due to the current ultra-low interest rates offered on saving accounts, P2P investing is considered to be a remarkable investment.

How risky is p2p lending Compared to Dividend Investing

While P2P lending offer higher returns, they also expose the investor to higher risks. With P2P lending investing, the investor invests in a relatively unknown borrower who might default on the loan versus a well-established corporation as with the dividend yields.

Most p2p lending platforms and marketplaces provide unsecured personal or business loans, meaning there is no collateral to back the loan. The platforms use an extensive analysis of each person and business that applies for a loan taking into account many factors the likes of monthly income, are they homeowners or not, debt history, credit card payment history,….etc.


High-risk loans offer investors high-interest rates but at the same time, they have a high chance of defaulting (meaning the borrower doesn’t pay back the loan). As there is no collateral this can mean that an investor loses his invested/lent money. By diversifying your loans over many different loans with varying risks you can lower your risk…and this is what most investors do.

When the international P2P lending platform Mintos entered the market they decided to offer secured loans. Up to that moment, this had not been done on a large scale yet in the P2P lending market. And Mintos, therefore, created a great new addition to these loans.

100% Buyback guarantee secured loans will net you, as an investor, less interest than unsecured loans, but it will greatly reduce your risk as Mintos will buy back the loan whenever the borrower defaults on his payment obligations for 60 days or more. In such a situation the loan is automatically bought back by the loan originator from the investor at the nominal value of the outstanding principal, plus accrued interest income.

This is a great system that greatly reduces your risk as a lender.

Other p2p investing site which offer buyback guarantee in its Terms and Conditions is Grupeer

Here's a complete list of all the platforms.

How Peer to Peer Lending Fits with Stocks and Bonds

Being considered an independent performer; together with its low volatility, demonstrate an almost total de-correlation of peer to peer lending with the rest of the market; including stocks and bonds. This makes P2P lending a perfect fit in your investments’ portfolio with stocks and bonds.

When comparing bonds vs P2P loans, it is agreed that bonds represent one of the most solid forms of fixed income investment; however, their yields are not on the highest end. On the other hand, P2P lending are still considered a low risk investment and offers more diversification opportunities and higher rates.

On the other hand, when comparing lending club vs stock market, the former is considered as both a stock and a bond as you can either invest in the company’s stock itself or invest in a portfolio of its peer to peer loans.

In conclusion, investing in P2P loans offers a lot of advantages; including:

  • Achieving p2p lending returns that are high enough and more adjusted to risk than the classic portfolio of stocks and bonds;
  • Providing less volatility;
  • When you lend you are the first one that charges and you get the partial return which enables you to reinvest each one of the loan installments and increase your profitability.

Are Dividend Yields Better Than Peer-To-Peer Yields for Income Investors?

Comparing P2P investing with other forms of financial investing highlights the benefits of the former and why it should be considered by every income investor.

First, when looking at the dividend yields, although they are considered to be one of the least risky forms of investment, it tends to offer less returns than stocks and P2P investing.

When investing with one of the most established P2P lending platforms in long term investment, the average P2P lending return is in the range of 8%-9% versus an average dividend yield of 6%-7% on well performing stocks.

However, the main advantage of dividend yields over P2P investing is that the former is a form of long-term investment with a potentially increasing return while the latter is a short-term investment with a fixed return.

How much to invest in P2P Lending?

Due to the decorrelation between P2P lending investment and both stock and bonds, it is often advised to invest in P2P lending as much as 20% of your investment portfolio in peer to peer lending. However, and depending on the size of your portfolio, 10% investment in peer to peer lending is considered to be the minimum.

Problems that Stop People from Lending Money Online

As with all forms of online dealings, investing in P2P lending means that you do not actually know who you are dealing with. This idea deters a lot of people from investing their own money in Peer-to-Peer lending.

However, with certain strategies of how to invest in P2P lending, this risk can be highly mitigated.

First, there are certain borrower’s credit rating criteria that an investor should focus on; such as: home ownership and stable job which reflect stability and dependability; and debt to income ratio, high income and no credit inquiries which reflect their financial soundness.

Second, by diversifying the loans’ portfolio over different credit grades and of different amounts, the investor will diversify his sources of return and lower the risk of defaulting from one of them.

Saving for Retirement Changes with Age

Younger people tend to take more risks as they think they still got many opportunities ahead; however, as people get older, their tendency of taking risks becomes lower as losing your savings at an advanced age is a big problem. Consequently, people are advised to invest their money when they’re young, and then shift to protecting their savings as they grow older.

These trends draw young people more towards investing in peer to peer lending vs stocks, but as they grow older their investment preferences shift to a safer form of investment.

]]> (runted) COM_EASYBLOG_CATEGORY_CAREER_AND_FINANCE Mon, 29 Oct 2018 16:06:00 +0100
Best Peer to Peer Lending UK Do you want to invest money online in peer to peer lending platforms? Check our P2P lending comparison table comparing most important features across best p2p lending platforms in Europe and UK.

Best UK Peer to Peer Lending Platforms for Investors

The UK is renowned for its robust economic muscle. However, this has not been the case all through. A barrage of disappointing financial reports proved one of the most recent UK Recession in 2008-2009. This economic recession in the UK affected many areas including banking and investment firms.

One of the investment precincts that has grown in the UK recession is the Peer to Peer Investing UK. Due to its versatility and best rates for peer to peer lending, the peer to peer lending business has surprisingly improved and proved to be a viable investment.

What is peer to peer investing?

Peer to peer lending is the practice in which an investor, willing to give an investment loan, is matched up with a borrower. It connects the lender to the borrower through online platforms. Peer to peer lending is famous because it cuts off intermediaries.

Peer to peer lending is a dual-way in nature. Small businesses or individuals get crowdfunded loans as well as personal loans. On the other hand, lenders/investors enjoy favorable rates when investing in peer to peer lending investments.

Why invest in Peer to Peer lending investment?

As an investor in the UK, plunging in a profitable investment is vital. Peer to peer investment companies often charges a minimal rate to match you with a borrower. The low charge then lets you enjoy higher rates than savings and other investment options offered by banks. This feature makes it among the best micro investment strategies.

Peer to peer also makes you your bank. You can lend investment loans to borrowers in your own accord. However, as an investor, you should be guided by the borrowers' credit scores. Peer to peer lending in the UK has mainly grown due to this factor (ability to be your bank).

What are the benefits?

Lending money in the UK and all over the world, in general, is the primary niche that banks benefit. Therefore, when using peer to peer investment platforms, you eliminate banks from the equation. This enables you to earn best rates for peer to peer lending than other instruments. You also gain the best p2p lending rateswithout a higher risk.

Peer to peer lending companies operates with lower overhead than banking systems. The services are also cheaply. This benefit is mainly attributed to the fact that the peer to peer lending business is carried out online.

What are the downsides?

Like any other investment, Peer to peer also comes with some drawbacks. First and foremost, as an investor in the peer to peer lending, one runs a risk of default of loan repayment by the borrower. There is low insurance.

Exclusion of the banking system excludes the high trading risks carried out by banks. This adds to lack of deposit insurance. Another downside that marks peer to peer lending investment is low liquidity and volatility. The loans made are mainly long term and cannot be regained to cash quickly.

Can you get best rates for peer to peer lending?

This is a significant concern for all investors. The UK top peer to peer lending platforms rates is quite higher compared to savings and other investment instruments provided by banks. You can earn up to 5-7% annual rates. However, these lending ratesmay vary accordingly.

Do all Peer to Peer investments offer a fixed return?

The rates vary according to different peer to peer lending companies. For example, while using the Zopa investment platform, you obtain an average lending rates of 5% for defaults. On the hand, if you use another platform such as Funding circle, you only secure an average of 7% after fees and bad debts.

Best UK peer to peer lending

For an investor with a high proclivity for success, choosing the best UK Peer to Peer lending service is essential. There are various peer to peer lending companies in the UK. Here are some of the leading peer investment sites in the UK to choose. The complete list of best rates for peer to peer lending here.


Zopa is the longest running peer to peer lender in the UK. It is one of the best peer to peer lending companies. Having been launched in 2005, Zopa has accumulated around 50,000 active lenders. Zopa charges a fee of 0% - 2% of the loan to borrowers.

The peer to peer lending minimum investment is 10 pounds. Once an investor lends a lump-sum amount, it is split into many chunks that are subsequently let out as microloans. Zopa attracts an average return of up to 5% after is one of the best UK peer to peer Lending platform.


Ratesetter is another leading investment site in the UK. Ratesetter has a default rate of 0.71% and a zero fee charged to lenders. The platform provides for 10 pounds as the minimum investment and has no maximum limit. It attracts an average of 4.5% for lenders.

Funding circle

Funding circle- This is a one of the best peer to peer lending investment site. Funding circle has a default rate of 1.5% with an average of 46,000 active lenders. The site charges 1% on the loan repayments made by borrowers. The site has an outstanding 7% average return for lenders. It has no maximum limit of investment.

Rebuildingsociety is a peer-to-business lending platform with a difference. Lenders on are encouraged to engage with the business borrowers, and choose the rate at which they want to lend.

Funding secure

Funding secure is an investment site that offers up to 11.2% average returns. However, you will invest in secured loans. Funding secure is also not protected by the FSCS. Thus you have to establish your protection scheme.


Lendy is another peer to peer investment site renowned for its high rates. It offers up to 15% average annual returns to lenders. You will invest in secured loans. However, there is no insurance system so be sure to set up your protection system.

Assetz capital

Assetz capital is another popular investment platform. The account offers an attractive average return of 3.75% annually. With this platform, you will invest in business loans. It does not have a protection scheme, and therefore you'll need to invent your own.

Lend invest

Lend invest is a new peer lending platform. This site has a 0% default rate and no fee on lenders. The site attracts an average return of 7.18% for lenders. However, the minimum investment is 100pounds.This is a peer lending site on the rise.

This is just but a few of the fantastic investment platforms in the UK. They are sure to provide you the requirements to start investing immediately. Other investment sites include Alblrate, Money thing, Collateral among others. Here's a complete list of all the platforms.

How is p2p lending taxed?

Annual returns obtained from the peer to peer lending sites are taxable as income. However, interest earned on this platforms for basic rate taxpayers in interest tax-free. The innovative Finance Isa can be set up in your platform so that all interest paid by borrowers in not taxed.

Having discussed these issues, it is quite clear that peer to peer lending invest is the new revolutionary form of banking. It mandates you to be a bank of your own and thus enjoy significant changes in rates and interests.

Peer to peer lending sites revamps traditional banking into next level banking. Therefore, deciding on the best UK peer to peer lending platform is essential. It not only gives you privilege in the rates but also lets you have direct control over the economy.

]]> (runted) COM_EASYBLOG_CATEGORY_P2P_LENDING Mon, 29 Oct 2018 10:29:00 +0100