NEO Finance ⭐⭐⭐⭐⭐
NEO Finance is surprisingly strong platform compared to how well its known. They are a market leader in Lithuania, regulated, listed, they have a growing payment provider business and so on. Also, they don't work with 3rd party loan originators that can go bust. Internal return rate 11%.
Estateguru ⭐⭐⭐⭐⭐
Estateguru is hands down the best real estate crowdlending platform I've seen and my category favorite. Impressive amount of details on each project and thorough analysis. Profitable already in 2018. Internal return rate 11%.
Mintos ⭐⭐⭐⭐⭐
Mintos is the most loved consumer lending platform in Europe. Impossible volumes, highly liquid aftermarket, buyback guarantees - lots to love. But make sure you investigate the loan originators. My Internal return rate 12%.
Crowdestate ⭐⭐⭐⭐⭐
Crowdestate is a great alternative to Estateguru, having the most solid financials and spotless track record. Internal rate of return 17%.
Trine ⭐⭐⭐⭐⭐
The Swedish-based Trine allows you to earn decent interest while offsetting CO2. I've offset 38 tonnes of CO2 and my internal rate of return is 7%.
Robocash ⭐⭐⭐⭐
Belonging to the large and profitable Robocash Group, Robocash has a solid foundation. What I like most about Robocash is the ability to invest in full buyback guaranteed, short-term consumer loans - even just 30 days. This means liquidity is very high. My internal return rate is 14%.
Bondora ⭐⭐⭐⭐
Bondora is one of the only pure lending platforms that provide extremely high interest rates (50%+) but no buyback guarantees. A long-term investment that minimizes middle men. My internal return rate so far is 27%, but long-term will be lower, likely in the 12% range.
Crowdestor ⭐⭐⭐⭐
Crowdestor is a high risk, high return platform investing in small businesses. The amount of detail they provide is exceptional and for now they're the only SMB crowdlending platform I trust my money with. Internal rate of return has dropped from 17% to 10% during corona.
Sun Exchange ⭐⭐⭐⭐
Sun Exchange is an ingenious South-African company that lets you buy solar cells and lease them to be installed on the rooftops of e.g. supermarkets and schools. Internal rate of return should be about 7%, but your investment offsets CO2 at the same time.
PeerBerry ⭐⭐⭐⭐
A well managed consumer lending platform, PeerBerry, is a spin off from Aventus Group. A significant volume of the loans still originate from the previous parent company and thus, loan originator backed buyback guarantee is strong. Internal return rate 14%.
Swaper ⭐⭐⭐
Swaper is the product of Wandoo Finance Group and provides very short term consumer loans (30 days). Internal return rate is a high 14% and liquidity is superb. What I'm waiting for to increase the star rating is annual statements published.
Nexo ⭐⭐
Nexo pays an 8% interest to fiat deposits and their loan book is overcollateralized by borrowers' crypto assets by 200% to 500%. If the borrower cannot pay, Nexo liquidates the crypto assets to pay back the loan. They're continuously audited by Deloitte. They claim to be extremely low risk, but they are in the crypto field so.
Fast Invest ⭐⭐
Fast Invest is a consumer loan platform that has divided opinions lately. My personal experiences have been great. 12% internal rate of return, early exit feature etc. But users have found red flags in their operations, which give me pause.
