Hello everyone and welcome to AlternativeInvestments.club, a webpage designed to share opinions, reviews and experiencies regarding the best Peer to Peer Lending platforms, Crowdfunding sites, cryptocurrencies pages and other Alternative Investments in 2023
Let’s start with our TOP P2P lending sites list, where we can have a look at best crowdlending platforms out there, their advantages, strong points and how they fit in our investment portfolio… Are you ready?
Best Peer to Peer Lending Platforms 2023
1 – HIVE5
hive5 is a relatively recently created platform that brings together unusual expertise and know-how for a young project, with the extensive background and leadership of its founders, Ricardas Vandzinskas and Andrius Rupšys, renowned entrepreneurs in the technology and fintech sector and heavyweights of crowd investmenet sector like Inga Zubanovė, former Product Manager at Peerberry, now Product Manager at hive5 or Karolina Staugaitė, former Head of Digital Marketing at Peerberry, now also part of the hive5 team.
WHY invest in hive5- Here are 5 Great Reasons Why
1) Basal investment parameters (yield, time horizon,…) well above the current market average, with one of the best risk / return ratios nowadays.
2) Large professional team behind the project with clear leadership and recognized specific experience in the alternative investment sector in their key management positions.
3) NO commissions. Absolutely “0” commissions for the investor, just as we like at this site.
4) Very accessible platform, with a very low minimum investment (10 euros), a very friendly interface and excellent Customer Service.
5) Project also for the future, with an interesting Roadmap that includes the entry of new originators, new geographies and new classes of assets, including real estate, positive impact investments, leasing, etc.
2 – MINTOS
Mintos is probably the best European marketplace for P2P and P2B lending. A company from Latvia that has been succesfully providing profits to its customers since 2015.
Comprising more than 70 loan originators and with a very strong investor community approaching the 300,000 count, this Latvian webpage has already funded loans for more than one thousand million dollars in accumulated value.
WHY invest in Mintos – The Best Crowdlending Platform
*Great offer of loans, including all types and classes (P2P, P2B, invoice trading, agricultural…).
*Great array of Loan Originators from many different countries.
*Investments from just 10 euros per loan.
*Historical returns near 12% annual.
*Most loans issued come with Buyback Guarantee
HOW Mintos Fits our P2P Investment Portfolio
Taking into account its average annual return, the Buyback Guarantee and the ENORMOUS intrinsic diversification, we can allocate a reasonable portion of our P2P Portfolio to this platform, which is going to be one of the largest in terms of investment amount.
3 – BONDORA
Bondora is a veteran peer-to-peer lending platform from Estonia which has been operating since 2008 and has become a true benchmark for many P2P platforms trying to build an investor community as powerful as the Bondorians…
With Bondora we will have access to an enormous amount of personal loans from countries such as Estonia, Finland or Spain, with double digit returns and even triple digit returns with highest risk class loan.
WHY invest in Bondora- The Best Personal Loan Investing Website
* Investments from just one euro per loan and huge diversity of operations to invest.
* Very high returns with well-adjusted risk/return ratio.
* Very easy to use for beginners but very powerful for hardcore investors.
* Wide range of deposit options, including the convenience of credit cards.
* Excelent reputation built upon more than a decade of high returns to its investors.
HOW Bondora Fits our P2P Portfolio in 2023
Bondora is the star regarding personal loans in our peer-to-peer lending portfolio: with huge diversification options and very high returns, there is simply not a better option in this asset class. Yes, it does not come with buyback guarantee, BUT the great returns make for absence of this function without any doubt.
4 – IUVO
IUVO is an excellent European personal and business loan marketplace managed by a solid business group and regulated by the Estonian Financial Supervision Authority (the equivalent of the Spanish CNMV in Estonia).
This platform offers us high returns (up to 15%) on loans with Buyback, offering a huge range of operations to invest, so diversifying quickly will not be a problem.
In addition, IUVO has additional advantages such as a great secondary market in which we can quickly sell our shares in case we need liquidity and access to crowdlending markets that are infrequent in other financial platforms and have a lot of potential, such as those in Bulgaria and Romania.
ADVANTAGES of investing in IUVO Crowdeling – Investing in Loans
*High returns on loans with Repurchase Guarantee.
*Very high supply volume, so there are always options to invest and diversify.
*Access to infrequent and potential crowdlending markets such as Romania and Bulgaria.
*Half a dozen originators and types of loans to choose from.
*Platform regulated by the Estonian Financial Supervisory Authority (equivalent to the CNMV in Spain)
How IUVO fits into our 2023 investment portfolio
IUVO is an excellent marketplace to diversify. Due to performance and variety of offer, it has nothing to envy to other platforms in this TOP 10, and it also gives us almost exclusive access to loans in Bulgaria and Romania.
In addition, the fact that it is regulated and that it is managed by a company of recognized size and prestige such as IUVO-Group is a differential factor that is appreciated.