MONCERA Opinions 2020

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Moncera (initially known as Bancera) is a new Estonian crowdlending platform that offers on its website the loans of the well-known Originator Placet Group , a company specialized in personal loans -also present in Mintos with a very good rating (“A -“) – created in 2005 and that allows us to access operations with a total Buyback at 30 days and returns in the range 10 – 12%

In this review we share all our opinions about the platform as users of it… Don’t miss it!

LOGO
PLATFORM
MONCERA
TYPE
Marketplace
COUNTRY
Estonia
AVERAGE NET PROFITABILITY
13%
START ACTIVITIES
2020
MEDIUM TERM
12 months
MINIMUM INVESTMENT
10 euros
DEPOSITS AND WITHDRAWALS
Wire transfer
AUTO INVEST?
YES
BUYBACK?
YES
SECONDARY MARKET?
NO (Early exit / direct sale available)
WELCOME BONUS
NO
DESCRIPTION
GLOBAL ASSESSMENT
MORE INFO
ATTENTION: Join us and sign up NOW on this new crowdlending platform using our exclusive link and you will get the best cashback promotion (if available).

 

Moncera Opinion – Critical Performance Parameters – Is it safe, reliable …?

PROFITABILITY: Moncera offers returns on Placet Group loans 1 or 2 points higher than those offered by Mintos from this same originator. Currently, this annualized profitability can reach up to 14%, above the average for the sector.

RISK: All Moncera operations are covered by the Originator Placet Group’s Buyback Guarantee, which is total (principal + interest) and is executed within 30 days of default. It should be noted that Placet is one of the best Mintos Originators, and that it has presented more than 2 million euros of profit in its latest accounts.

CONFIDENCE:  Although it is true that the “Moncera” brand is a newcomer to the P2P platform arena, its agreement with Placet, publicly confirmed by them, can give it the added confidence to start having them in our crowdlending portfolio.

DIVERSIFICATION:  Despite having a relatively high number of different operations in the primary market, we must be aware that in the case of Moncera – at least for the moment – all loans will come from Placet Group.

LIQUIDITY:  One of Moncera’s strengths is liquidity, and that is that it offers the “One-click Exit” functionality, through which we can get out of a specific loan at any time and have the money invested in our account immediately. This operation is free for the first 14 days from the loan acquisition (Cool-off period) and then has a cost of 0.5%

Moncera Review – What It Is and How It Works 

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Moncera is a traditional crowdlending marketplace -similar in style and functionalities to the majority of Latvian and Estonian platforms to which we are accustomed- that was born centered on the Originator Placet Group, a company founded in 2005, with more than 1.5 decades of experience and one of the main non-bank credit institutions in Estonia whose main business is personal loans to individuals.

In Moncera we can invest both manually and through its simple Auto-Invest, in both cases from just 10 euros per operation . All operations have a 30-day Buyback that covers 100% of capital and interest , and although it does not have a secondary market, at any time we can request the early withdrawal of our loans with a maximum penalty of 0.5% of the amount invested.

Opinion Moncera P2P Lending Review

Moncera is an interesting addition to the list of classic crowdlending platforms that gives us access to advantageous conditions in terms of performance and liquidity -compared with other marketplaces such as Mintos- to participate in the operations of Placet Group , nowadays one of the P2P Originators best rated.

Moncera Advantages – Strengths

➊ Average returns of 12% in a quality originator such as Placet Group.

➋ Option to exit our investment early at any time (free of charge for the first 14 days, then 0.5%)

➌ 100% Buyback coverage (capital and interest) by Placet for our operations.

Weaknesses and Aspects to improve

➊ Platform for the moment mono-originator, with which – for better or for worse – we can only invest in Placet operations.

➋ It is a relatively recent investment website, which is still building its user base. It remains to verify their performance and long-term performance.