International P2P Lending Volumes December 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of Geldvoorelkaar* (the high increase of volume is most likely the result of the platform merger with the platform AndersFinancieren) and Peerberry*. The total volume for the reported companies in the table adds up to 591 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Milestone achieved this month:

  • Folk2Folk crossed 500M GBP loans originated since launch

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistics december 2021
Table: P2P Lending Volumes in December 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*.

Notice to p2p lending services not listed: Continue reading

Zopa Ends P2P, Buys back P2P Loan Portfolio

British Zopa announced it will close the p2p lending operation for retail investments. After 16 years the pioneer of p2p lending says they deliberated several options for how to close the P2P side of the business in a way that delivers the best outcome for their customers. After careful consideration, they have decided that the best way forward is the sale of all retail investor portfolios at full value. This will lock in the interest earned by investors so far and ensure the timely return of their money. Zopa Bank will be buying the P2P loan portfolio and P2P customers will receive their investment balances back by the end of January.

Zopa says ‘over the last few years, customer trust in P2P investing has been damaged by?a small number?of?businesses?whose approach led to material losses for retail investors. Linked to this, the changing regulation which followed raised the operational costs of running a P2P business, as well as the cost of attracting new investors to the Zopa platform. To offset these increased costs and ensure we have a sustainable and profitable business, we’d need to reduce investor returns to a point where they’d no longer be attractive and commensurate with the risk that investors take on.’

The last step: ‘By 31 January 2022 our investors will receive the full value of their invested balances in their Zopa holding accounts. This means that no investor will miss out on any of the interest they’ve already built up. There will be no impact on borrowers as Zopa Bank already services them and their loans will continue unimpacted.’

Zopa has lent over 6 billion GBP in p2p lending loans. In 2016 it applied for a banking license which it received in 2019.

Several other UK p2p lending companies took similar steps earlier and closed their platforms for retail investors and focussed on institutinal investors.

International P2P Lending Volumes November 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of  Peerberry* and Fellow Finance*. The total volume for the reported companies in the table adds up to 484 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Milestone achieved this month:

  • Bondora* crossed 500M EUR loans originated since launch
  • Soisy* reached 50M EUR loans originated since launch

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic november 2021
Table: P2P Lending Volumes in November 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

International P2P Lending Volumes October 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of  Peerberry* and Fellow Finance*. The total volume for the reported companies in the table adds up to 477 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic October 2021
Table: P2P Lending Volumes in October 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

International P2P Lending Volumes September 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of  Peerberry* and Estateguru*. The total volume for the reported companies in the table adds up to 421 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Milestones achieved this month:

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic September 2021
Table: P2P Lending Volumes in September 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

Landex – Easily Invest in European Farmland and Forestland

Looking to diversify into an asset class with solid security, interesting yield and less volatility? Lots of people have been investing in property for that purpose – however farm land and forest land has been outside the scope of most private investors bar the ultra-rich so far.

The newly launched startup Landex* (please use referral code 3SHWP, thx) now gives everybody access to this interesting asset class by enabling investments into European land starting from 10 EUR.

Landex value development

All the details of how the processworks are on the Landex* website, so here are just some excerpts.

From the whitepaper:

Land types provided on Landex
Landex wants to give investors a wide choice while doing thorough due diligence. Landex is well-equipped to
assess and have listing of the following land types:

  • Farmland – typical farmland investment where we lease the land to farmers
  • Forestland – we manage the forestland and sell the crops
  • Carbon land a subcategory of all the above, lands that have a significant part of their returnscoming from carbon income. Regenerative agriculture, reforestation lands and improved forest
    management, etc.
  • Biodiversity land types of lands that do not have a commercial crop. Naturally protected areas, wetlands (swamps, mangroves), natural grasslands, etc.
  • Development land land purchases with the idea to turn them into residential or commercial areas

The whole process is managed through the Landex app (available for iOS and Android).

After registering, I deposited 100 EUR to gain first experiences and then went through the verification process on the smartphone (which is conducted by Veriff and was completed in 2 minutes in my case).

Then I was ready to invest. I browsed the details of the 2 land plots on offer and invested 40 EUR in the farmland plot and 20 EUR in the forest land plot.

landex screenshot landex invest screenshot landex portfolio screenshot

As it is of course impossible to buy whole plots for the amount I invested, Landex is based on crowdfunding with multiple investors financing a purchase through an SPV and fractional ownership.

Why invest in land?

I like it for the following factors. It is a scarce ressource, that is limited and cannot be inflated. Land is an economic asset that has been bought, sold and used for centuries offering high security. It’s price is much less volatile than other assets (e.g. stocks or houses). While the yield is primarily generated in value appreciation is does generate some yearly income too as most plots are rented out.

Landex has just launched. The next development steps are introduction of an autoinvest feature and a secondary market. Landex does not charge any fees for investing, but optional usage of the secondary market will incur a small fee.

Landex uses a refer a friend feature, where investors can invite further investors. For each referred investor you get 10 EUR bonus that can be used to invest in land. If you need a referral code to sign up at Landex* please use code 3SHWP, thank you.

landex invest in land