In my experience, Viainvest does not have a cash drag like other platforms. This means that you don’t have to wait a long time for suitable loans (which effectively reduces your return). Disadvantages
Overall, investors now benefit from greater security and better legal options in the event of defaults and crises. The business model naturally continues to be the financing of personal loans, but these are now grouped together in loan packages known as ‘
Investors can invest in ABS either manually or via Auto Invest functionality. Within the auto invest feature, certain investment criteria can be defined in advance and later on the returns are automatically reinvested.
It's now been over a year that I invested on the platform, and I can say that so far, everything is working as expected. My estimated annual return is at 10.91%, which makes sense as I mostly invested in loans with a yield around 11%.
However, it’s important to keep an eye on the financial performance of both the group and the platform. These figures change year by year and aren’t so generous that you can make big leaps (at least not currently).
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The P2P lending industry is a fast-moving environment. Hence, make sure to stay on top of all relevant information by subscribing to my channels on Telegram or WhatsApp.
As for all Peer-to-Peer lending platforms I add mintos to my portfolio, I also check the company itself and see what they are doing in terms of security & safety of the investors funds.
Viainvest is a classic P2P lending platform. Similar alternatives with a similar concept in this area would be the platforms Lendermarket and Esketit. These platforms also focus on P2P lending with larger corporate backing.
Even if the platform operates in a supposedly safe environment, the expected return on Viainvest is largely dependent on the performance of the individual lenders. How should this risk be assessed?
We appreciate your positive feedback regarding repayments of war-affected loans. Over the course of the 24 months of conflict, PeerBerry partners have diligently repaid investors a remarkable EUR 47.
The largest loan originator is Aventus Group, which also founded PeerBerry. Aventus operates in 18 countries across Europe and South America, making it the largest online lender globally in terms of geographic reach. It also works with a large number of other institutions.
Only if repayment problems arise at this stage, potential losses might happen to investors. This is why it is so crucial to take a close look at the financial situation of the guarantee issuer when analysing the risk.
The IBF licence is generally regarded as the accolade for the popular platform – but the transition was anything but easy for investors! In order to meet the requirements of Latvian and EU regulations, some changes were necessary, which unfortunately did not go smoothly.