After 15 months of active testing, our experience with PeerBerry has been largely positive. The platform delivers on its core promises of consistent returns, geographic diversification, and reliable buyback guarantees.
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I have invested small stakes in both Peerberry and Mintos to start off with but would appreciate your thoughts on the following two questions:
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Most competitors offer such a marketplace and thus help investors to get out of a loan quickly in an emergency. When you invest, you are completely dependent on the success of the ViaSMS Group. As this is the only lender on the platform, all loans logically originate from this company. In the event of economic difficulties, your capital could be at risk.
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Also, bondora note that all the loans proposed on the platform are already pre-funded, meaning that you will never have money 'sitting' in a loan and then returned to you because not enough investors wanted to fund this particular loan, so that's pretty neat as well.
With Viainvest, you can only invest in private loans from the ViaSMS Group. This makes you dependent on their success; at the same time, however, it also makes due diligence easier. A quick glance is enough to realise that the Group has always been profitable – with the exception of the COVID crisis year 2022 – and recently recorded profits in the millions. The signs are pointing to growth here, so investors do not need to worry about stability at the moment. Based on my experience in the P2P market, I would therefore describe Viainvest as one of the most exciting providers. Personally, I will therefore triple my investment on the platform this year!
With an interest rate of 13 per cent and good security from the profitable parent company, Viainvest is definitely worthwhile. Investors who can bear the basic risk of P2P loans achieve high returns here.
The COVID crisis shook the financial markets and did not leave Viainvest unscathed. The company opted for a more cautious approach and, for example, recognised provisions to compensate for possible loan defaults. Together with other measures and additional costs, this led to a small loss of around 280,000 euros in 2020. Viainvest thus manoeuvred comparatively well through this difficult period.
Viainvest is one of the few platforms in the European P2P market to levy a withholding tax. Although this is only 5 per cent and can be avoided in some cases with a certificate of residence, it is still a very unpleasant and annoying burden.
The biggest income stream is generated by the commission fee (58%) which derives from the lending operations.