This is a brief explanation of our P2P Lending Compare Table in English, you can find the full original version in Spanish here.
This table compiles at a glance all the relevant information regarding the (50+) crowdlending and alternative investment platforms we have reviewed in TodoCrowdlending.com and analyzes the following parameters:
Índice de Contenidos
1 – General Information
NOMBRE (NAME): Name of the platform TIPO (TYPE): Category of the platform. The options are:✰ MKT: Marketplace, a general, all-purpose platform, which includes several kinds of loans such as Peer to Peer lending, Business Lending, Crowdfactoring, etc.
✰ INV: Crowdinvesting, focus on high yield and specific projects
✰ P2P: Focus on P2P, normally unsecured loans
✰ CRI: Real Estate Crowdfunding
✰ P2B: Focus on Business Loans
✰ SUP: Equity Crowdfunding and Investment in Startups
✰ ITR: Invoice trading and crowdfactoring
✰ SOL: Impact Investing, ethic and solidarity crowdlending
PAÍS (COUNTRY): Country where the company is registered and usually has its main office. RENTAB (ANNUAL RETURN): Expected average annual return for a well-diversified portfolio in the long-term taking into account losses from defaults -if applicable- and comissions -if applicable-. Just an estimation. INICIO (FIRST YEAR): Year when the company started online operations. PLAZO (AVERAGE LOAN DURATION): Average loan maturity period in months. MÍNIMO (MINIMUM INVESTMENT): Minimum investment per loan in euros. VOL. M€ (VOLUME): Total Volume of Loans Financed in the platform in Millions of euros. INVERSORES (INVESTORS): Number of investors registered in the platform.2 – Functions and Features
D&R (DEPOSITS AND WITHDRAWALS)✰ 1 = Bank Transfer
✰ 2 =Bank Transfer + Credit Card
✰ 3 =Bank Transfer + Cryptocurrencies (Bitcoin, Ethereum,…)
AUTO (AUTOINVESTMENT)✰ 0 = Not Available
✰ 1 = Available
BUYB (BUYBACK GUARANTEE)✰ 0 = Not Available
✰ 1 = Available
MSEC (SECONDARY MARKET)✰ 0 = Not Available
✰ 1 = Available
VEN. DIR. (DIRECT SELL)✰ 0 = Not Available
✰ 1 = Available
TRAD (TRANSLATION TO SPANISH)✰ 0 = Not Available
✰ 1 = Available
BON+ (BONUS AVAILABLE FOR NEW INVESTORS?)✰ 0 = Not Available
✰ 1 = Available
“0”COM (PLATFORMS WITH NO COMISSIONS FOR INVESTORS IN BASIC FUNCTIONS?)✰ 0 = No
✰ 1 = Yes
RET (TAX RETENTION POLICY)✰ 0 = No tax retention
✰ 1 = Tax retention
✰ 2 = Special cases
CR. ETICO (IMPACT INVESTING)✰ 0 = No
✰ 1 = Yes
3 – Performance
REN (GROSS RETURN): From 1 to 5, the more, the better (greater potential returns). RIE (RISK): From 1 to 5, the more, the better (more guarantees, less risk). CON (TRUST): From 1 to 5, the more, the better (greater trust, more regulation, more years active, etc.). REN (GROSS RETURN): From 1 to 5, the more, the better (greater potential returns). DIV (DIVERSIFICATION): From 1 to 5, the more, the better (more asset classes to invest, more assets per class, fewer minimum investment). LIQ (LIQUIDITY): From 1 to 5, the more, the better (easier to recover the money invested). STARS (FINAL SCORE): From 1 to 5, the more, the better (better platform in general terms, it takes into account all variables mentioned before including features and performance variables + several modifiers).
