I have used about 20 different investment platforms all over Europe.
Today I invest in only 2 of them.
I keep a small investment in Mintos because they are the largest and the market leaders. The other platform I invest in nowadays is a very little known outside Spain promissory note financing platform.
I have much more invested in Crealsa.es than in Mintos. Crealsa offers very low risk and virtually no volatility. On their website you can access exceptionally detailed statistics of their performance since 2010. Yes, 9 years history! There are virtually no surprises, if Crealsa statistics say that you will have 0,40% loss a year with the mix of risk you have chosen, you will have about 0,40% loss.
Nobody else can offer this.
I am making about 6,60%. This must be judged on the very low risk / volatility because 90% of the losses are insured by a large AA rated international insurance company.
I prefer 6,60% with a known risk of about 0,40% to 10,00% with a risk that cannot be measured.
Crealsa prefinances all the loans and then offers them to its investors, close to 7,000,000 € between many hundreds of different borrowers is available for investment at any time. At the moment I have in my mix of loans 440 different borrowers. Your money earns interest straight away and when one investment is finished the same day you invest in a new one. Your money has zero idle days.
Crealsa has grown slowly, step by step, it is independently audited and is profitable. The staff is of high quality and both credit analysis and administration are top notch.
Crealsa is rated 5.0 based on
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