Successful investing begins with a disciplined investment process. We evaluate each P2P loan originator’s credit process and operating procedures. Based on our macro-economic analysis we select which countries and sectors in which to invest. We compare risks and reward of investment opportunities. We actively review consumer and business loans to select loans we believe are most likely to perform and which offer relatively high rates of interest. We are continually reviewing our own credit models and those of the P2P loan originators.
Evaluations of P2P platforms, their credit processes, operating standards, loan terms, types of loans issued and contractual structures.
Macro-economic research and the credit environment.
We review of profiles and borrower applications provided on the platforms. We make risk/return analysis among credit quality categories. We have proprietary screening filters to avoid loans that may be more likely to default. We make relative value comparisons to choose loans we think offer the best value in terms of risk and reward.
We allocate between business loans and consumer loans. We diversify also according to country, credit quality, loan term and platform provider.We look at the impact of default rates on the portfolio.
CIO approves loan
purchase. Trade executed.
On-going review of loan performance and service provider activities. Working with service providers to restructure loans if necessary
The material presented via this website is for informational purposes only. Nothing in this website constitutes a solicitation for the purchase or sale of any financial product or service. Material presented on this website does not constitute a public offering of securities or investment management services in any jurisdiction. Symfonie Capital, LLC is registered with the United States Securities and Exchange Commission as an Investment Advisor pursuant to the Investment Advisors Act of 1940. Our ADV filing is publicly available. © 2014 Symfonie Capital, LLC.
Investing in Peer to Peer loans and startup and early stage companies involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and it should be done only as part of a diversified portfolio. The Investments presented in this website are suitable only for investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. For further information see our discussion of investment risks.