Investment funds

Investments in start-ups

Angel loans

select
en
cz

Our Investment process

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.

Market Assessment

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.

Loan Selection

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.

Sizing and Risk

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.

Investment Execution

CIO approves loan
purchase. Trade executed.

Monitoring

On-going review of loan performance and service provider activities. Working with service providers to restructure loans if necessary

Find out how to invest with us
 

↑ Back To Top ↑