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@@mircozanetti7956 We might do that but not based on other countries but rather based on the team's experience and the business model behind the platform.

The only way is to invest manually during the morning hours.

It is a good platform. Personally, I manually invest in loans secured with collateral that is in the lending company's possession. I have had a 0% default rate during 3 years of investing, and the average annual interest rate is 12%.

@@gabriel-catalincristescu3596 what kind of collateral?

@@gabriel-catalincristescu3596 How do you filter on this?

Portfolio Performance and Google Spreadsheets

As mentioned, Bondora has met its obligations to Go & Grow users so far. Last month, the CEO was interviewed on CZcams, and he shared that the company isn't required by the regulator to disclose relevant statistical data or its outstanding portfolio amount.

@@P2PEmpire In your opinion, is it not safe to invest in it?

What problems iuvo had?

many Russian loans not repaid for more than 2 years, therefore non-compliance with the 60-day redemption guarantee @@stilianstoilov3728

That's correct but it is a risk factor to consider. Small P2P lending marketplaces have even less resources available to deal with potential problems.

been using for last 4 years and no complains. works great

@@user-cs6eh8un8i Wow, they finance 100% of the portfolio in PL and Spain through Hive5 😳

@@rdaoud3474 I think it's reasonable if the offered loans match your investment strategy.

@@P2PEmpire so far yes even though more than 35% of my investment is on esketit followed by PB then robocash then fintown. That's why I am skeptical but given the low cashdrag on esketit and their financial situation, it is still feeling right

It's crap, plain & simple 😂

I've been with the platform for roughly a year now, and I've never had a late loan. At this point, my portfolio consists entirely of short-term loans from their Spanish loan originator. They also offer business loans to fund the newly established loan originator in Romania. Their Spanish loan originator began listing short-term loans in March 2024 (about three months later than initially planned). In addition, the platform lists business loans from their Polish loan originator which I do not invest in. Some have a 30-day repayment period, and others a 90-day repayment period. The description of these loans states that they are meant to cover "operational costs and business expansion" of their Polish loan originator. I would appreciate more transparency on this topic since Poland now has a new law prohibiting the financing of consumer loans with foreign capital. However, the law exempts business loans. -- It's no secret that the vast majority of the loans offered on Hive5 before 2024 were short-term loans from their Polish loan originator. They needed to adapt quickly, and I would definitely like to hear more details about how they've tackled this challenge. Their blog posts mainly consist of positive news and self-affirming PR messages. Annual financial statements for the previous year are typically released in the summer of the current year. However, as of August 2024, I have yet to see the full report for 2023. Quarterly reports for 2024 also remain unreleased. The investor portal feels a bit slow. Every action I initiate takes about 3-5 seconds, yet there's no loading animation. There's definitely some technical debt there. There's no cash drag; the auto-invest tool reinvests your funds within a day or two. If you make a large one-time deposit, they require you provide proof regarding the source of your funds. I'm told this is something their bank requires to prevent money laundering.