lendermarket.com Reviews

Lendermarket is a peer-to-peer lending platform that connects investors with loan originators. It offers a secure environment for investors to grow their money by investing in buyback guaranteed loans. The platform is operated by Creditstar, an international finance group with a solid track record in the lending industry since 2006. Lendermarket provides a transparent and user-friendly interface for investors to browse and select investment opportunities.

Key Features of Lendermarket:

Buyback Guarantee: All loans offered for investment on Lendermarket come with a buyback guarantee. This means that if a borrower defaults on their loan, the loan originator will repurchase the loan from the investor, ensuring that the investor's principal and accrued interest are protected.

High Returns: Lendermarket claims to offer higher-than-average returns compared to traditional asset classes. The platform's historical average annual return is reported to be 15.58% since May 2019.

Auto Invest: Lendermarket provides an auto-invest feature that allows investors to set their investment criteria and automatically diversify their portfolio across multiple loans. This helps in optimizing returns and reducing the impact of cash drag.

Loan Originators: Lendermarket collaborates with professional lending companies (loan originators) who have a proven track record in the industry. These loan originators are responsible for issuing and servicing the loans available for investment.

International Loan Portfolio: Lendermarket offers investment opportunities in loans from various European countries, including Denmark, Sweden, and Finland. This geographical diversification can help in spreading the investment risk.

Investor Reviews: The platform features positive reviews from investors, highlighting aspects such as reliable returns, professional management, and the effectiveness of the buyback guarantee.

Regulatory Compliance: Lendermarket operates in compliance with relevant financial regulations and undergoes annual audits by an international auditor, Grant Thornton. This can provide investors with a level of assurance regarding the platform's operational transparency and financial soundness.

Risks and Considerations:

As with any investment, there are inherent risks associated with investing through Lendermarket. While the platform emphasizes the buyback guarantee and historical returns, investors should consider the following:

Default Risk: Despite the buyback guarantee, there is still a risk of loan defaults, especially during economic downturns or in the case of borrower insolvency. Investors should assess the creditworthiness of the underlying borrowers and the risk management practices of the loan originators.

Liquidity Risk: While the buyback guarantee provides a level of liquidity, it may not be immediate, and there could be delays in receiving funds if a loan needs to be repurchased.

Platform Risk: Any platform-specific risks, such as operational disruptions, regulatory changes, or changes in the platform's business model, should be considered.

Currency and Geopolitical Risks: For investors outside the Eurozone, there may be currency exchange risks and geopolitical factors that could impact the performance of the investments.

Diversification and Due Diligence:

To mitigate these risks, it's important for investors to diversify their investments across multiple loans and loan originators. Additionally, conducting thorough due diligence on the loan originators and staying informed about the economic and regulatory environment in the countries where the loans are issued can help in making informed investment decisions.

Regulatory Environment:

The regulatory environment for peer-to-peer lending and investment platforms can vary by jurisdiction. Investors should be aware of the regulatory framework in their own country and understand how it applies to their investments through Lendermarket.

Conclusion:

Lendermarket appears to be a legitimate peer-to-peer lending platform with a focus on providing secure and potentially high-yield investment opportunities. However, as with any investment, it's important for investors to carefully assess the risks, diversify their portfolio, and stay informed about the platform's performance and any relevant market developments. Additionally, seeking professional financial advice, especially for significant investments, is advisable to ensure that the investment aligns with one's financial goals and risk tolerance."

the reasons behind this review :
Peer-to-peer lending platform, Buyback guarantee, High historical returns, Auto-invest feature, Collaboration with professional loan originators, International loan portfolio, Positive investor reviews, Regulatory compliance and annual audits, Risks associated with investing, Default risk, Liquidity risk, Platform-specific risks, Currency and geopolitical risks, Importance of diversification and due diligence, Regulatory environment considerations, Conclusion and recommendations