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This review is proposed by Damien Cuyala on
🤖 Review's summary
Overall Opinion: The average yield of the analyzed projects is 13%, with good loan diversification in Malaysia and Indonesia. Loanch offers two investment options: predefined strategies or manual loan selection. I personally prefer Tambadana credit company for investment based on their financial accounts.
Loanch is an investment platform that focuses on funding short-term loans in Asia. The target interest rates are 13.50%. Loanch.com provides loans to individuals for consumption, home renovation, or unexpected expenses. The loan durations range from 30 to 90 days. Investors can either choose loans individually or let the platform manage investments through strategies. There is a buy-back protection for loans that are 30 days overdue. The platform is relatively new, launched in 2023, and registered in Hungary. The founders are Nik Sinickis and Antons Lukjanenko. The CEO has an engineering background in London. The team is young, with legal, tax, and IT functions outsourced to specialists: Karna, Orzora, and Finriser.
Total amount invested on the platform: €4.60M Amount of projects more than 6 months overdue: 0 (no change since last analysis) Amount of projects in definitive loss: 0 (no change since last analysis) Platform News: The company is registered in Hungary under RiseTech Korlátolt Felelősségű Társaság. Not regulated at the European level. Lenders' News: Lenders include Ammana in Indonesia, Tambadana in Malaysia, and Ceyloan in Sri Lanka. Monthly total number of loans on the platform: Around €87,000 per month Average yield: 13% Total interest paid: No information available yet. Total amount invested: €4.6M (with fluctuations) Monthly investments by investors: Between €50K and €88K Financial health of the platform (if financial report exists): No information available yet.
I am currently not investing on this platform. However, I am considering investing soon in the Tambadana credit company.
Personal Opinion: The Loanch project seems promising with its focus on Asian short-term loans and solid diversification. The option to manually select loans or use predefined strategies provides flexibility for investors. I am optimistic about the potential returns, especially with a preferred interest in Tambadana. Overall, I see great opportunities ahead for investors on the Loanch platform!
28 voters
👎32% 👍14% 🤷7% 🏳️46%
To vote : 
Damien Cuyala
Damien, 41 years old, I am a business manager in nuclear valves, I also have a company in the distribution of everyday products in short circuits with the credo of "made in France". I started at a young age to learn how to invest in the stock market in dividend stocks, ETFs, and from 2021 on small cap equity strategies, and recently I have been learning about options. In June 2022, I started real estate crowdfunding and I have invested a little over 73 Keuros since then, my investments are distributed across the following platforms: ClubFunding, Raizers, La Première Brique, Upstone, Baltis. I attach great importance to spending time analyzing each project before making the best decision for my investments. Finally, I also have investments in crowdlending, mainly on Lendermarket to diversify my assets as much as possible.
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