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Lendermarket is a crowdlending platform, connecting investors with consumer credit companies. The platform has been in existence since the year 2019. Its headquarters are located in Dublin, Ireland. The platform is owned by the holding company SA Financial Investments, located in Tallinn, Estonia. Link to the company register: SA Financial Investments OÜ. This holding company owns the companies Lendermarket and Creditstar, represented by a single shareholder named Aaro Sosaar, who is also the founder. At the moment, the platform is not regulated under ECSP (European Crowdfunding Service Provider) regulations. Minimum investment per loan: 10 euros. Minimum withdrawal: 50 euros within 48 hours (on average), maximum 3 days.
The investor holds a simple fixed-rate loan. It is a classic debt instrument for peer-to-peer personal loans (P2P). They pay interest fixed at issuance according to a predefined periodicity until maturity.
This review is proposed by Damien Cuyala on
Il y a 388 millions € de montant total investi sur cette plateforme
Montant de projets en retard : non communiqué
Montant de projets en perte de définitive : 0% de pertes définitives
Nous avons au total 5 émetteurs de prêts sur la plateforme avec Créditstar, Credifiel, Dineo, Quickcheck, Rapidcredit.
Quelques chiffres clés des sociétés de crédits présentes sur la plateforme (les bénéfices) :
Credifiel : 2,1M de pesos Profit 2023
Dineo : 858.525€ Profit 2022 (Pas d'informations sur 2023)
Quickcheck : 961328$ (Profit 2022 pas d'informations sur 2023) - Belle progression.
Rapidcredit : 4,29M de Pesos colombien
Creditstar : 1574000€ (4è trismestre 2023)
La plateforme est toujours en attente de la Licence ECSP, le suivi de cette Licence peut être vérifié sur le blog de la plateforme.
Actualité sur les émetteurs de prêts :
Le dernier émetteur de prêt qui est entrée sur cette plateforme est La société colombienne RapidCredit (Septembre 2023)
Evolution du nombre de prêts totaux mensuels de la plateforme, accès ici : 👆
rendement moyen de la plateforme 15,64%
Total des intérêts payés : 16,6 million €
Montants investis par les investisseurs mensuellement pour février 2024 : 8.3M€
J'investis sur la plateforme depuis mi-2023
J'ai au total plus de 22500€ d'investissements
Ma stratégie actuelle est axée principalement sur les émetteurs de prêts autre que créditstar. Je privilégie principalement Quickcheck, Rapidcredit et Dinéo. Créditstar a pour le moment des difficultés de liquidités qui ne sont que temporaire liés à sa précédente levée de fond obligataire de fin 2022 qui ne s'est pas déroulée comme prévu et qui a causé à Créditstar une chûte de sa trésorerie pour rembourser Mintos. Elle a donc mise en place les "pending payment" rémunéré à 18%, et le smartsaver, le temps de reconstruire une trésorerie lui permettant ensuite pouvoir rembourser les investisseurs de Lendermarket.
Notons que creditStar Group a déjà remboursé 30% des paiements en attente aux investisseurs chez lendermarket et cible un remboursement total, ce qui est encourageant.
A noter que Mintos avait subi le pending payment de Crédistar bien avant Lendermarket et les investisseurs de cette plateforme ont été honoré de leur remboursement en totalité durant septembre 2023.
Le rapport financier indique un perte sur l'année 2021 de 600K€, depuis nous n'avons pas reçu d'actualisation du compte de la société, toutefois la holding gère cette perte par les bénéfices générées par la société Créditstar et par la société Smarsaver et la stratégie d'ajouter de nouveaux émetteurs de prêts autre que créditstar a permis à Lendermarket de pouvoir générer de nouvelles ressources financières.
The average expected yield of projects is 10%
Yields are calculated based on the projects analyzed on this site and not on all projects.
⚠️ The higher the yield, the higher the risk.
✅ Lendermarket has a buy back guarantee
In P2P lending A buyback guarantee is a guarantee provided by a loan originator regarding a specific loan. If repayment of that particular loan is delayed by more than a specified number of days (usually 60), then the loan originator is obligated to buy back the loan.
⚠️ Information about delays of more than 6 months is not available for Lendermarket
⚠️ Information on permanent losses is not available for Lendermarket
The minimum amount to invest is 50€.
Lendermarket has a low minimum amount to invest.
🌎 The financial income are taxable in the investor's country of tax residence.
In France, since January 1, 2018, income from movable capital as well as capital gains from securities sales are subject, when taxed, to a flat-rate withholding tax (PFU) of 12.8%, to which social security contributions of 17.2% are added, making a total rate of 30%.
However, you can choose, when declaring your income, for a global taxation of these income and gains at the progressive income tax rate by checking box 2OP. You may be exempted from the portion corresponding to the flat-rate withholding tax of 12.8% for income tax purposes if your reference fiscal income for year N-2 was less than €25,000 (€50,000 if you are married). When making your declaration, you have the option to maintain the choice for taxation at 30%, or to submit your capital gains to the progressive income tax rate (to which 17.2% social security contributions will be added).
➡️ Search for previous reviews of chez Lendermarket
A real estate crowdfunding operation involves several categories of risks:
➡️ Operational Risk: human errors, incompetence, material shortages, delivery delays, poor management, accidents on site, provider bankruptcy...
➡️ Technical Risk: unpleasant surprises during soil and foundation studies, pollution, thermal, acoustic issues...;
➡️ Administrative and Legal Risk: difficulties in obtaining a fully cleared building or development permit, administrative authorizations, Financial Completion Guarantees, Construction Insurance, or All-Risks Site insurance, compliance of sales documents, poorly assessed urban planning authorizations;
➡️ Financial Risk: poor cost analysis, budget overruns, lower profit margins, obtaining bank credit, etc.;
➡️ Commercial Risk: insufficient pre-marketing, insufficient local market study (prices, needs, location...), delays in lot sales (commercialization), neglected suspensive conditions, unfavorable market evolution, risky sales strategy, overly optimistic exit prices, etc.
Beyond the analysis of the real estate project itself, crowdfunding platforms examine the financial and operational strength of the companies participating in the operation, which also face potential risks, mainly financial.
The evaluation thus focuses on numerous criteria, including:
➡️ Legal and Financial: capital structure, ongoing disputes, income statements and financial statements, solvency, profitability, liquidity, level of equity, etc.
➡️ Operational: organizational chart, experience of the executives, history of successfully completed operations, quality of previous programs, reputation, etc.
➡️ Financial Statements: financial statements (balance sheet and income statement) of the operator must be analyzed to determine its financial health.
➡️ Fraud: The operator may file for bankruptcy fraudulently or abscond with funds, which is why guarantees on cash flows are necessary.
Even with good preparation, it is impossible to anticipate climatic events (flooding, frost, storms...), macroeconomic factors such as sudden changes in property prices or interest rates, high inflation, etc., or legislative changes (regulatory modifications, taxation changes...), or situations of war. These risks are difficult to control. It is essential that operators have taken out the necessary insurance and that sufficient financial margin is planned to cope with potential contingencies.
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