ExploreP2P (@ExploreP2P) profile picture

We help investors find the best European and British P2P investments. We provide reviews, insights and ask the hard questions.

Joined June 2017
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It's been way too long since our last Mintos ratings update.🤦‍♂️The good news is that we have published a mega update today, with fresh results and analysis on 16 lenders. 😅 You can find them here bit.ly/mintosratings
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It's been way too long since our last Mintos ratings update.🤦‍♂️The good news is that we have published a mega update today, with fresh results and analysis on 16 lenders. 😅 You can find them here bit.ly/mintosratings
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Investors buy €9m of loans every month on the @Swaper_Invest P2P platform. But Swaper has never provided financials for its lending partner Wandoo and ignore us when we ask for them. Amazing they can pull in so much cash purely on the basis of a slick website and marketing
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Pretty crazy statement released by @Mintos loan originator Creditstar today. They are late passing on payments to investors ('pending payments'). They basically said we could pay the money now, 'but that would sacrifice growth and the targets we set this year' 🧵
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They also mention that they are planning to raise equity (good news) and also issue a new bond. Perhaps that is the much more likely reason for the delay to payments (they are currently short of liquidity)?
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Creditstar seems a profitable company with decent lending products and credit risk management. But it needs a much better finance team, about €25m more capital. bigger liquidity buffers, and more respect for all its P2P funders
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Yet another huge crypto site has spectacularly blown up (@FTX_Official ). It's the total wild west. That's why we've always said no to any site that has anything to do with crypto regardless of how mainstream or safe they tried to appear
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We've spent time analysing 16 new financial reports from @Mintos loan originators 😰, so you didn't have to 👍. Lots of rating changes 🔼🔽 and comments here: bit.ly/mintosratings
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High inflation, energy costs and rising interest rates create both risks and opportunities for investors. Our latest post talks about managing these risks, and which investment sites may offer some protection bit.ly/P2Preact
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@HeavyFinance & @landefinance lend to farmers who are earning record crop prices. @ReInvest24 & inRento provide rental income and also capital gains if prices continue to rise due to inflation
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Many @mintos lenders have been releasing new financial results - we've updated our ratings 🔼🔽for 10 companies this week bit.ly/mintosratings
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The @mintos platform now offers investments regulated by the EU 👍🥂 .... but the regulators made them kill the secondary market and levy withholding taxes 😠💀❌ Here's what's happening bit.ly/Mintreg
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Got to give credit to @PeerBerry & Aventus Group for how well they have responded to the impact of the Ukraine war. Very good comms, created an investor panel, & Aventus group companies have already paid back 25% of war affected loans. Impressive.
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Time again for us to highlight some interesting P2P loans, and some bad ones too. Best/worst P2P loans for April 2022, wartime edition bit.ly/BestP2PApr22
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Some investors are pretty nervous right now. Others are like....
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Our latest post is on the impact of the Russian/Ukraine conflict, and the outlook for P2P investors with exposure to the region (not good). We discuss @Mintos @TWINO_eu @PeerBerry, Kviku and @Robocash1 🇺🇦 💙 bit.ly/RussUkrP2P
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On a @mintos AMA call today were 2 investors that had used the 'conservative' auto-invest strategy. One had been allocated 90% Russian loans and the other 50% 😰. Doesn't seem very conservative....
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