Grupeer Review

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Grupeer Review

Investors [08.2019] Investments [08.2019] Founded Country
investors13’748 investments51.9 M EUR founded2017 latvia flagLatvia
Grupeer is a crowdlending platform where you can invest in business and real estate loans across worldwide countries (e.g. Finland, Denmark, Spain, Russia, Philippines). You will lend money to borrowers in exchange for monthly interests. The platform offers returns of 13.5% average (which is more than the 12% p2p lending market average) with loans ranging typically from 10% to 15% ROI.

All investments come with BuyBack guarantee, which means that if a  borrower doesn’t pay you back your investment, this feature will kick-in to give you back your investment. In this platform case, it happens after 60 days.

When selecting an investment, information are provided such as the borrowing company information, investment description, ROI, repayment plan). Mostly projects provide you monthly interests and you receive back your invested amount (principal amount) at the end of the investment term.

Here is how the platform works:

  • The credit companies (that we commonly call “loan originators”) receive application from people that need to borrow money for example for a car, real estate, business or for personal expenses.
  • The Grupeer Marketplace displays open loans to investors once they have been risk-assessed (solvency) and validated by the credit company.
  • Investors (private or companies) view in the marketplace the list of open loans for investment and select the ones they want to invest in
  • Once the investor buys a share of a particular loan, a cession agreement is issued to the investor including the loan collateral (The collateral is an asset that a lender accepts as security for a loan. If the borrower defaults on the loan payments, the lender can seize the collateral and resell it to recoup the losses.)

how works grupeer

Here is how it works if an investment defaults:

  • Given that all loans agreements are guaranteed by a BuyBack condition
  • If a borrower withholds a payment for more than 60 days
  • Then the related credit company (loan originator) has to buy back from the investor his share in this loan
  • Loan originators are required to invest at least 5% in the loans they issue, to mitigate risks. Technically we call it a 5% skin in the game.

grupeer buyback how it works

Pros & Cons

Pros Cons
+ High-interest rates (~13.5%)
+ Buyback guarantee on all loans
+ Periodical cash-back investments (1%)
+ Detailed investment information
+ Multiple loan originators (>20)
+ Multiple investment countries (>10)
+ Auto-invest available
– Medium-sized platform (lower track record)
– Periodical low loan volumes
– No secondary market for early withdrawal
– Small investment statistics

Investment details

Investment currencies EUR
Return on investment (ROI) 13.5%
Minimum investment € 10
Investment period 1 – 21 months
Default rate 0%
Investment fees 0%
BuyBack guarantee Yes (60 days)
Auto-invest Yes
Secondary market No
Trustpilot Score (Safety) 7.6/10  

Investment types

personal loansPersonal loans real estate loansReal Estate loans business loansBusiness loans

Investment example

grupeer investment example

Investment result forecast

Below you will find the resulting forecast when investing using Grupeer compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using Grupeer for 15 years you might end up with €6’682 (€4’285 more than with the stock market).

Welcome bonus – affiliate/referral link

You can register to Grupeer by clicking the button below. It will be highly appreciated. Thanks!

raffle grupeer

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How works Grupeer

Step 1: Deposit money

Transfer money from your bank account to your Grupeer account. You will have to indicate your Grupeer account ID in your transfer comment (the comment system is supported by all banks.). You must send your deposit from a EURO account. It usually takes 3-4 business days to receive your money. It is advised to first send a small deposit (e.g. €10) to make sure your transfer information is correct, and then to execute the “real” deposit.

grupeer bank transfer

Step 2: Choose the project to invest

Grupeer provides a nice search tool to find your ideal investment. Filter by investment type (mortgage, business or development loan), interest rate (usually 12 to 14%), investment term (usually 6 to 12 months), country, loans originator and LTV (loan ratio of total value).

You can also click on the loan ID to view a lot of additional information about what you are investing in.

grupeer find investment

Step 3: Select the investment amount

Once you have located the loan you want to invest it, decide how much you want to invest. You need to select at minimum €10. It is advised to do smaller investments and diversify them across multiple projects, loan originators and countries. You have the possibility to do that with this platform.

grupper investment amount

Step 4: Invest

Once you have confirmed your investments, you can view the list of all your investments with the main information such as the amount invested, the loan type, the ROI, the loan term and the contract you did wit the borrower.

grupeer view investments

Step 5: Earn interests

You will receive monthly incomes from your investments. So you can expect to start receiving interests after 30 days after your first investment. Some of the investment also give you back a proportion of your invested money monthly, but most of them give it back to you at the end of the term.

grupeer interests

Step 6: Track investment

You can easily follow the results and numbers of your investment activities thanks to the dashboard. It provides simple but useful information such as the money you earned (“Income”), the money you invested (“Invested funds”) and the available money to invest (“Available funds”).

grupeer dashboard

Welcome bonus – affiliate/referral link

You can register to Grupeer by clicking the button below. It will be highly appreciated. Thanks!

Useful links