Grupeer Review

Grupper is currently not accepting new investments. We advise you to explore the platforms Mintos.

Investors [01.2020]	Investments [01.2020]	Founded	Country
25’343	70.3 M EUR	2017	Latvia

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About Grupeer

Grupeer is a p2p lending 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.

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.

Performances:

Grupeer 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.

How it works?

Here is how Grupeer works:

The credit companies (that we commonly call “loan originators”) receive an 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

The figure below represents the structure between the three parties of the Grupeer business model: the loan originators (that generate new investment loans), the Grupeer platform that displays the new loan offers, the investors that lend money in return of interests.

grupeer loans process

Safety:

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 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)	3.9/5	[01.2020]
Company profitability	No	[-46K in 2018]
Accepted investors	EU, Most of World	Not US

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 types

Personal loans	Real Estate loans	Business loans

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).

Grupeer bonus (affiliate/referral)

No bonus available for the moment.

Grupeer competitors

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.

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.

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.

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.

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.

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”).