The P2P lending market is unstable at this moment with the crash of Envetio and Kuetzal. Some people are raising concerns about Monethera. Thus I advise you not to invest in this platform in the medium term until the market becomes more stable. Invest in more trustable platforms such as Mintos or Grupeer.
|Investors [11.2019]||Investments [11.2019]||Founded||Country|
|+1830||+3.6 M EUR||2017||Estonia|
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|Monethera is a crowdlending platform focusing on the fields of real estate crowdfunding and business crowdfunding. The available projects can be described in the categories below:
Figure: Monethera investment fields
Location-wise, the platform offer projects located in Germany, Latvia, Estonia and Poland
Projects usually return monthly interests (paid the 1st day of each month) and the invested amount (principal amount) is returned to the investor at the end of the investment which is often of a 3-18 months term.
The €1 minimum investment amount is a great advantage of this platform compared to his competitors Crowdestor (€50 min).
How it works
Here are the different steps describing the working process of Monethera:
The ROI of Monethera investments is in the highest range of the market, averaging at 18% ROI and with projects ranging from 16.4% to 21.1% return on investments (directly related to risks). Compared to his competitors, the platform offers all of his projects in a high range of ROI, while others tend to propose high and lower ROI investments.
Monethera offers two interesting features to investors:
Due diligence/risk analysis
The platform has hired an external company to assess the risk of each investment opportunity in order to provide only the top ones. The company is called SIA Doma Audits. It’s a Latvian audit company with a track record of almost 20 years.
The following information are checked during the process:
|Monethera has between the highest returns (up to 21.1%) of the European crowdlending market with an average of 18% but has also a short track record with only limited exited project (for the moment successful). You should diversify your investments with this platform if you want to add riskier/high return investments to your portfolio.|
Pros & Cons
|+ Highest-interest rates of the market (~18%)
+ Small minimum investment amount (€1)
+ Short-Medium term investments (3-18 months)
+ Early exit (5-7% fee)
+ Investment in Germany (uncommon)
+ Diversified types of investments (Business growing, Organic farming & green energy, Logistics, Technologies)
+ Monthly interest payment
+ BuyBacl guarantee
|– BuyBack guarantee is optional
– Low track record
– No Auto-invest available
– No secondary market for early withdrawal
Monethera investment details
|Return on investment (ROI)||18%|
|Minimum investment||1 EUR|
|Investment period||3 – 18 months|
|Trustpilot Score (Safety)||3.9/5||(on 11.2019)|
|Real-estate loans||Business loans (Business growing, Organic farming & green energy, Logistics, Technologies)|
|The platform has already offered a variety of investment projects such as:
Investment result forecast
|Below you will find the resulting forecast when investing using Monethera 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 Monethera for 15 years you might end up with €11’974 (€9’577 more than with the stock market).
|Monethera Risk Analysis|