Monethera Review & BONUS

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Monethera Review

Investors [11.2019] Investments [11.2019] Founded Country
monethera investors+1830 monethera investments+3.6 M EUR monethera founded2017 estonia flagEstonia
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:

  • Organic farming & green energy
  • Technologies
  • Real Estate
  • Logistics
  • Business growing

monethera fields of investment

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) and Kuetzal (€100 min). Only Envestio (€1 min) is taking the same path.

How it works

Here are the different steps describing the working process of Monethera:

  • Borrowers (Companies) apply to Monethera in order to require a loan for their project by providing in-dept documentation on their project business plan and their company finances, history, etc…
  • The risk analysis resource of the platform performs a risk analysis of each project in order to select the best risk vs return ones. For this process, they also have an external company helping in the risk assessment process.
  • Once the project is approved, it is displayed on Monethera marketplace usually for a period of 2 weeks
  • Investors (Lenders) and select the project, read it’s information and invest in it by selecting the desired amount
  • Investors receive monthly interests

Performances:

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.

Safety:

Monethera offers two interesting features to investors:

  • Early exit: Investors can sell their investments back to the platform for a fee of 5% – 7% (depending on the investment). So it means they will receive back only 93% to 95% of their investment. The rate is provided before investing on a project.
  • Buyback guarantee: Monethera has a security reserve fund (the amount is unknown). In case of an investment default, the platform will directly reimburse investors with 35% of their invested amount. The remaining 65% and the interests will be provided later on once the platform has collected the entire dept from the borrower (this process can take up to 18 months).
  • Co-investment policy: Monethera has no co-investment policy, but in case the project gets at least 80% of the required investments, the platform will add the missing amount to start its implementation.

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:

  • Accuracy of financial and other inside information
  • Confirmation of the estimates/assumptions provided in the business plan
  • Compliance with the laws and internal company rules
  • Operational analysis: historical development of the company, structure, management, staff, sales information, procurement, strengths & weaknesses, constraints
  • Financial analysis: company’s ability to generate income
  • Obligatory legal expertise that determines the activities of the company in accordance with the applicable regulations in the field of civil, labor and corporate law
  • Analysis of the current market situation to determine the company competitive position

Advice

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

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

Investment currencies EUR
Return on investment (ROI) 18%
Minimum investment 1 EUR
Investment period 3 – 18 months rating 3
Default rate 0%
Investment fees 0%
BuyBack guarantee Yes check
Auto-invest No
Secondary market No
Trustpilot Score (Safety) 3.9/5 (on 11.2019)

Investment types

real estate loansReal-estate loans business loansBusiness loans (Business growing, Organic farming & green energy, Logistics, Technologies)

Investment example

The platform has already offered a variety of investment projects such as:

  • a commodity trading company
  • a VIP transportation company
  • a perfume oil manufacturer
  • a forestry company
  • a sturgeon farm
  • a luxury clothing brand

investment example monethera

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 bonus and cashback

Register on Monethera by clicking the button below to benefit of Monethera bonus as a cashback payment.

invest 5 bonus 05 investBONUS: € 5 bonus at signup + 0.5% on the investment amount the first 180 days

Monethera competitors

crowdestor logo envestio logo kuetzal logo tp
View the list of all the platforms

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