|Investors [01.2019]||Investments [01.2019]||Founded||Country|
|4’000||58.3 M EUR||2017||
|Accepted investors||EU, Swiss|
|Return on investment (ROI) – average||12%|
|Minimum investment amount||€ 10|
|Investment period||18 days|
|BuyBack guarantee||Yes (30 days)|
|Trustpilot Score (Safety)||–|
|Robocash is a platform ideal for new crowdfunding investors: Robocash is really simple to use, you just need to setup the auto-invest functionality and the platform will take care of investing your money. The return rate of investments is around 12% and the short loans’ term (18 days average) will increase the returns above 12%. The downside of this platform is that we have small visibility about the loans invested in.
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 2019 the platform has moved its operations from Latvia to Croatia, making it the main Croatian p2p lending platform available on the market.
The company is an integral part of the holding Robocash Group providing financial services in eight countries in Europe and Asia. Robocash Group originated in Russia in 2013 and is active in the field of consumer lending.
The group focused monthly on short-term loans and installment loans provided both online and offline with more than 5 million customers of the group, and over 4.3 million of issued loans.
Here are the financial information of Robocash Group:
Figure: Robocash Group financial (source: Robo.cash)
Please remind that these are the numbers of Robocash group and not Robocash. But it can show us some form of security that Robocash is backed-up by a bigger and profitable mother company.
Robocash offers returns of 12% average (which is aligned with the European market average of 12%). And since the average loan term is 22 days, the returns will be reinvested faster generating +12% return.
How it works:
Here is how Robocash works:
Figure: How works Robocash
This platform has no manual mode to invest. All investors are under the same condition. The money is invested by a fully automated system (based on investors criteria). Just add funds to your account and they will be invested and you’ll get monthly interests.
While some investors might not like it due to the limited amount of configuration and choices, it has a big benefit to be fully time-saving.
All investments are provided with a BuyBack guarantee. It means that in case a borrower doesn’t pay back the loan of the interests for more than 30 days the BuyBack system will kick in.
It will then take up to 60 days that return to the investor the invested funds and missing interests.
|Personal/consumer loans (microloan, installment loan)|
Investment result forecast
Below you will find the resulting forecast when investing using Robocash 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 Robocash for 15 years you might end up with €5’474 (€3’077 more than with the stock market).
Robocash bonus and cashback
|You can register to Robocash by clicking the button below. You’ll be able to benefit from their loyalty program:
+0.1% ROI from € 1’000 – 2’999 invested
|How to configure Robocash Auto-Invest||Robocash Risk Analysis|