Wisefund Review

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Wisefund Review

Investors [11.2019] Investments [11.2019] Founded Country
wisefund investors+1’700 wisefund investments+3 M EUR wisefund foundedMar. 2019 estonia flagEstonia
Wisefund is a crowdlending platform focusing in the fields of business crowdfunding. This platform is a pretty new entrant on the market as it was founded in March 2019. The platform rapidly started to be trendy, and in the first 9 months of its launch, the platform raised more than 3 millions of investments and attracted more than 1700 investors.

On November 2019 the platform has excited his two first investments allowing her to start building its track record.

Available projects have a minimum size of € 50’000 and can be described in the categories below:

  • Agriculture/Farming
  • Technology
  • Transportation (e.g. railways, car, yacht)
  • Manufacturing
  • Business growing

Sadly, the details of previous investments are only available to their investors.

Location-wise, the platform offer projects located in Germany, Latvia, Estonia and Poland

Projects usually return monthly interests (the last calendar day of the month) and the invested amount (principal amount) is returned to the investor at the end of the investment which is often of a 4-14 month term.

The €10 minimum investment amount is a great advantage of this platform compared to his competitors Crowdestor (€50 min) and Kuetzal (€100 min). Only Envestio and Monethera (€1 min) are taking even a better path.

How it works:

wisefund how it works

Performances:

The ROI of Wisefund investments is in the highest range of the market, averaging at 18.06% ROI (on 11.2019) and with projects ranging from 14% to 20% return on investments (directly related to risks).

Safety:

Wisefund offers two interesting features to investors:

  • Early exit: The platform has outsourced to an independent third-party partner to take care of purchasing back the investments. Investors are therefore allowed to sell their investments in 1-2 business days in exchange for a fee that varies between each investment and displayed in the project description
  • BuyBack guarantee: The buyback guarantee triggers after 60 days that a loan defaulted. This service has been externalized to a partner (unknown). While the buyback pays back 100% of the invested amount, it sadly doesn’t pay back any missing interests. The BuyBack is optional and its fee varies on each project.
  • Protection fund: For each new investment, the platforms is also investing in it (share undefined). This invested amount is used to build up the protection fund that can then be used in case of an investment default to pay back interests and the invested amount to investors if possible. The amount of the fund is unknown.

Advice

Wisefund has really high returns on investments averaging at 18.06% over their available projects and the platform offers interesting alternative projects.

The platform is an interesting new-comer to watch and to start inserting gradually and carefully in your portfolio as it has still a small track record but provides great returns.

Pros & Cons

Pros Cons
+ Highest-interest rates of the market (~18%)
+ Small minimum investment amount (€10)
+ Short-Medium term investments (4-14 months)
+ Early exit (variable fee)
+ Diversified types of investments
+ Monthly interest payment
+ BuyBack guarantee (100% principal)
– Small track record (founded 2019)
– BuyBack is optional (variable fee)
– BuyBack guarantee doesn’t repay interests
– No Auto-invest available
– No secondary market for early withdrawal

Wisefund investment details

Investment currencies EUR
Return on investment (ROI) 18%
Minimum investment 10 EUR rating 4
Investment period 4 – 14 months rating 3
Default rate 0%
Investment fees 0%
BuyBack guarantee Yes, option (60 days) check
Auto-invest No
Secondary market No
Trustpilot Score (Safety) 4.4/5 [11.2019]

Investment types

business loansBusiness loans (Agriculture/Farming, Technology, Transportation (e.g. railways, car, yacht), Manufacturing, Business growing)

Investment example

investment example wisefund

Investment result forecast

Below you will find the resulting forecast when investing using Wisefund 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 Wisefund for 15 years you might end up with €11’974 (€9’577 more than with the stock market).

Wisefund bonus and cashback

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Wisefund competitors

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

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