Investment opportunities for everyone
Are you an experienced investor looking to diversify your portfolio or are you considering investing your money for the first time? Investing in loans is straightforward and is suitable for small and institutional investors as well as for anyone who wants to increase their savings in the long term.
We offer you a safe and confidential way to invest in personal or corporate loans and receivables. Our many years of experience as experts in credit risk management and investments form the basis of our modern crowdfunding service, which is the market leader in the Nordic region and which is also available to you free of charge and without complications.
Start your career as a banker in 2020!
Investing in consumer and corporate loans is an investment opportunity that was previously reserved exclusively for banks. A bank’s business model is to lend the funds deposited by savers for minimum interest to borrowers for maximum interest. With our service, savers can decide for themselves who and under what conditions they lend their money. Our investors receive the full interest paid by the borrowers. Why should you lend your assets to a bank at zero interest if you can instead lend yourself – against profitable interest, without own costs and with minimal risk?
Credit Risk Management
Fellow Finance finds, identifies and assesses potential borrowers. Anyone wishing to take out a loan through us must have a trouble-free payment history and sufficient monthly income to enable the loan to be repaid in addition to other expenses. You choose who and under what conditions you want to lend your money. Our five-tier credit rating system, in which we classify all borrowers, helps you make your choice. We use Microsoft Azure as an assessment tool, which can take into account hundreds of variables. The credit score provides information about the expected payment behavior of the borrower and thus about the credit risk.
Diversification of the investment portfolio
You can easily split your investment into hundreds of loans to minimize individual risks and achieve competitive returns with low volatility. German, Finnish, Swedish and Polish P2P loans as well as Finnish corporate loans and receivables are available as investment objects. In order to minimize the credit risk, it is advisable to spread the capital over at least 100 different loans so that an individual borrower in the respective credit market accounts for a maximum of 1% of the investment amount. For your assets, investing in loans represents a whole new way of diversification, which does not correlate with conventional investment alternatives such as the stock or interest rate market.