Foro inversores crowdlending
Hola,

si has llegado hasta aquí y si te interesa este mundillo como una alternativa de inversion, te confirmo que no te harás rico, pero con sentido común y diversificación se puede lograr una rentabilidad apreciable.

El riesgo en estas plataformas es muy diverso, pero tienes 3 grandes grupos de plataformas, a las cuales nos referimos familiarmente como LETONAS:

1-Inversiones aseguradas con hipotecas, rentabilidad entre un 10% a 15%, si no pagan se vende el bien y se recupera la inversion.

EStateguru, Bulkestate y Crowdestate,etc son las mas destacadas

2- Inversiones B2B, prestamos a empresas y que puedes tener rentabilidades superiores al 15% fácilmente, lógicamente son las mas arriesgadas , pero puedes obtener mas beneficios y ademas suelen tener garantías colaterales que minimizan el riesgo.

Crowdestor, Wisefund, etc son las mas destacadas.

3- Inversiones en prestamos personales, rentabilidad media entre el 10%-12%que lo importante es que tengan BuyBack y sobre todo que diversifiques mucho.

Mintos, Robocash, Viainvest, Peerberry, Debitum Network, etc.

Aprovechar también los referrals y cashback no te harán rico/a pero siempre suman un puntito mas de rentabilidad.

El foro esta operativo desde Oct-2016 y es pionero en el crowdfunding/crowdlending,

Te esperamos!!!!
Foro inversores crowdlending
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Foro inversores crowdlending

Foro español pionero e independiente desde Octubre 2016.
 
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ATENCIÓN PROMOCIÓN VALIDA POR 6 MESES DESDE LA APERTURA DE LA CUENTA O NUEVOS USUARIOS


mas informacion en:
18-10-2016 ** 18-10-2020
4º Año compartiendo experiencias.
Gracias!!!!!.

 

 Wisifund y la comunicacion de su operativa,

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Mensajes : 4989
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Fecha de inscripción : 18/10/2016
Localización : BCN

Wisifund y la comunicacion de su operativa,  Empty
MensajeTema: Wisifund y la comunicacion de su operativa,    Wisifund y la comunicacion de su operativa,  EmptyVie Ene 17, 2020 5:24 pm

Bueno el palo de Kuetzal, parece estar amplificando la transparencia y la comunicación de las plataformas restantes.

No hay mal que por bien no venga, al fin y al cabo siempre dependemos de la due diligence, en caso contrario mejor no invertir.


Wisefund files

Dear Wisefund user,
 
Due to recent happenings in business crowdfunding world we have updated How it Works page with additional section
 
Borrower Acceptance Policy
 
For the purpose of understanding the process of how Wisefund accepts borrowers before listing them to fund their loan requests, please see insight of the process that has been integrated with Wisefund as its Borrower acceptance policy from the very beginning of the operations, with improvements over each new case.
 
There are certain procedures that borrowers go through before they get accepted for the listing.
 
1) Application letter received from the Borrower.
2) The Portal conducts prima facie check of the Borrower per the publicly available information.
3) NDA If Step 2 passed, the Portal requests that the potential Borrower signs:


  • NDA,
  • Proposed Fee Schedule.

4) Provision of information from the Borrower:

  1. Corporate documentation for KYC check;
  2. Annual accounts for past 3 years and last 3-6-9 months (as applicable) operational balance sheet;
  3. CVs of UBOs, Shareholders and Managers (Directors), Key Employees for the Project;
  4. Project description, including business partners, subject matter, repayment schedule;
  5. source of interest and fee repayment - outlays
  6. Asset list;
  7. List of liabilities due in the next 12-18 months after the date of the NDA (depending on the term of the financing requested);
  8. Letter of good standing from a local bank in place of incorporation or majority of business operations;
  9. Letter of absence of tax debts from the relevant tax authority;
  10. Confirmation of absence of litigation/ collections against the potential Borrower or its UBOs, Management (Directors), Shareholders;
  11. Description of the local (location of the asset jurisdiction) commercial pledge/ mortgage procedure.

5) Due Diligence and AML KYC Based on the information provided, the Portal conducts Legal/ Financial/ Tax Due diligence/ AML/CTF.
6) Tax opinion If necessary, the Portal requests the potential Borrower to provide a certified tax opinion or confirmation re repayment of Loan amount, interest and fees as per the Fee Schedule.
7) Draft Loan Agreement and Appendixes
If Steps 5 and 6 passed without major RED FLAGS and/ or all material issues cured, then the Portal prepares and issues draft :


  • Loan agreement,
  • the Fee Schedule, and
  • Indemnification letter (re all and any fees/ taxes/ duties collectable by tax authorities in relation to repayment of the Loan amount, interest and applicable fees are payable by the Borrower).

Cool Publication on the Portal
After the signing of the Loan Agreement, the project (with relevant guarantees) is posted on the Portal. Funding commences.
9) Funding at 100% The Loan is issued only after it is 100% funded.
10) Borrower reports to the Portal on the performance of the project, the utilization of the lent amount based on the purpose of the loan either upon request, quarterly or monthly – all depends on the loan terms
11) Interest and Fees Loan principal amount, Interest and Fees are repaid per the signed Fee schedule.
 
 
 
 

If you have any questions, please reach out to support@wisefund.eu and we’ll be happy to help.
 
Best regards,
Wisefund Support 
 
 
 
 
 
 

Happy to help.

Please reach out to support@wisefund.eu if you have any questions.

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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