Lists of alternative financial services: Difference between revisions
(→UK: + https://www.quidcycle.com/ P2P financing for consumers including refinancing) |
(→UK: + https://www.crowdcube.com/ P2B financing for SMEs and startups) |
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* https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform | * https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform | ||
* https://www.crowd2fund.com/ P2P financing for businesses | * https://www.crowd2fund.com/ P2P financing for businesses | ||
* https://www.crowdcube.com/ P2B financing for SMEs and startups | |||
* http://crowdestates.com/ P2P funding of real estate developments | * http://crowdestates.com/ P2P funding of real estate developments | ||
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses | * https://crowdforangels.com/ P2P bonds and shares based financing for businesses | ||
Revision as of 16:09, 14 July 2018
This is the Consum(er)ium list of alternative financial services lists.
http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.
Consum(er)ium list of alternative financial services lists
Spectrum of consumer finance
Predatory lending -> payday loan -> proletariat finance -> peer-to-peer loan -> credit card debt -> bank loan
What is alternative finance? What are alternative financial services?
“Alternative Finance refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based crowdfunding, equity crowdfunding, peer-to-peer consumer and business lending, invoice trading third party payment platforms.”
“Alternative financial services (AFS) are financial services provided outside traditional banking institutions, on which many low-income individuals depend. In developing countries, these services often take the form of microfinance. In developed countries, the services may be similar to those provided by banks and include payday loans, rent-to-own agreements, pawnshops, refund anticipation loans, some subprime mortgage loans and car title loans, and non-bank check cashing, money orders, and money transfers. It also includes traditional moneylending by door-to-door collection.”
Often the spectrum ranges from brute loan sharking in operations known as w:payday loans all the way to almost respectable interest taking of non-collateralized loans.
What is APR, why does it matter?
“APR stands for the annual percentage rate.”
“[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of consumer protection. APR is intended to make it easier to compare lenders and loan options.”
“In EU all loaning operations must show the APR for their example loans that they use to market their services.”
- APR can range from hundreds of percent to few tens of percent. Credit card debt is usually in the 10-15% zone.
Peer-to-peer lending, peer-to-peer investing and socially responsible investing
“Peer-to-peer lending, abbreviated P2PL, is the practice of lending money to unrelated individuals, or "peers", without going through a traditional financial intermediary such as a bank or other traditional financial institution. P2PL is not to be confused with peer to peer investing (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending platforms and credit checking tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.”
“Peer-to-peer investing (P2PI) is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional financial intermediary and who are unknown to the investor.”
“Socially responsible investing (SRI), also known as sustainable, socially conscious, "green" or ethical investing, is any investment strategy which seeks to consider both financial return and social good.”
“Equity crowdfunding is the online offering of private company securities to a group of people to investment.”
“An ethical bank, also known as a social, alternative, civic, or sustainable bank, is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: ethical investment, impact investment, socially responsible investment, corporate social responsibility, and is also related to such movements as the fair trade movement, ethical consumerism, and social enterprise.”
Microfinance and microcredit
“Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services.”
“Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history.”
- More reading Impact of microcredit
Multiple countries / global
- https://www.bitbond.com - Global BTC based P2P lending
- http://www.pointninecap.com/bitbond - Bitcoin based SME funding
- BTCJam (.com) - P2P loans using bitcoins
- Kiva (.org) microcredit in 82 countries - "To connect people through lending to alleviate poverty"
- https://loanbase.com/
- https://www.twino.eu/
- United Prosperity (.org)
- Vittana (.org) - microcredit for the developing world
- Zidisha (.org) - microcredit for Africa and Asia
Meta-Searches
- http://www.p2pmoney.co.uk/companies.htm comparison chart of P2P sites
Asia
Australia
List of P2P financial services in Australia
- https://www.societyone.com.au/
- Virgin Money Australia (.com.au)
- Wisr (.com.au) is a publicly listed P2P lending site for consumers in Australia.
China
List of P2P financial services in China
- http://chinarapidfinance.com/
- Dianrong (.com)
- http://english.creditease.cn/
- Lufax (.com)
- http://www.tuandai.com/
- https://m.wolaidai.com/ by http://www.welab.co/
Hong Kong
List of P2P financial services in Hong Kong
- https://www.welend.hk/ by w:WeLab (.co)] is a P2P financing service aimed at private individuals
India
List of P2P financial services in India
- http://i2ifunding.com
- https://cashkumar.com
- Milaap (.org) microfinance in India and Singapore
- Rang De (.org) microfinance by P2P lending.
- Inox Capitals (.com)
Korea
- 8Percent (.kr)is a korean P2P financing service for businesses
- Funda (.kr) is a P2P financing service for SMEs
- Honest Fund (.kr) is a P2P financing service by BMO
- Lendit (.co.kr) is a korean P2P financing service for consumers
- Roof Funding (.com) is a Korean P2P financing service for real estate
Marshall islands
List of P2P financial services in Marshall Islands
- https://btcpop.co/ Bitcoin based P2P loans service
New Zealand
List of P2P financial services in New Zealand
- Harmoney (.co.nz)
- https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers
Singapore
List of P2P financial services in Singapore
- w:Capital Match (.com) peer-to-peer financing for SMEs in the Southest Asia
- Funding Societies (.com)
Europe
Lists of P2P financial services in Europe
Austria
List of P2P financial services in Austria
- https://www.dofinance.eu/ P2P lending service
Bulgaria
- https://www.klearlending.com/ is a bulgarian P2P finance service for consumers.
Czech republic
List of P2P financial services in Czech republic
- https://www.ferratump2p.cz/ is a Czech P2P lending service for consumers and SMEs
- https://www.zltymelon.com/
Estonia
List of P2P financial services in Estonia
- https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
- https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform
- https://crowdestate.eu/ (2014)
- https://crowdestor.com/ is an Estonian P2B lending site
- https://envestio.com/ is an Estonian P2P investment platform
- https://estateguru.co/ was originally named https://www.estateguru.eu/ (2014)
- https://fundwise.me/en (2015) - Equity crowdfunding
- https://investly.eu/ (2014)
- https://www.iuvo-group.com/en/ is an Estonian P2P investment platform
- https://www.monestro.com/ is an estonian P2P lending site
- https://www.moneyzen.eu/ (2014)
- https://omaraha.ee/en/ is an Estonian P2P lending site for consumers
Finland
List of Finnish alternative financial services lists
View Consum(er)ium list of price comparison services in Finland for more finance related comparison shopping websites].
List of P2P financial services in Finland
- https://aurorax.co/ is a P2P lending service for consumers. It was founded in 2017.
- https://www.bondora.fi/
- http://www.fellowfinance.fi/
- https://www.fixura.fi/fi-fi/home/
- https://www.lainaaja.fi/
- https://www.trustbuddy.fi/ by TrustBuddy AB (NO)
- https://vauraus.fi/ is a P2P lending service for businesses.
Lists of P2P financial services in Finland
List of alternative investment schemes in Finland
- https://www.fastinvest.com/en is a service for investors to finance loans given out by a 3d party. Also possiblity to invest in an ICO (Initial Coin Offering).
- Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer and business finance by http://lainasto.com . They claim the preferred shares of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.
France
List of P2P financial services in France
- http://friendsclear.com/ - entre entrepreneurs et investisseurs
- https://en.lendix.com/ is a French P2P financing service for SMEs and individuals
- https://www.pret-dunion.fr/ crédit « entre particuliers » w:fr:Prêt d’Union -
- http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques »
- https://www.younited-credit.com/
Germany
List of P2P financial services in Germany
- https://www.auxmoney.com/ - Geld leihen, Geld anlegen
- Funding Circle (.com) Firmenkredit was previously called w:Zencap (.de).
- https://www.crosslend.com/ is a German B2B financing service
- Lendico (.com)
- http://www.smava.de/ Smava Privatkredit und Autokredit
List of P2P rental services in Germany
Ireland
List of P2P financial services in Ireland
- https://flender.ie/ P2P financing for individuals
- https://www.gridfinance.ie/ is an Irish P2p financing service for SMEs
- https://www.linkedfinance.com/ P2P financing service for SMEs
Italy
List of P2P financial services in Italy
Latvia
List of P2P financial services in Latvia
- https://www.grupeer.com/ P2P lending
- https://www.mintos.com/en/ P2P lending to individuals
- https://peerberry.com/ a Latvian P2P investment platform
- https://robo.cash/ Fully automated P2P platform
- https://viainvest.com/ - P2P microcredit to consumers
List of P2P investment services
- https://system.lenndy.com/ is a Latvian P2P investment service that finances both consumer and SME loans
- https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.
Lithuania
List of P2P financial services in Lithuania
- https://gosavy.com/ is a Lithuanian P2P investment platform
- https://www.finbee.lt/en/
- https://www.neofinance.com/ is a Lithuanian P2P investment platform
Netherlands
List of P2P financial services in Netherlands
- https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
Poland
List of P2P financial services in Poland
Slovakia
List of P2P financial services in Slovakia
Spain
Short-term loan comparators in Spain
- https://loansmart.es/ Compare short term credits and loans - Compare los créditos a corto plazo y los préstamos
List of P2P financial services in Spain
- https://arboribus.com/ P2P lending service
Sweden
List of short-term loan comparators in Sweden
- https://loansmart.se/ Jämför smslån och privatlån - Compare short term credits and loans
Lists of P2P financial services in Sweden
Switzerland
- https://www.advanon.com/en - A Swiss P2P invoice financing service
UK
- w:Office of Fair Trading
- http://p2pfa.info/ - Peer-to-peer Finance Association of UK
List of P2P financial services in UK
- https://www.ablrate.com/ P2B financing service
- Abundance Investment (.com) P2P funding for ethical and ecological projects and endeavors.
- https://www.archover.com/ P2P financing for businesses
- Assetz Capital (.co.uk)
- https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
- BondMason (.com) P2P lending
- https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
- https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available
- https://www.burnleysavingsandloans.co.uk/ P2P loans for consumers and companies. Vehicle loans and refinancing
- http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
- https://www.capitalstackers.com/ is a P2P lending service for real estate
- https://www.collateraluk.com/ P2P loans against collateral
- https://www.creditpeers.com/ is a Peer-to-Business (P2B) property lending platform
- https://www.crowd2fund.com/ P2P financing for businesses
- https://www.crowdcube.com/ P2B financing for SMEs and startups
- http://crowdestates.com/ P2P funding of real estate developments
- https://crowdforangels.com/ P2P bonds and shares based financing for businesses
- https://www.crowdproperty.com/ P2P funding for real estate deals
- https://www.crowdstacker.com/ P2B lending service
- https://www.downingcrowd.co.uk/ P2B lending service
- https://easymoney.com/ is a P2P real estate financing service offering ISA investments
- EdAid (.com) finance your university tuitition via crowdfunding
- https://www.elevateinvest.com/ P2P real estate oriented lending service
- https://www.fitzroviafinance.com/ is a P2P property backed real estate financing service
- Folk2Folk (.com)
- https://www.formaxcredit.co.uk/ is P2B financing service that will soon be offering ISA.
- w:Funding Circle (.com)- investor-to-business loans
- https://www.fundingknight.com/
- https://www.fundingsecure.com/ P2P asset secured loans
- https://go2businessloans.co.uk/ P2B loan service
- https://www.growthstreet.co.uk/ P2P financing for businesses
- http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
- https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
- https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
- http://www.investandfund.com/ P2P lending to residential property developments
- https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
- https://www.justus.co/ P2P finance for consumer mortgages and loans
- Landbay (.co.uk) is a peer-to-peer lending platform for residential buy-to-let mortgages
- LandlordInvest (.com) buy-to-let and renovating secured by real estate P2P investments and loans
- https://www.lendable.co.uk/ P2P finance for private individuals
- LendingCrowd (.com) - lending to SMBs
- Lending Works (.co.uk) is the first UK P2P lending company that includes credit default protection for the lenders
- LendInvest (.com) secured P2P real estate loans
- https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
- https://www.marketinvoice.com invoice financing
- https://www.moneyandco.com/home P2P financing for businesses
- https://themoneyplatform.com/ short term competitive P2P lending service
- https://www.moneything.com/ is a P2P financing service for large collateralized loans
- https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
- https://octopuschoice.com/ realty backed P2P investment service
- https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
- https://www.peerfunding.co.uk/ P2B lending service
- https://primestox.com/ P2P site for financing food production and distribution
- https://www.propertycrowd.com/ secured P2P loans for real estate
- https://www.proplend.com/ secured P2P lending for businesses
- https://www.quidcycle.com/ P2P financing for consumers including refinancing
- w:RateSetter (.com)
- RebuildingSociety (.com) small business loans
- https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
- https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
- https://www.savingstream.co.uk/
- https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
- https://stemfund.com/ P2B loans
- ThinCats (.com) investor-to-business loans
- https://www.trufis.com/ P2B lending service
- https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
- Unbolted (.com)
- https://www.wellesley.co.uk/ - w:Wellesley & Co.
- Virgin Money UK (.com)
- https://welendus.com/ is a P2P lending service for consumers
- https://www.yesgrowth.com/ secured and unsecured P2B loans
- w:Zopa (.com). The oldest P2P lending site on Planet Earth
- LendingCrowd (.com)
Lists of P2P financial services in UK
Middle East
Israel
List of P2P financial services in Israel
- BLender p2p (.co.il) P2P consumer loans
- http://www.creditplace.com/ SMB loans
- https://www.eloan.co.il/ consumer loans
- TARYA consumer loans
- http://www.loan4u.co.il/ consumer loans
- http://www.wsci.org.il/ consumer loans
- https://best-price.co.il/ consumer loans
United Arab Emirates
List of P2P financial services in UAE
North America
Canada
Lists of P2P financial services in Canada
- Optimize Capital Markets (.com) P2B financing service
USA
- http://www.consumerfinance.gov/
- http://www.responsiblelending.org/
- http://cfsaa.com/ - The Community Financial Services Association of America (CFSA) is trade association representing the interests of the USian payday lending industry.
- More reading alternative financial services in the United States
Lists of P2P financial services in USA
- https://www.fundingcircle.com/us/ - investor to business loans
- Groundfloor (.us) crowdfunded real estate investing
- Invest Next Door (.com) - P2B SMB loans
- Lending Club (.com)
- Peerform (.com)
- Prosper Marketplace (.com)
- SoFi (.com) P2P lending service
- Upstart (.com)