Difference between revisions of "Lists of alternative financial services"

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== Australia ==
 
== Australia ==
 
=== List of P2P financial services in Australia ===
 
=== List of P2P financial services in Australia ===
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]
 
 
* https://www.societyone.com.au/
 
* https://www.societyone.com.au/
  
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=== List of P2P financial services in China ===
 
=== List of P2P financial services in China ===
 
* http://chinarapidfinance.com/
 
* http://chinarapidfinance.com/
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
 
 
* http://english.creditease.cn/
 
* http://english.creditease.cn/
 
* https://www.lu.com/ - [[w:Lufax]]
 
* https://www.lu.com/ - [[w:Lufax]]
 
* http://www.tuandai.com/
 
* http://www.tuandai.com/
 +
* https://www.dianrong.com/ [[w:Dianrong.com]]
 
* https://m.wolaidai.com/ by http://www.welab.co/
 
* https://m.wolaidai.com/ by http://www.welab.co/
  
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* https://cashkumar.com
 
* https://cashkumar.com
 
* https://milaap.org/ [[w:Milaap]] microfinance
 
* https://milaap.org/ [[w:Milaap]] microfinance
 
== Marshall islands ==
 
=== List of P2P financial services in Marshall Islands ===
 
* https://btcpop.co/ Bitcoin based P2P loans service
 
 
  
 
== New Zealand ==
 
== New Zealand ==
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== Lists of P2P financial services in Europe ==
 
== Lists of P2P financial services in Europe ==
 
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]
 
* [http://www.crowdfundbeat.co.uk/2015/06/11/top-15-european-peer-to-peer-lending-services/ Top 15 European peer-to-peer lending services list by crowdfundbeat.co.uk]
 
== Austria ==
 
=== List of P2P financial services in Austria ===
 
* https://www.dofinance.eu/ P2P lending service
 
  
 
== Czech republic ==
 
== Czech republic ==
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* https://www.lendico.com/ - [[w:Lendico]]
 
* https://www.lendico.com/ - [[w:Lendico]]
 
* http://www.smava.de/ Smava Privatkredit und Autokredit
 
* http://www.smava.de/ Smava Privatkredit und Autokredit
 
=== List of P2P rental services in Germany ===
 
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals
 
  
 
== Ireland ==
 
== Ireland ==
 
=== List of P2P financial services in Ireland ===
 
=== List of P2P financial services in Ireland ===
* https://flender.ie/ P2P financing for individuals
 
 
* https://www.linkedfinance.com/ P2P financing service for SMEs
 
* https://www.linkedfinance.com/ P2P financing service for SMEs
  
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* http://prestiamoci.it/
 
* http://prestiamoci.it/
 
* http://www.smartika.it
 
* http://www.smartika.it
 
== Latvia ==
 
=== List of P2P financial services in Latvia ===
 
* https://www.grupeer.com/ P2P lending
 
* https://www.mintos.com/en/ P2P lending to individuals
 
  
 
== Lithuania ==
 
== Lithuania ==
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=== List of P2P financial services in Slovakia ===
 
=== List of P2P financial services in Slovakia ===
 
* https://www.zltymelon.com/
 
* https://www.zltymelon.com/
 
== Spain ==
 
=== List of P2P financial services in Spain ===
 
* https://arboribus.com/ P2P lending service
 
  
 
== Sweden ==
 
== Sweden ==
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=== List of P2P financial services in UK ===
 
=== List of P2P financial services in UK ===
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
+
* https://www.abundanceinvestment.com/ P2P funding for ethical and ecological projects and endeavors.
 
* https://www.archover.com/ P2P financing for businesses
 
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
+
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]]
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
 
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
 
 
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
 
* https://www.burnleysavingsandloans.co.uk/ loans for individuals and companies in Burnley and Lancashire
 
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
 
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.collateraluk.com/ P2P loans against collateral
 
* https://www.crowd2fund.com/ P2P financing for businesses
 
* 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
* 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
 
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
 
* https://www.elevateinvest.com/ P2P real estate oriented lending service
 
 
* https://www.folk2folk.com/ [[w:Folk2Folk]]
 
* https://www.folk2folk.com/ [[w:Folk2Folk]]
 
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
 
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
 
* https://www.fundingknight.com/
 
* https://www.fundingknight.com/
 
* https://www.fundingsecure.com/ P2P asset secured loans
 
* 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.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
 
* http://www.investandfund.com/ P2P lending to residential property developments
 
* http://www.investandfund.com/ P2P lending to residential property developments
 
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
 
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
 
 
* https://www.lendable.co.uk/ P2P finance for private individuals
 
* https://www.lendable.co.uk/ P2P finance for private individuals
 
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
 
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs
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* https://www.marketinvoice.com invoice financing
 
* https://www.marketinvoice.com invoice financing
 
* https://www.moneyandco.com/home P2P financing for businesses
 
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
 
* https://octopuschoice.com/ realty backed P2P investment service
 
* 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.propertycrowd.com/ secured P2P loans for real estate
 
* https://www.proplend.com/ secured P2P lending for businesses
 
* https://www.proplend.com/ secured P2P lending for businesses
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* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
 
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
 
* https://www.savingstream.co.uk/
 
* https://www.savingstream.co.uk/
* https://stemfund.com/ P2B loans
 
 
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]  
 
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]  
* https://www.trufis.com/ P2B lending service
 
 
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business  
 
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business  
 
* https://unbolted.com/uk/ [[w:Unbolted]]
 
* https://unbolted.com/uk/ [[w:Unbolted]]
 
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
 
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* https://www.yesgrowth.com/ secured and unsecured P2B loans
 
 
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
 
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth
 
* https://www.lendingcrowd.com/
 
* https://www.lendingcrowd.com/
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== Israel ==  
 
== Israel ==  
 
=== List of P2P financial services in Israel ===
 
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
+
* https://www.blender.co.il/ consumer loans
 
* http://www.creditplace.com/ SMB loans
 
* http://www.creditplace.com/ SMB loans
 
* https://www.eloan.co.il/ consumer loans
 
* https://www.eloan.co.il/ consumer loans

Revision as of 09:36, 8 January 2019

This is the Consum(er)ium list of alternative financial services lists.

http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.

Contents

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.”

~ everyone on 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.”

~ Wikipedia on annual percentage rate

“In EU all loaning operations must show the APR for their example loans that they use to market their services.”

~ European Parliament on law regarding advertisement of loans
  • 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.”

~ Wikipedia on ethical bank

Microfinance and microcredit

Microfinance is a source of financial services for entrepreneurs and small businesses lacking access to banking and related services.”

~ Wikipedia on microfinance

Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history.”

~ Wikipedia on microcredit
More reading Impact of microcredit

Multiple countries / global

Meta-Searches

Asia

Australia

List of P2P financial services in Australia

China

List of P2P financial services in China

Hong Kong

List of P2P financial services in Honk Kong

India

List of P2P financial services in India

New Zealand

List of P2P financial services in New Zealand

Singapore

List of P2P financial services in Singapore

Europe

Lists of P2P financial services in Europe

Czech republic

List of P2P financial services in Czech republic

Estonia

List of P2P financial services in Estonia

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

Lists of P2P financial services in Finland

List of alternative investment schemes in Finland

France

List of P2P financial services in France

Germany

List of P2P financial services in Germany

Ireland

List of P2P financial services in Ireland

Italy

List of P2P financial services in Italy

Lithuania

List of P2P financial services in Lithuania

Netherlands

List of P2P financial services in Netherlands

Poland

List of P2P financial services in Poland

Slovakia

List of P2P financial services in Slovakia

Sweden

Lists of P2P financial services in Sweden

UK

List of P2P financial services in UK

Lists of P2P financial services in UK

Middle East

Israel

List of P2P financial services in Israel

United Arab Emirates

List of P2P financial services in UAE

North America

Canada

Lists of P2P financial services in Canada

USA

Lists of P2P financial services in USA