Difference between revisions of "Lists of alternative financial services"

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* https://www.bitbond.com - Global BTC based P2P lending
 
* https://www.bitbond.com - Global BTC based P2P lending
 
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
 
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s
+
* [[w:BTCJam|BTCJam]] [https://btcjam.com/ (.com)] - P2P loans using [[w:bitcoin|bitcoin]]s
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
+
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] microcredit in 82 countries - "To connect people through lending to alleviate poverty"
 
* https://loanbase.com/
 
* https://loanbase.com/
 
* https://www.twino.eu/
 
* https://www.twino.eu/
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]]
+
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)]
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world
+
* [[w:Vittana|Vittana]] [http://www.vittana.org/ (.org)] - microcredit for the developing world
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia
+
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] - microcredit for Africa and Asia
  
 
= Meta-Searches =
 
= Meta-Searches =
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* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]  
 
* [[w:DirectMoney|DirectMoney]] [https://www.directmoney.com.au/ (.com.au)]  
 
* https://www.societyone.com.au/
 
* https://www.societyone.com.au/
 +
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
  
 
== China ==
 
== China ==
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* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
 
* [[w:Dianrong|Dianrong]] [https://www.dianrong.com/ (.com)]
 
* http://english.creditease.cn/
 
* http://english.creditease.cn/
* https://www.lu.com/ - [[w:Lufax]]
+
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]  
 
* http://www.tuandai.com/
 
* http://www.tuandai.com/
 
* https://m.wolaidai.com/ by http://www.welab.co/
 
* https://m.wolaidai.com/ by http://www.welab.co/
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* http://i2ifunding.com
 
* http://i2ifunding.com
 
* https://cashkumar.com
 
* https://cashkumar.com
* https://milaap.org/ [[w:Milaap]] microfinance
+
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
 +
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.
  
 
== Marshall islands ==
 
== Marshall islands ==
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* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
 
* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
 
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
 
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.lendico.com/ - [[w:Lendico]]
+
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)]  
 
* http://www.smava.de/ Smava Privatkredit und Autokredit
 
* http://www.smava.de/ Smava Privatkredit und Autokredit
  
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* https://www.grupeer.com/ P2P lending
 
* https://www.grupeer.com/ P2P lending
 
* https://www.mintos.com/en/ P2P lending to individuals
 
* https://www.mintos.com/en/ P2P lending to individuals
 +
* https://robo.cash/how-does-it-works
  
 
== Lithuania ==
 
== Lithuania ==
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== Spain ==
 
== 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 ===
 
=== List of P2P financial services in Spain ===
 
* https://arboribus.com/ P2P lending service
 
* https://arboribus.com/ P2P lending service
  
 
== Sweden ==
 
== 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 ===
 
=== Lists of P2P financial services in Sweden ===
 
* https://lendify.se/
 
* https://lendify.se/
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* https://www.elevateinvest.com/ P2P real estate oriented lending service
 
* https://www.elevateinvest.com/ P2P real estate oriented lending service
 
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]  
 
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]  
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]]
+
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans  
 
* https://www.fundingknight.com/
 
* https://www.fundingknight.com/
 
* https://www.fundingsecure.com/ P2P asset secured loans
 
* https://www.fundingsecure.com/ P2P asset secured loans
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* 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
+
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* https://landlordinvest.com/ secured by real estate P2P investments and loans
+
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating 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
+
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders
+
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)] is the first UK P2P lending company that includes credit default protection for the lenders
* https://www.lendinvest.com/ secured P2P real estate loans
+
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
 
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
 
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
 
* https://www.marketinvoice.com invoice financing
 
* https://www.marketinvoice.com invoice financing
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* 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
* https://www.ratesetter.com/ - [[w:RateSetter]]
+
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]]
+
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans  
 
* 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://stemfund.com/ P2B loans
* https://www.thincats.com investor-to-business loans [[w:ThinCats]]
+
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
 
* https://www.trufis.com/ P2B lending service
 
* 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]]
+
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
 
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
 
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
 +
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
 
* https://www.yesgrowth.com/ secured and unsecured P2B loans
 
* 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
+
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* https://www.lendingcrowd.com/
+
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]
  
 
=== Lists of P2P financial services in UK ===
 
=== Lists of P2P financial services in UK ===
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* TARYA consumer loans
 
* TARYA consumer loans
 
* http://www.loan4u.co.il/ consumer loans
 
* http://www.loan4u.co.il/ consumer loans
 +
* http://www.wsci.org.il/ consumer loans
  
 
== United Arab Emirates ==
 
== United Arab Emirates ==
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== Canada ==
 
== Canada ==
 
=== Lists of P2P financial services in Canada ===
 
=== Lists of P2P financial services in Canada ===
 +
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] P2B financing service
  
 
== USA ==
 
== USA ==
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* https://www.fundingcircle.com/us/ - investor to business loans
 
* https://www.fundingcircle.com/us/ - investor to business loans
 
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
 
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] crowdfunded real estate investing
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans
+
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] - P2B SMB loans
* https://www.lendingclub.com/ - [[w:Lending Club]]
+
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)]
* https://www.peerform.com/ - [[w:Peerform]]
+
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)]
* https://www.prosper.com/ - [[w:Prosper Marketplace]]
+
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)]
* https://www.upstart.com/ [[w:Upstart (company)]]
+
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service
 +
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)]

Revision as of 09:21, 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

Marshall islands

List of P2P financial services in Marshall Islands


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

Austria

List of P2P financial services in Austria

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

List of P2P rental services in Germany

Ireland

List of P2P financial services in Ireland

Italy

List of P2P financial services in Italy

Latvia

List of P2P financial services in Latvia

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

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

Sweden

List of short-term loan comparators in 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