Peer-to-peer investment – A formidable option during times of uncertainty, higher inflation and higher interest rates.

Dear Customer

The Chairman of Federal Reserve Mr. Jerome Powell gave a speech 26.01.2022 regarding the outlook of their future measures to tackle inflation. Quantitative easing, which means central banks buying assets will most likely grind to a halt during coming months and interest rates will be lifted to a slightly higher level. This has a potential to cause turbulence in the stock market when investors realize they are on their own without the intervention of the central banks. How this will eventually impact stock market – Nobody knows. 

Peer-to-peer investments are based on real economy rather than having a speculative value. During the 2008 recession for instance Peer-to-peer lending companies in general suffered only marginally and still maintained profitability when other types of more risky forms of investments plunged in two digits numbers per centage wise. Fixura Ab Oy now part of SaveLend Ab offers a variety of investment products with risk management based on artificial intelligence. Such as:

Consumer loans: Consumer loans are loans issued to private individuals and enable consumers to finance needs such as housing, cars, repairs, or renovations. Our platform offers secured consumer loans to invest in.

Why consumer loans?

✓ Lending companies:   SBL Finance

✓  Target return:   7 – 9%

✓  Common loan periods:   5 months – 5 years, with terms for early repayments

✓  Average loan amounts:   ~ 300-2500 EUR

✓  Available on the secondary market:  Yes

Company loans: Company loans available on SaveLend’s platform are loans issued to small and medium-sized companies. By investing in creditworthy trade and industry borrowers, you contribute to an improved business climate and help entrepreneurs grow. Start-ups in emerging industries as well as established businesses in more conservative sectors invest in company loans.

Why company loans?

✓  Lending companies:   SBL Finance

✓  Target return:   8 %

✓  Common loan periods:   Maximum 5 years, with possible terms for early repayments and extension

✓  Average loan amounts:   ~ 50 000 EUR

✓  Available on the secondary market:   Yes

Factoring: By investing in invoice factoring loans from creditworthy lending companies, you help companies increase their liquidity and stabilize their cash flow. You also contribute to a flexible financing solution adapted to the end customer.

Why factoring?

✓  Lending companies:   SBL Finance

✓  Target return:   7 %

✓  Common loan periods:   Maximum 1 year, with possible terms for early repayments and extension

✓  Average loan amounts:   ~ 2000-5000 EUR

✓  Available on the secondary market:   Yes

Debt collection portfolio: A debt collection portfolio is a collection of non-performing consumer loans and other payments that is being collected by a debt collection company. All debt collection companies that publish investments on our platform follow good debt collection practices and specialize in handling late or unpaid payments.  If you have other investments in, for example, stocks, funds, or other loan types – debt collection portfolios are a great option to further diversify your investments.

Why debt collection portfolio?

✓  Lending companies:   SBL Finance, Partner Inkasso

✓  Target return:   8 %

✓  Common loan periods:   Maximum of 4 years

✓  Average loan amounts:   ~ 50 000 EUR

✓ Available on the secondary market:   Yes

Real estate investments: Invest in company loans used for corporate acquisitions, housing development, and other related investment initiatives.

Why real estate investments?

✓  Lending companies:   Svensk Kreditförmedling (SKF)

✓  Target return:   9 %

✓  Common loan periods:   3 – 24 months

✓  Average loan amounts:   ~ 900 000 EUR

✓  Available on the secondary market:   Yes

Import financing loans: Invest in company loans used for import financing, an investment where capital is used to free up working capital for fast-growing import companies.

Why import financing loans?

✓  Lending companies:   Treyd

✓  Target return:   7 – 8 %

✓  Common loan periods:   1 – 4 months

✓  Average loan amounts:   ~ 33 000 EUR

✓  Available on the secondary market:   Yes

Do you have questions?

Please feel free to contact our customer support or sales representatives if you wish to receive more detailed information regarding our investment products. We are happy to arrange a personal Microsoft Teams meeting with you upon request

Best regards,

Fixura Ab Oy