Questions about risk management and investors’ interests (Iuvo, PeerBerry, Grupeer, Envestio)

Дискусия в 'P2P Lending' започната от martin.nikolov, 17 Яну 2019.

  1. martin.nikolov

    martin.nikolov Финансов стажант

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    Iuvo: 7 questions about risk management and investors’ interests
    All answers are officially provided by Iuvo Group @ https://iuvo-group.com/en/

    Q1. What is the procedure when an originator/creditor bankrupts? What is the worst thing that could happen to an investor in this scenario?
    A1. The worst thing that can happen to an investor in the scenario of Originator’s bankruptcy is to lose the funds they invested in loans of that credit company. This is the only risk of p2p platforms. However, not everybody is let on the platform. Every company goes through a special selection. It is needed to have had significant growth in the past three years. You can check the financial reports of our originators when you are not logged into your account. Follow this link and scroll a few times while you reach them: https://www.iuvo-group.com/en/market/#/p0=primary_market_pub_page;p2=undefined;lang=en_US

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. If iuvo bankrupts, the investors are still safe. Your funds are guaranteed by the Originators. If we bankrupt, a law firm will hire a competent administrator to bring back the platform. The available funds will get back to your bank account as soon as possible. The invested amount will be returned just like how it is now – when there is a paid installment/ activated buyback guarantee. Basically nothing will change, except that you wont have the opportunity to make new investments or to deposit more funds.

    Q3. Who secures and provides the Buyback guarantee - Iuvo or your creditors/originators?
    A3. The Originators.

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. The Originators guarantee it with their capital. You can test it. It is not something that will happen very rarely and it will not endanger their stability.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 60 days term?
    A5. If an installment delays with 60 days, you receive your principle back on the 61st day. However, it is possible to have a bigger delay. If this happens, it is due to a technical issue, and if you notice something like that with one (or more than one) of your loans, we would like you to signal us, so we can contact the needed people, and get the issue fixed.

    Q6. Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)?
    A6. All loans on our platform have 100% buyback guarantee.

    Q7. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A7. So far we do not plan on posting the financial statement of iuvo because what concerns our investors are the financial statements of the Originators.
     
    Last edited: 23 Яну 2019
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  2. martin.nikolov

    martin.nikolov Финансов стажант

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    PeerBerry: 8 questions about risk management and investors' interests

    All answers are officially provided by PeerBerry @ https://peerberry.com/

    Q1. What is the procedure when an originator bankrupts? What is the worst thing that could happen to an investor when an originator/creditor bankrupts?
    A1. In case of insolvency of the Loan Originator AV Marketplace will take over the management of the claim. AV Marketplace can manage the claim itself or transfer the management of the claim to third party at AV Marketplace’s discretion. AV Marketplace as a fiduciary has an obligation to inform the Borrower on the assignment of the claim on behalf of the User and demand the Borrower to continue to make all payments arising from the claim to AV Marketplace or third party as a fiduciary of the User.

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. Insolvency of AV Marketplace will not affect legal relations between the User, the Creditor and the Borrower. In such case AV Marketplace shall be taking all the necessary steps so that a third party takes over the administration and management of all claims.

    Q3. Who secures and provides the Buyback guarantee - PeerBerry or your creditors/originators?
    A3. Buyback guarantee is loan originator’s is obligation to exercise buyback of the claim at the end of 60 day of overdue.

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. The is no specialized fund accumulated.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 60 days term? Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)?
    A5. The buyback occurs automatically at the end of the day then term of overdue is reached.

    Q6. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A6. Of course we will share financial statements for 2018 as soon as they will prepared. Also we are preparing to add more detailed information about each originator on our website.

    Q7. What is the actual profit margin of the platform? What is the expected/forecasted profit margin of the platform?
    A7. Peerberry was launched on the 1st of November 2017, the first year was ended with 9358 EUR loss and last year we became profitable, but we don’t have exact numbers yet, they will be prepared until March and we will share on our site.

    Q8. What are the actual interest rates and APRs for borrowers?
    A8. In every country Loan originators have different interest rates for the customers. Interest rates is dynamic, especially in short terms loans business and Loan originators decides what pricing to use at exact time. To know exact interest rates you can always check on our Loan originators web pages. Please find links below:

    Czech Repubblic:
    www.pujcka7.cz
    www.soscredit.cz

    Poland:
    www.smartpozyczka.pl
    www.pozyczkaplus.pl
    www.niewielkapozyczka.pl

    Denmark:
    www.momentlaan.dk

    Ukraine:
    www.eurogroshi.ua
    www.creditplus.ua
    www.automoney.ua
    www.sloncredit.ua

    Lithuania:
    www.lithome.lt

    Russia:
    www.creditstar.ru
     
    Last edited: 14 Фев 2019
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  3. martin.nikolov

    martin.nikolov Финансов стажант

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    Envestio: 14 questions about risk management and investors' interests

    All answers are officially provided by Envestio @ https://envestio.com/

    Q1. What is the procedure when a borrower bankrupts? What is the worst thing that could happen to an investor in this scenario?
    A1. Please read more about our buyback mechanism here: https://blog.envestio.com/how-safe-investments-in-envestio-are

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. In an unlikely case of Envestio shutting down all the agreements will be transferred to another legal entity, which will act as a new intermediary, in order to protect the interests and investments of Envestio participants.

    Q3. Who secures and provides the Buyback guarantee - Envestio?
    A3. Yes.

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. We maintain and adjust our reserves as a percentage of the total funds invested by the participants. It’s always kept in a range of 12-15% following industry’s best practices. We try to evaluate every potential borrower from various perspectives and make sure we have sufficient guarantees/assets under pledge from a company and/or its beneficial owners. In a low probably case a project default happening in future, we will chase the debtor with help of the Estonian office of a well-known international legal adviser and believe to be able to recover our funds.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected term?
    A5. We have enough reserves to execute any buyback, so we don’t plan such delays. But this may happen in a very low probability case of many projects defaulting at the same time and/or a huge simultaneous sale of investments made by participants (more than 15% of the total investments). In such extreme cases the repayment terms may be delayed, which applies also for licensed financial institutions such as commercial banks. Also we plan introducing a secondary market in future, so that the participants could sale investments to their peers.

    Q6. Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans or mass sale of investors' shares)?
    A6. Under these very extreme conditions there can be a delay. Our team would work out a unique set of measures for every particular situation. In case of a mass sale, we may think of placing solid projects for additional investment at the platform. In the case of defaulted loans there will be a recovery of the funds via an Estonian debt collecting agency.

    Q7. What guarantees that the value of the loan's collateral will cover the loan's nominal value after 6 months - 1 year?
    A7. We take a 1 year period into account when evaluating every project and assets provided under a pledge. Besides most projects have personal guarantees of the beneficial owner for the amount of the loan.

    Q8. Is there a risk of early repayment of the loan that would decrease the future expected yield (interest)?
    A8. In case a borrower decides to return the investment earlier, he still has to pay the interest for the whole period, mentioned in the agreement we enter. However, there were no such cases in the past.

    Q9. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A9. Yes, we will prepare the yearly financial statements, as every Estonian company does. All statements will be available electronically in the Estonian Company Registrar. They shall be available by the end of second quarter of 2019.

    Q10. Do you plan to regulate your activity through a European financial regulatory authority and when can we expect it?
    A10. Estonian regulatory body does not issue licenses for this types of business activities (Crowd investments). But we are voluntary member of the European Crowdfunding network (ECN) association and have to comply with the highest standards as the member. As soon as the Estonian regulatory body implements a possibility/requirement to obtain the license, we will be among the first members to apply for it.

    Q11. What is the actual profit margin of the platform?
    A11. We expect to publish our financial statements end of 2nd quarter (as per Estonian requirements, we may do so). We will not reveal the numbers until then.

    Q12. What is the expected/forecasted profit margin of the platform?
    A12. We expect the profit margin to be relatively small, since it was the 1st year of the platform, and we’ve invested in the platform, attracted project owners on favorable conditions for them and paid high bonuses to obtain the investor base.

    Q13. What are the actual interest rates and APRs for borrowers?
    A13. We used to charge the borrowers a 2-3% fee for studying/evaluation and placement of a project. It was charged prior to a project placement. You may check the historical interest rates paid to investors here: https://envestio.com/en/projects/. The total cost is a combination of both.

    Q14. What is the expected/forecasted loan default rate?
    A14. We study every project from different perspectives and make sure that we obtain sufficient guarantees/pledged assets from a borrower. So, we believe to be able to recover all the funds back via a debt collection agency in Estonia, in case a borrower defaults. On the other hand, we always maintain and adjust our reserves to 12-15% of the total funds invested, to be able to provide immediate buybacks in case such a default happens.
     
    Last edited: 23 Яну 2019
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  4. martin.nikolov

    martin.nikolov Финансов стажант

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    Grupeer: 13 questions about risk management and investors’ interests

    All answers are officially provided by Grupeer @ https://grupeer.com/

    Q1. What is the procedure when an originator/creditor bankrupts? What is the worst thing that could happen to an investor in this scenario?
    A1. In the case when loan originator bancrupts, the borrower is informed about change of his creditor, and the investor has direct claim rights towards borrower. In most cases an bankruptcy administrator will be appointed who will manage payments. Worst thing could happen is that the LO will not inform the borrower. In such case borrower will be informed later during official bankruptcy procedure.

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. Platform actually is an asset of the company. In case if the company bankrupts, investor can claim directly from the LO as LO still has liabilities towards all investors made investments to LO projects. All relationship is between investor and LO. We are working very active over new independents tools, that aimed at increasing the level of investors protection in case of default.

    Q3. Who secures and provides the Buyback guarantee - Grupeer or your creditors/originators?
    A3. Loan originator provides the Buyback guarantee. The existence of Buyback guarantee for a particular loan means that in case the borrower delays the current payment for the loan for a period exceeding 60 calendar days, the credit company that issued this loan is obliged to immediately buy back both your share in the loan and the shares of the rest of the investors in the amount of outstanding principal of the claim and accrued, but not paid interest. Buyback guarantee is stipulated in the agreements between the Platform and credit organizations. The existence of such a guarantee for a particular deal offered on the Platform is specified in its description, as well as in the description of the acquired claim right during the conclusion of assignment agreement. At the moment all deals offered on the Platform are secured with Buyback guarantee.

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. Platform (or Grupeer) evaluates every single LO before cooperation. We review legal and financial documents, as well as interview management in order to understand rights, financial stability and performance of LO. LO has portfolio of loans and most of these loans are not placed on the platform, hence LO has the ability to repay the project in case of its failure. Obligation of Buyback is set forth in the contract between Grupeer and LO. By accepting these liabilities, it is up to LO to decide whether it can accept it and set required financial reserve for fulfillment of (possible) Buyback. Generally, if LO has a bad balance sheet our analytics would probably notice that during initial examination and inform our management on possible risks. However, this does not safe everyone from willful fraud of persons being employed at specific LO.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 60 days term?
    A5. The Buyback guarantee comes into the force in case of payment delays by the borrower for more than 60 calendar days + 5 business days according to contracts with loan originators, which in turn may vary from time to time. Therefore, we may place on the website information that buyback term is 5 b.d. more.

    Q6. Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)?
    A6. In case the Buyback is not applied, the payment will be made to you after the procedural actions on debt recovery and sale of collateral in accordance with the legislation of the country where the loan was issued. The Buyback guarantee does not apply partially. In case of financial funds due to a lot of defaulted loans the investor acquires a claim right to the borrower, thereby becoming a joint claim right holder. Then it is not a BuyBack, but LO bankruptcy, see paragraph 1.

    Q7. What guarantees that the value of the loan's collateral will cover the loan's nominal value after 1 year?
    A7. If in loan deal we have real estate collatereal all customers is provided with colleteral valuation. If we speak about Real Estate, Platform evaluates development projects and also follows up the process. In fact, our CEO, who is highly experienced in development projects, visits these projects on-site. In evaluating the loan, analytics take into account the set of factors.

    Q8. Is there a risk of early repayment of the loan that would decrease the future expected yield (interest)?
    A8. Yes, this is mentioned in assignment agreement. As the repayment depends on the borrower, there might be a situation that a borrower wants to return the credit earlier. In this situation, you will get all the accrued interest and the principal payment before scheduled time. Investor will receive all investments made in this specific project and accrued interest up to repayment date. We would definately not use the word risk, as it only reduces investor’s risks, but possibility of early repayment.

    Q9. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A9. Should you wish to see an annual statement of Grupeer, it is available in Lursoft database. Kindly note that, since the platform is an electronic marketplace, under European accounting legislation all investment transactions are off-balance also you can find our financial statement on https://www.p2p-banking.com and statement about our sold projects on Facebook.

    Q10. Do you plan to add a Secondary market and if you do when? Currently, the lack of a secondary market does not allow us a quick unplanned exit from the investment.
    A10. We are working on the Secondary market, but we do not have a release date yet. All our investors will get an email regarding the Secondary Market, as soon as it will be ready to be exposed on our web page.

    Q11. Do you plan to regulate your activity through a European financial regulatory authority and when can we expect it?
    A11. We are not regulated by any financial regulatory (like FKTK in Latvia). Such activity is not regulated in Latvia. We are now switching to Ireland where our main company will be located. Ireland is more welcome to crowdfunding and p2p businesses. For the moment Grupeer has changed it’s jurisdiction, and is situated in Ireland, and probably in future we will be able to regulate our activity trough financial regulatory. As of now, we are not required to get licensed. It is one of our goals, but our priority is quantitative and qualitative growth, as well as wealth and happiness of investors.

    Q12. What is the actual profit margin of the platform?
    A12. All information for the year 2017 is already available on www.lursoft.com, the statement for the year 2018 will be available in April.

    Q13. What is the expected/forecasted loan default rate?
    A13. We have never had any default so far, therefore, our default rate remains 0%. Behind the loans that we placed on our platform sits back a top due diligence team, consisting of auditors, lawyers and risk analysts. They go through every loan originator and loan deal and make a decision of it is safe for our investor to invest in. Only after their wise conclusion products are placed on our platform.
     
    Last edited: 23 Яну 2019
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  5. Opi

    Opi Одитор

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    Хубави въпроси си задал, но би било добре да дадеш български вариант на въпросите и отговорите или поне на най-важните въпроси.
     
  6. martin.nikolov

    martin.nikolov Финансов стажант

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    Да, разбира се. В случай, че имам повече свободно време ще се опитам да ги преведа на български.

    Обема на съдържанието е между 2000 - 2500 думи и прави задачата трудоемка за един човек и всяка помощ от доброволец ще бъде полезна.
     
  7. martin.nikolov

    martin.nikolov Финансов стажант

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    Robocash: 6 questions about risk management and investors’ interests

    All answers are officially provided by Robocash @ https://robo.cash/

    As a general note, you should be aware that as any other investment also investments done through Robocash platform is associated with certain risk including possible losses from investments, however platform itself and loan originators have implemented appropriate measures to mitigate this by issuing loans to the borrowers only subject to carefully developed internal risk policies by loan originators and ensuring buy back guarantee.

    Q1. What is the procedure when an originator/creditor bankrupts? What is the worst thing that could happen to an investor in this scenario?
    A1. In case of insolvency or liquidation process of the creditor, the appointed administrator of the creditor will take all necessary actions to collect on the loans issued by the creditor, hence ensure the continuity of the debt collection process including for loans in which the investor has invested in, however buyback guarantee in case of insolvency or liquidation process most likely will not be enforceable due to solvency issues of the creditor.

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. Considering platform’s intermediary role in this transaction (purchase of claims by investors in peer to peer loan platform maintained by platform owner for loan issued by creditor) between the creditor and the investor, change of platform’s legal and financial status does not affect the legal relationship between the investor and the creditor, and does not affect investors right to receive payments from the creditor in accordance with assignment agreement generated for every made transaction (purchase of claim for loan issued by the creditor) on the platform.

    Q3. Who secures and provides the Buyback guarantee - Robocash or your creditors/originators?
    A3. Buyback guarantee in accordance with clause 6.11. of the platform user agreement is an undertaking made by the creditor, which provides that in case the particular borrower delays fulfillment of its payment obligations for more than 30 (thirty) calendar days, the creditor undertakes to repurchase back investors bought claim.

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. Creditors buyback guarantee is not backed by a fund or any similar type of security, and therefore is dependent on financial well-being of the creditor who issues such guarantee.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 30 days term? Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)?
    A5. In the unlikely event of solvency issues of the creditor the execution of the buy-back guarantee might be hindered, but impossible to determine to what extent exactly.

    Q6. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A6. According to Latvian legislation, financial statement for the financial year ended 31 December 2018 should be submitted to the State Revenue Service until 30 April 2019 and after submission it becomes publicly available. Robocash management expect to release financial information to Robocash website no later than 30 April 2019. Due to different local regulations for loan originators, Robocash management expect to publish financial statements for the financial year ended 31 December 2018 according to the set deadlines by local legislation. For Z-Finance TOO - not later than 31 March 2019, for Robocash Finance Corporation and RC Riga - no later than 30 April 2019, for Prestamer - no later than 30 July 2019. As soon as financial statements will be prepared, management will publish respective information on the website.
     
  8. martin.nikolov

    martin.nikolov Финансов стажант

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    UPDATE:
    • Envestio - добавени са 4 нови Q/A на дъното на документа.
    • Grupeer - добавени са 2 нови Q/A на дъното на документа.
    • Robocash - добавени са 6 нови Q/A.

    Какво следва:
    • Q/A към българската Cashlend (https://www.cashlend.bg)
    • Q/A към Mintos
    • Q/A към Crowdestor
    • Още няколко Q/A към Iuvo и PeerBerry.
     
  9. Stoycho Nedev

    Stoycho Nedev Финансов Контрольор

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    По
    По-добре ги остави на английски. Така по-лесно някои блогъри, които не говорят български ще могат да си пляскат по жалките сайтчета с cut and paste ;)
     
  10. martin.nikolov

    martin.nikolov Финансов стажант

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    Нямам нищо против да се популяризират и дискутират тези въпроси в публичното пространство. Но затова трябва да се спазват и някакви общи принципи, най-малкото да се попита дали могат да се използват и да се спомене първоизточника.

    Въпреки, че не съм направил нищо грандизно, се намери явно човек-предприемач, който да популяризира блога си и да печели пари чрез афилийет програми на мой гръб, преувеличавайки, че това са негови "интервюта". Най-малкото съм отделил време затова и моята цел не е била да печеля пари. Никъде не съм сложил моите афилийет линкове към платформите, въпреки, че инвестирам в тях.

    Явно и аз трябва да си направя блог, най-малкото за да бъдат нещата малко по-лесно достъпни за публиката.
     
  11. Opi

    Opi Одитор

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    Кой е този препдриемач?
     
  12. JOJOBG

    JOJOBG Финансов Контрольор

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    @martin.nikolov Ако правилно съм те разбрал в каква посока биеш, ще те помоля учтиво да го проведете на лични. И само да ни осените с крайния резултат на авторския ви спор. Не защитавам никого и няма да ходя гледам тайм стампи на постове. Големи хора сте, разберете се.
    @Opi тоя мач викам да не е публичен във форума ма да видим :)
     
  13. martin.nikolov

    martin.nikolov Финансов стажант

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    Cashlend.bg: 7 questions about risk management and investors’ interests

    All answers are officially provided by Cashlend @ https://cashlend.bg/

    Cashlend е онлайн платформа за кредити чрез която инвеститорите могат да инвестират в кредитите на одобрените според нашите критерии заемополучатели и да получават месечна доходност от 1,5% за инвестицията си. Сумите на кредитите, които Cashlend отпуска са от 200 до 2000 лева. Минималната сума, която можете да инвестирате е 100 лева.

    Cashlend is an online credit platform where investors can invest in loans and receive a monthly return of 1.5% for their investment. The amount of credits that Cashlend loans are between BGN 200 (~€100) and BGN 2000 (~€1000). The minimum amount you can invest is BGN 100 (~€50).

    Q1. What is the procedure when an originator/creditor bankrupts? What is the worst thing that could happen to an investor in this scenario?
    A1. In case of bankrupt of a originator/creditor our platform will:
    • Inform the affected, by the default, investors.
    • Will take over the management of the loans on behalf of the investors and will undertake collection of their investments on their behalf. In a case where the platform could not collect the money of the investor it would propose to the affected investors to sue the borrower on their behalf or to sell the claim to third party in order to satisfy investor’ claims.
    • The worst case for the investor would be his/her claims toward borrowers to be sold to third party collection agency for a small percentage of its original value.

    Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario?
    A2. In case the platform/company behind it bankrupts the investor will still be receiving his/hers investment and profit, since he/she has contract with the originator of the loan. The worst that could happen to an investors in such a case is some delay in the retrieving of funds.

    Q3. Who secures and provides the Buyback guarantee - Cashlend or your creditors/originators?
    A3. The Buyback guarantee is provided by the creditors/originators, which are usually registered and responsible with capital not less than BGN 1,000,000 (€ 500,000)

    Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee?
    A4. The Buyback guarantee is provided by a specific fund of the originator, which is obligated to deliver the payment if there is such a need. If there are not sufficient funds to satisfy, simultaneously, all of the investors some of them will have to wait until the originator have enough funds to pay them the buyback guarantee.

    Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 60 days term?
    A5. Yes, it is possible the Buyback guarantee to get delayed, longer than the expected 60 days term.

    Q6. Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)?
    A6. The Buyback guarantee would be applied under any circumstances.

    Q7. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it?
    A7. Yes, thank you for this question, this is great idea. We will consider to start offering financial reports, starting from the first quarter of 2019.

     
  14. martin.nikolov

    martin.nikolov Финансов стажант

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    UPDATE:

    Какво следва:
    • Q/A към Mintos
    • Q/A към Crowdestor
    • Още няколко Q/A към Iuvo и PeerBerry.
     
  15. Stoycho Nedev

    Stoycho Nedev Финансов Контрольор

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    Един белгиец, който изключително нагло беше сложил въпросите в блога си с cut-and-paste. Прав е да се ядосва. И аз бих се изнервил.
     
  16. Stoycho Nedev

    Stoycho Nedev Финансов Контрольор

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    Не сте го разбрали правилно - не съм аз ;) Не съм я докарал до там още ;) Те се разбраха с един белгиец в една английска група за P2P във фейса. Беше доста жалко изпълнение наистина. Някои от "интервютата" ги махна, а други перефразира. Като цяло доста се изложи и то публично, така че се надявам да му е за урок ;)
     
  17. JOJOBG

    JOJOBG Финансов Контрольор

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    Не ползвам фейс. Ама правилно си разбрал грешното ми разбиране. Радвам се.
     
    Stoycho Nedev likes this.

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