HeavyFinance is a Lithuania-based peer-to-peer (P2P) lending platform that focuses on agricultural loans secured by assets such as heavy machinery and farmland. Advertised average annual returns range from 12% to 14%, with a minimum investment of €100. The platform includes features such as auto-invest and a secondary market to provide investment flexibility. HeavyFinance is regulated by the Bank of Lithuania and has received the European Crowdfunding Service Providers (ECSP) license, which allows it to operate across the EU.
The platform's management team has a background in fintech and P2P lending, contributing to its overall credibility. However, some reviews point to concerns about loan performance, with a significant percentage of loans, around 39% as of October 2024, being overdue, potentially affecting investor returns and liquidity. HeavyFinance’s emphasis on the agricultural sector offers a unique investment opportunity, but it also exposes investors to sector-specific risks. The platform has made efforts to maintain transparency, providing regular performance updates to help investors make well-informed decisions. Reviews are mixed, acknowledging both the platform's potential for high returns and the challenges posed by overdue loans and the inherent risks of agricultural lending.
Since HeavyFinance doesn't publish actual net annual returns, the net annual return was estimated by reducing the average weighted interest of 13.19% with the ratio of defaulted loan amounts versus interest paid amount.
Available. HeavyFinance offers an auto-invest feature that allows investors to automate their investments according to predefined criteria.
Manual-Invest
HeavyFinance
Available
Available. Investors can manually select and invest in individual loans listed on the platform.
Instant Cash-Out
HeavyFinance
Available
Instant Cash-Out: Not available. The platform does not offer an instant cash-out feature; liquidity depends on the ability to sell investments on the secondary market.
Secondary Market
HeavyFinance
Available
Available. HeavyFinance provides a secondary market where investors can buy and sell existing investments, offering increased liquidity.
Risk & Security
Buyback Guarantee
HeavyFinance
Available
Buyback Guarantee: Not available. HeavyFinance does not offer a buyback guarantee. Instead, loans are secured by collateral such as heavy machinery or farmland.
Payment Guarantee
HeavyFinance
Available
Payment Guarantee: Not available. There is no payment guarantee; returns depend on borrower repayments.
Rating System
HeavyFinance
Available
Rating System: Available. The platform assigns risk ratings to loans, helping investors assess the risk associated with each investment.
Due Diligence
HeavyFinance
Available
Due Diligence: Available. HeavyFinance conducts due diligence on borrowers and provides detailed information about each loan, including financial data and collateral details.
Skin in the Game
HeavyFinance
Not available
Collaterals
HeavyFinance
Inventory
Maximum Loan To Value (LTV)
HeavyFinance
70.00%
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