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⭑⭑⭑⭑
3.8
based on 3 ratings

Moncera is a p2p lending platform where you can invest in consumer loans (and recently into real estate). Since August 2021, the platform is owned 100÷ by Placet Group, an Estonian loan originator. The latter is also active on the mintos marketplace. The group usually is considered to be one of the best loan originators on mintos. Hence, Moncera is a spin-off to offer investors the possibility to directly invest into Placet Group loans. Usually, the investors are rewarded with higher returns, around 11% of annual returns.

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Key Facts

Investment Structures

Moncera Direct (peer-to-peer)

Originator Types

Moncera Peers

Investing Into

Moncera Business Loans, Real Estate

HQ Country

Moncera country image Estonia

Investments

Interest Rates

Moncera 7.00% – 12.00%

Number of Originators

Moncera 2

Number of Countries

Moncera 2

Currencies

Moncera EUR

Minimum Investment

Moncera 10 EUR

Statistics

Average Net Return

Moncera 10.40%

Total Loans Funded

Moncera 7m EUR

Loans Outstanding

Moncera 225k EUR

Loans Current

Moncera n/a

Loans Late

Moncera n/a

Loans 1 To 15 Days Late

Moncera n/a

Loans 16 To 30 Days Late

Moncera n/a

Loans 31 To 60 Days Late

Moncera n/a

Loans 60 Plus Days Late

Moncera n/a

Loans Defaulted (In Recovery)

Moncera n/a

Loans Defaulted (Recovered)

Moncera n/a

Loans Defaulted (Written Off)

Moncera n/a

Investors

Moncera 2,400

Average Amount Per Investor

Moncera n/a

Principal Returned

Moncera n/a

Interest Earned

Moncera n/a

Late Fees Earned

Moncera n/a

Loan Originators Statistics new

Moncera n/a

Features

Auto-Invest

Moncera

Available
Manual-Invest

Moncera

Available as: Manual invest, Projects

You can invest into consumer loans with the "Manual invest" function. If you want to invest into real estate projects, choose "Projects".

Instant Cash-Out

Moncera

Available as: One Click Exit

One of the most competitive and popular features of Moncera is the "One Click Exit" option for loans. In spite of the absence of a secondary market, investors can sell a loan at any time instantly. If you exit the loan very quickly (roughly before the first payment of the borrower), you can exit the loan for free. However, the usual case is that you want to exit after some time has passed. Then you need to pay a 0.5% of the outstanding loan sum in order to exit the loan quickly. All in all, we find that One Click Exit is a real alternative to Bondora's Go & Grow or mintos strategies.

Secondary Market

Moncera

Not available

Risk & Security

Buyback Guarantee

Moncera

Available

Moncera's loans foresee a 30-days buyback guarantee.

Payment Guarantee

Moncera

Available as: One Click Exit

See also Instant Cash-Out (One Click Exit)

Rating System

Moncera

Available as: Borrower Rating

Moncera rates borrowers on a scale from A (best) to D (worst).

Due Diligence

Moncera

Available
Skin in the Game

Moncera

Not available

Collaterals

Moncera n/a

Maximum Loan To Value (LTV)

Moncera n/a

Moncera – is it a match?

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