Moncera Review

Description

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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Rating

⭑⭑⭑⭑ ⭒

3.8

based on 3 ratings

Key Facts

Investment Structures	Direct (peer-to-peer)
Originator Types	Peers
Investing Into	Business Loans, Real Estate
HQ Country	Estonia

Investments

Interest Rates	7.00% – 12.00%
Number of Originators	2
Number of Countries	2
Currencies	EUR
Minimum Investment	10 EUR

Statistics

Average Net Return	10.40%
Total Loans Funded	6,605,000 EUR
Loans Outstanding	225,000 EUR
Loans Current	n/a
Loans Late	n/a
Loans 1 To 15 Days Late	n/a
Loans 16 To 30 Days Late	n/a
Loans 31 To 60 Days Late	n/a
Loans 60 Plus Days Late	n/a
Loans Defaulted (In Recovery)	n/a
Loans Defaulted (Recovered)	n/a
Loans Defaulted (Written Off)	n/a
Investors	2,400
Average Amount Per Investor	n/a
Principal Returned	n/a
Interest Earned	n/a
Late Fees Earned	n/a

Features

Auto-Invest	Available
Manual-Invest	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".
Secondary Market	Not available
Instant Cash-Out	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.

Risk & Security

Buyback Guarantee	Available
Moncera's loans foresee a 30-days buyback guarantee.
Payment Guarantee	Available as: One Click Exit
See also Instant Cash-Out (One Click Exit)
Rating System	Available as: Borrower Rating
Moncera rates borrowers on a scale from A (best) to D (worst).
Due Diligence	Available

Skin in the Game	Not available

Collaterals	n/a
Maximum Loan To Value (LTV)	n/a

Sign Up Bonus

Earn 1% of your deposit amount during 60 days after sign up.

Disclosure

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Legal Notice

This is not an offer to invest. Investing in financial instruments involves risk. No investment is guaranteed, and there is always a risk of partial or full loss of invested funds. This information is not investment advice or a recommendation. All investment decisions shall be made by you independently, taking into account all your personal circumstances. BeyondP2P earns commissions from platforms when you sign up through our affiliate links. This can influence how prominently platforms are displayed, but we strive not to let it influence us on how we write about them.