Twino Review

Description

Twino offers a wide range of loan investments, while emphasizing its European origins. The platforms brokers directly the loans between the involved parties. Having started in 2009, it uses buy-back guarantees to convince potential investors.

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Rating

⭑⭑⭑ ⭒ ⭒

3.6

based on 4 ratings

Key Facts

Investment Structures	Direct (peer-to-peer), Marketplace (peer-to-business)
Originator Types	Peers, Loan Originators
Investing Into	Business Loans, Consumer Loans, Real Estate
HQ Country	Latvia

Investments

Interest Rates	10.00% – 14.00%
Number of Originators	0
Number of Countries	5
Currencies	n/a
Minimum Investment	10 EUR

Statistics

Average Net Return	10.00%
Total Loans Funded	81,500,000 EUR
Loans Outstanding	n/a
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	25,622
Average Amount Per Investor	n/a
Principal Returned	n/a
Interest Earned	n/a
Late Fees Earned	n/a

Features

Auto-Invest	Available as: Auto-Invest, Auto-Invest Portfolios, Portfolio Builder
Basically Auto-Invest, Auto-Invest Portfolios and Portfolio Builder are the same thing.
Manual-Invest	Available as: Manual Investment, Ventures
Use Manual Investment to invest into single loans. Or, what makes more sense, pick your favorite real estate object with Ventures.
Secondary Market	Available
Once you have invested into a loan, you can offer them for sale on a automatized secondary market. You can also only sell a part of the debt that the lender owes to you. By this, you can pull your money out of the investments.
Instant Cash-Out	Not available

Risk & Security

Buyback Guarantee	Available
Twino promises to buy back a loan (principal amount and accrued interest for full term), if a borrower is late with the repayment for over 60 days.
Payment Guarantee	Available as: PG
Twino claims it would compensate both the invested principal amount and interest according to the loan repayment schedule for the whole loan period, even if the borrower is late with the repayment.
Rating System	Not available

Due Diligence	Not available

Skin in the Game	Not available

Collaterals	Property, Personal Guarantee, Business Guarantee, Company Stocks
Maximum Loan To Value (LTV)	n/a

Sign Up Bonus

Earn 20€ after having signed up, deposited and invested at least 500€ to your Twino investment account.

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.