Home » Invest » PROFITABILITY

PROFITABILITY OF CROWDLENDING

The profitability obtained by the crowdlending investor depends on two factors:

  1. Basis rate: it´s the same for all the loans and depends on the average interest rates of the market
  2. Volatility and risk factor: it depends on the solvency grade of the loan.

Commitment of transparency: we want you to have all the information so you can compare and make the best choice. The Internal profitability rate (TIR) is an indicator that is used to know the profitability of your investments, taking into account the expected returns and expenses of such investment. The TIR varies according to the expiration date of the loan and the solvency of the borrower

PROFITABILITY OF CROWDLENDING WHILE INVESTING IN INDIVIDUALS

GRADO DE SOLVENCIASUBGRADOTIR 0-12 MESESTIR 13-24 MESESTIR 25-36 MESESTIR 37-48 MESESTIR 49-60 MESES
SOLVENCIA MUY ALTAA13,50%3,85%4,20%4,55%4,90%
A24,00%4,40%4,80%5,20%5,60%
A34,50%4,95%5,40%5,85%6,30%
SOLVENCIA ALTAB15,50%6,05%6,60%7,15%7,70%
B26,50%7,15%7,80%8,45%9,10%
B37,50%8,25%9,00%9,75%10,50%
SOLVENCIA MEDIA-ALTAC18,75%9,63%10,50%11,38%12,25%
C210,00%11,00%12,00%13,00%14,00%
C311,25%12,38%13,50%14,63%15,75%
SOLVENCIA MEDIAD112,75%14,03%15,30%16,58%17,85%
D214,25%15,68%17,10%18,53%19,95%
D315,75%17,33%18,90%20,48%22,05%

PROFITABILITY OF CROWDLENDING WHILE INVESTING IN COMPANIES

GRADO DE SOLVENCIASUBGRADOTIR 0-12 MESESTIR 13-24 MESESTIR 25-36 MESESTIR 37-48 MESESTIR 49-60 MESES
SOLVENCIA MUY ALTAA12,65%2,92%3,18%3,45%3,71%
A23,15%3,47%3,78%4,10%4,41%
A33,65%4,02%4,38%4,75%5,11%
SOLVENCIA ALTAB14,15%4,57%4,98%5,40%5,81%
B24,65%5,12%5,58%6,05%6,51%
B35,15%5,67%6,18%6,70%7,21%
SOLVENCIA MEDIA-ALTAC16,40%7,04%7,68%8,32%8,96%
C27,65%8,42%9,18%9,95%10,71%
C38,90%9,79%10,68%11,57%12,46%
SOLVENCIA MEDIAD110,40%11,44%12,48%13,52%14,56%
D211,90%13,09%14,28%15,47%16,66%
D313,40%14,74%16,08%17,42%18,76%