Debitum Network Review: Peer to Peer Lending

Starting from 7th of February new Loan Originator – company Flexidea Polska – is available to Debitum investors.

Currently two Flexidea Polska ABS programs with 3-and 6-month periods and great interest rates – 11% and 11.25% p.a. – are available on Debitum.

All financial instruments (Asset-Backed Securities) on Debitum platform has a buyback obligation from loan originator.

Debitum Network joins forces with Cardec Factoring. Debitum Network is happy to announce that today they have formed a new partnership with a loan originator from the Netherlands – “Cardec Factoring”. This is great news for Debitum Network’s investors as they will be getting new assets to invest in with attractive interest rates and a buyback guarantee.

Some operations in Debitum have a Buyback Guarantee, and some do not. Transactions with Buyback generally have a lower gross return than transactions without Buyback, so it is something to take into account when opting exclusively for loans with Buyback.

At the moment Debitum Network does NOT have a secondary market, but since the vast majority of its operations are planned in the short term, it is not a priority functionality either. The liquidity of our capital will be acceptable due to the rapid maturity of most loans.

We can manually invest in any of the operations from 10 euros per loan or choose one of the 3 strategies that appear at the top of the screen (CONSERVATIVE, MODERATE or AGGRESSIVE) that will distribute the available capital among all the operations that meet the predefined criteria.

The loans on Debitum Network platform are secured by a buyback guarantee. As of today, there were 2.5% bad loans on Debitum Network. And that did not affect returns for investors, as all the bad loans were bought back.

At any given time there are about 30 assets to invest.
Annual interest rates are within the range of 10-15%.
Industries that dominate are: Logistics, Manufacturing, Wholesale and Services.
Maturity terms from a few weeks to half a year.
Guarantee. Typically: invoices, personal (from owners), company (another company issues a guarantee).
Loan amounts vary from 4000 to 50 000 Euros.
Amounts for investment are flexible (10 Eur is the minimum).
Portfolio types: conservative, moderate, aggressive

Each asset has a guarantee and you can get a description about it when you press "View" and then "Borrower and under Asset details". You will find what kind of guarantee is offered.
Regarding investing in Euros. If you invest Euros, you earn interest in Euros. And you do not have to buy DEB tokens in order to invest in Euros.