Value Nomad

March 23, 2019

Grupeer Review (Peer to Peer Lending)

Grupeer review: let’s check one of the biggest peer to peer lending websites in Europe and analyze its functionalities in this post below

Are you looking for a reliable peer to peer website to invest? In our Grupeer review we will understand why this peer to peer platform is one of the fastest growing in the European P2P market.

grupeer review

Grupeer Overview

Peer to peer lending is booming, and there is no doubt about it. The relatively young industry is growing by two digits every year in Europe and in the rest of the world, and it is easy to understand why. While savings account and traditional banking investments pay low returns, peer to peer lending is a good alternative for investors to earn more and diversify their portfolio.

One of the biggest players in this industry is Grupeer. The peer to peer lending platform hails from Latvia, and is one of the fastest growing business in the peer to peer lending niche. As of 2018, the company reached a mark of more than 10 millions euros in issued loans, with average earnings of 14.54%. It also has more than 2600 investors registered, a number that is constantly growing.

Let’s learn more below in our Grupeer review about what the platform has to offer and how to invest using it.

Opening an Account in Grupeer

The first step to invest in Grupeer is to open an account. All you need to do is an email account and you can instantly open the account. You can immediately access all available loans and development projects, with all its details such as interest rate and loan period.

Click here to open an account on Grupeer

How to Invest in Grupeer

Investing in Grupeer is a relatively seamless and simple procedure. You need to open an account, pass the AML/KYC and then transfer money to your Grupeer account. Once the money is available in your account, you can choose manually in which investment you want to put your available funds. Grupeer also has an auto-invest feature (more on that below).

Types of Investment Available at Grupeer

Grupeer has two main categories of investment. The first is focused on the business peer to peer loans that you find in most platforms on the niche. Grupeer also has development projects, in which you can earn for investing in real estate.

Real Estate Developments on Grupeer

Real estate developments are, in my opinion, the most interesting investment opportunities currently available on Grupeer. There are not too many real estate projects available for funding at the same time, but the ones which are, are pretty interesting.

Another interesting aspect of Grupeer is that you can see the types of development available for investment even without opening an account. You can check the currently available option here. You also have very thorough information available on each project, with ROI, LTV Ratio, etc.

grupeer review real estate

Business Loans on Grupeer

Grupeer also has a wide variety of business loan for peer to peer lending investors. Each one of them also count with a company overview and what will the funds be used for. It also features information on the return on investment, duration of the loan, etc.

Grupeer Auto Invest Tool

A tool that is getting popular among many peer to peer lending platforms. It is available o Mintos (you can read more about it in our Mintos review) and it is also available on Grupeer.

The Auto Invest tool is ideal if you don’t want to manually browse for loans or you do not want to manually reinvest that has been already paid back on the platform.

The Auto Invest is pretty flexible, and allows the user to choose a wide range of criteria to automate his investments. You can choose the interest rate amount, the term intervals, the limit of the amount to be auto-invested and the maximum amount per project. As we can see below:

How Much Can you Earn on Grupeer?

By the time this article was published, Grupeer had a net yearly return of 14.54%. However, this may change for every investor, depending on a number of factors.  Inside Grupeer, it will depend on which investments you will choose on the platform itself.

By the time this article has been published, all projects on Grupeer had a buyback guarantee. I consider that as extremely important in any p2p lending review, to minimize the risk on the investments.

Another aspects you should consider are: how much your bank will charge you to send and receive money. Ideally, I recommend choosing a bank that charges flat fees per transaction, instead of a %, especially if you want to transfer higher amounts to peer to peer platforms. Finally, income from peer to peer lending is taxable (in most countries), therefore you should consider how much of taxes you must pay for the accrued interest in platforms like Grupeer.

Who can Invest on Grupeer?

Another important factor when choosing a peer to peer investing platform is whether it is available to your jurisdiction. Grupeer is currently available for both corporations and individuals with a bank account in the EEA Area (plus Switzerland). If you don’t have a bank account in the European Economic Area you can still contact them to see whether it is possible to invest in the platform from your jurisdiction.

Grupeer Pros

  • Great average return on investment.
  • Diversify projects and loans to invest, including real estate.
  • Auto invest is available.

Grupeer Cons

  • Limited number of real estate projects available.

Grupeer Review: Verdict

Grupeer is a great peer to peer lending and investing platform, with a good number of opportunities to invest. The platform is intuitive, and can be a great option if its your first p2p investment, or if you want to diversify your portfolio.

Click here to start investing on Grupeer now

Other Peer to Peer Lending Resources

If you are considering investing in peer to peer platforms, you may want to check some of our other guides and reviews on this topic. There are many peer to peer lending and investing platforms currently available, and you can diversify your interest income by using several of them simultaneously. Check our post on the best peer 2 peer lending platforms in Europe, and the best real estate crowdfunding platforms in Europe.

Are you already investing in Grupeer or in any other peer to peer lending platform? Leave your thoughts and questions about this Grupeer review below.

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