Tag: most popular industries to invest
Debitum Network platform update: October statistics
Dear Debitum Network community we will present Debitum Network platform update,
Another month has passed and it is time to look at the stats from Debitum Network platform for October. It was great for us and we hope you enjoyed the earned interest investing in the assets on our platform. We saw a few records broken in a number of areas. A steady stream of users came, registered and started investing with us. Without further ado, let’s analyze the stats together. Oh, there is also a special offer for you at the end of the post!
The number of registered users (activated)
A record number of users registered and activated their accounts last month. 547 new users joined Debitum Network family in October. The previous record was 522, a year ago, in September when the platform launched. The total number of registered users (who have activated their accounts) has risen from 2,642 to 3,189. This is a 20.7% growth in a month and 511% since the launch. We do expect a tenfold growth this year as we target specific geographical areas cooperating with bloggers and influencers who operate there. We are glad that the trust in Debitum Network platform has radically increased and more users invest with us. If you haven’t joined our platform you can do it in a few minutes, deposit and start investing right away.
Money deposited
The second record was made in the amount of deposits. The users added 282,819 Euros to their accounts and the total amount of deposits grew from 1,089,820 Euros in September to 1,372,639 Euros in October. It is a 25.95% growth in a month. We managed to reach 1 million Euro deposits within a year and expect it to grow ten times within the next year.
Debitum Network offers investors the potential to earn up to 15% annually, and you can make a deposit as many times as you want. The minimum deposit amount is 50 Euros (from SEPA accounts or British Pounds (GBP) from local accounts, and US Dollars (USD) from US-based accounts)). The minimum investment amount is just 10 Euros. All transactions in the assets are done in Euros.
The amount of loans originated
After September, which was a record-breaking month for loans originated on Debitum Network, there was a minor decrease. However, the amount far outweighs any other month in terms of the volume of loans, except September. The total volume of loans reached 1.33 million worth of euros by the end of October. We expect even greater growth to pick up by the holiday season as we are in negotiations with a few new loan originators and will most likely onboard some by the end of 2019. Stay tuned!
Money invested
Investments have dramatically picked up in September when the record was broken and the amount keeps steady in comparison to the first two quarters when we launched our platform. The total amount invested in the assets in October was 769,833 EUR. That is a growth of 14.43% in a month. For quite a while we have more than 1 million EUR invested in the assets at any given time. This is an excellent opportunity for investors to earn compound interest as they can reinvest their principal and earned interest when the assets they had invested in are repaid. We also crossed a 6 mil EUR milestone of total investments. More deposits and increased activity in investments will pick up when the portfolio of assets grow on the platform.
Most popular industries
The number of most popular industries expanded in September from 5-6 (previous months) to 8. In October, the number remained the same, which is really good. We expect over 10 industries with the onboarding of new loan originators in the near future.
The Wholesale industry assets have remained the most popular among investors for months. More than 25% of the total invested amount went to the assets of the industry. About the same percentage of investments went to the Production industry. The 2 industries covered slightly more than 50% of all investments. The assets of the industries have had the most attractive interest rates. The assets are short term in duration and that could be another cause for such popularity among investors.
A little over 6% was invested in the Real Estate industry assets. The assets come from our newest partner and loan originator Vihorev Investments and more than have of them have already been funded. These are test assets and most likely more will come when the initial 15 ones have been funded and repaid. They are long term and vary from 260 to 440 days. We always stress the importance of diversification, and Real Estate assets are an excellent choice to mix up short term investments with the long term ones. The interest rates for the assets are 9.5%-10%.
Money invested using an auto-invest tool
2 months in a row we saw a record broken in the usage of auto-invest tool on our platform. 239,507 euros were invested using the tool. That is a 37.8% increase in a month. There are obvious advantages in using the tool and a lot of investors use it now. You can simply create an auto-invest plan in a few minutes with the parameters of your choice and the tool will do the job for you. That is a job being done, without you doing the job! Do not miss another good opportunity and create a plan today. Then, enjoy compiling interest, which the tool will reinvest for you when the principal and interest are repaid.
Special offer of the week
The Special offer of the week comes from our newest partner and loan originator Vihorev Investments. The borrowing company owns a higher-end apartment building in the central part of Prague, the capital of the Czech Republic. The building has been fully renovated using shareholders’ funds (equity) and a loan from a local bank. Now, 22 apartments are sold and 18 apartments are left for rent by the borrower. It is expected that over the upcoming 5 years the project will generate a 148% return on equity from renting the apartments and have an average occupancy rate of over 75%. The asset is protected by the buyback guarantee. Furthermore, 100% of the borrower shares are provided as collateral. Sounds good enough? Take a look at the asset and if you like what you see, be sure to add it to your portfolio.
Disclaimer: Investments in financial products are subject to market risk and any investment should only be done with risk capital. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.
Debitum Network platform update: May statistics
Debitum Network platform update: May statistics
Last month we celebrated a few milestones on Debitum Network platform; one that we had 2 million euros invested in assets. The other one, April was the record-breaking month in terms of investments. Another month has passed and it is time to look through the stats again. How was the month of May for Debitum Network? Take 5 minutes of your time to find out. The statistics reflect changes in the following data: number of registered users, money deposited, money invested, most popular industries and money invested using an auto-invest function. And one more important thing, last month we redesigned Debitum Network platform from square one and you can try the BETA of the updated version now.
The number of registered users
After a few months of slowed growth in registrations, we saw a tendency shift as the number of registrations picked up. 140 new users joined our Debitum Network platform last month. The total number rose from 1845 in April to 1985 in May. It is 7.59% growth in a month. We started with 556 users last September. During the period of 9 months, the number grew by 257%.
Registration on the platform is free, you can try for yourself how the new version looks and works. If you like what you see, you can deposit and start investing in the assets of your choice.
Money deposited
There has been an acceleration of deposits in the past two months after a slow down in March. The users added 64,334 Euros to their accounts and the total number of deposits grew from 627,436 Euros to 691,770 Euros, which is 10.25% growth in May. We expect the number to increase more significantly as the users from new geographical markets (Spain) and more institutional investors onboard our platform.
Anybody can register on our platform and start investing in the assets. The minimum deposit amount is 50 Euros (from SEPA accounts or British Pounds (GBP) from local accounts, and US Dollars (USD) from US-based accounts)). The minimum investment amount is just 10 Euros. All transactions in the assets are done in Euros.
Money invested
Investors put 496,034 Euros into various industries in the month of May. This is a bit lower than the previous month, but have in mind that April was a record-breaking month in terms of investments in the assets on our platform. The total number of investments grew from 2,042,868 Euros to 2,538,902 Euros. That is 24.3% growth for the month and an astounding 6,953% increase from last September when we launched our platform. We are eying 3 million Euro milestone for the month of June.
Most popular industries
It is the 4th month in a row when the Wholesale industry has been the most popular one among investors on Debitum Network platform. For 3 straight months, investments in the assets of the industry increased regularly from 41.5% in February to 60.65% in March and to 69.37 in April. The investments for the assets in Wholesale in May was 46.2%. Average interest rates for the industry was 9.88%.
More assets came from our partner Factris Lithuania in the industry of Manufacturing and the industry was the second most popular industry among investors. 28.36% of all invested money went to the industry. The average interest rate for it stood at 9.85% in May.
The highest average interest rates were in the Services (10.74%) and the Health industries (12%).
Money invested using an auto-invest tool
The Auto-invest tool is meant to help all the investors not to miss a single investment opportunity, which matches their chosen settings. If you have created the auto-invest plan be sure to check if you haven’t disabled it by accident. In our newly updated platform, you choose a plan based on your risk tolerance: Conservative, Moderate, or Aggressive. Then set the parameters within the plan and click “CREATE NEW PLAN” button. You are all set and the feature will do the investment for you.
More and more users start using the feature. 35,865 Euros were invested using the feature in the month of May (From 95,506 Euros in April to 131,371 Euros). That is 37.55% growth in the usage of the feature. Do not let your money stay idle and take advantage of all the benefits that the auto-invest tool gives.
The BETA version of Debitum Network 2.0 is live now
9 months after the launch and we managed to transform the initial version of the platform from square one. The BETA version of Debitum Network 2.0 is live now. We got a lot of feedback from both influencers, and platform users. Most of it is great! We and the users are happy with the major update that we managed to achieve. The new version is way more user-friendly, simple to use, and customized for mobile users. Check it out for yourself.
Disclaimer: Investments in financial products are subject to market risk and any investment should only be done with risk capital. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.
Debitum Network platform update: April statistics
Debitum Network platform update: April statistics:
One more month passed by and it is time to look through the stats from our platform for the month of April. There was steady growth in most areas, and some even saw record-breaking numbers. The statistics reflect changes in the following data: number of registered users, money deposited, money invested, most popular industries and money invested using an auto-invest function. Plus, we will mention a new party that joined our platform this month. So, fasten your seatbelts and let’s go.
The number of registered users
90 new users joined our Debitum Network platform last month. The total number increased from 1755 in March to 1845 in April, which is 5.13% growth in a month. With 556 users in the launch month that is a 232% increase in the period of 8 months. We are shy of the 2000 number and expect the milestone to be reached in May.
If you are interested in trying or simply looking at some features, assets, or financial info about specific borrowing companies and their assets you can register on our platform. It is free and will take only 1 minute. You can do it here.
Money deposited
After a minor slow-down in March, the number of deposits picked up last month. The users added 35,176 Euros to their accounts and the total number of deposits grew from 569,000 Euros to 627,436 Euros, which is 10.27% growth in April. We expect the number to increase significantly with the onboarding of institutional investors who would invest larger amounts in the nearest future (we have already onboarded some institutional money to our platform, here is the interview with one institutional investor).
If you want to try investing into assets the minimum depositing amount is just 50 Euros (from SEPA accounts or British Pounds (GBP) from local accounts, and US Dollars (USD) from US-based accounts)). The minimum investment amount is just 10 Euros. All transactions in the assets are done in Euros.
Money invested
Investors put 507,518 Euros into various industries in the month of April. This is a record-breaking month. The total number of investments grew from 1,535,350 Euros to 2,042,868 Euros. That is 33.2% growth for the month and a whopping 5,575% increase from the launch of the platform 8 months ago. Another milestone has been reached. More than 2 million Euros have already been invested since the launch. With more loan originators coming and more institutional investors showing trust in our platform, 5 million Euro milestone seems quite close.
Most popular industries
For the third straight month, the Wholesale industry has remained the most invested industry among others on our platforms. Each consecutive month, investments in the assets of the industry increased regularly from 41.5% in February to 60.65% in March and to 69.37 in April. The runner up – the Construction industry is way behind with 13.18% (of all investments). The first asset in the Health industry was uploaded by the end of the month, so no surprise that it got very few investments. With more loan originators coming the interest rates will rise in various industries and they will surely get more attention from investors.
Money invested using an auto-invest feature
Investors still prefer manual investing over an auto-invest feature, but the interest to use the feature has risen among investors slightly in April. There have been just 4 months since the launch of auto-invest feature and it will take some more time for investors to adjust and see the advantages of using the function such as the possibility to earn compound interest using all of the balance.
27,779 Euros were invested using the feature in the month of April (From 67,727 Euros in March to 95,506 Euros). That is 41% growth in the usage of the feature. Do not let your money stay idle and take advantage of all the benefits that the auto-invest feature gives.
New party on Debitum Network platform
In April, we onboarded new loan originator on our platform – Aforti Finance, a leading non-bank lender from Poland. It is one of the largest lenders for SMEs in the Polish market. They plan to regularly upload a big line of assets on our platform and we believe we have formed long-lasting and fruitful cooperation with the loan originator. The first assets are already there and you can invest in them now. Check the one below.
Debitum Network is expanding to other geographical markets
Debitum Network is aiming to expand to other geographical markets in the EU. Spain is one of our nearest targets and we expect to have more investors and service providers onboard our platform in the nearest future. Here is a review of our platform on financer.com that does comparisons of various loans and loan providers in the EU.
Ready to try Debitum Network platform?
We are working on the expansion of our platform and plan to onboard more new loan originators, risk assessors, and due diligence parties in the upcoming months. We believe our investors deserve safer assets and attractive interest rates. Therefore, we seriously evaluate each potential service provider for our platform. If you want to test the quality of the assets on our platform, you can do it by registering on our platform and depositing the minimum amount of 50 Euros. The minimum investment amount into an asset is just 10 Euros.
If you haven’t joined our platform yet, it is a good time to do it.
Disclaimer: Investments in financial products are subject to market risk and any investment should only be done with risk capital. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.
Services industry on Debitum Network platform
Services industry on Debitum Network platform
Wholesale industry assets were the most popular among investors on Debitum Network platform in February. The assets had the highest interest rates, so no wonder investors rushed to invest in them. However, one of the key investment rules should never be neglected – always diversify. Diversification reduces risk as funds are distributed among various investment options as well as risk classes. Services industry was overlooked by investors last month. We see no good reason why and in this blog post want to stress why investors should consider adding the assets from the industry to their portfolios.
From the chart above, one can see that investors preferred Wholesale, Logistics and Manufacturing industries and neglected ITT, Services, and Construction. Only 4.8% of all the invested money was in the Services industry. Investors chose to invest that way. However, it does not mean that the assets in the industry are inferior, worse or less safe than those of other industries, and in this post, we will prove that they are safe and worth investing in.
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Services industry assets have a high credit rating |
Assets from the Services industry on Debitum Network platform have a high credit rating. They fall within the range from B to B-. The ratings for the assets of Services are presented by our reliable partner risk rating company Scorify. B and B- rating mean that the probability of default of a company within the next 12 months is between 0.55%-1.06%. Thus, we can state that the assets carry very low risk and is a good investment option for investors of various risk tolerance classes, and the best for moderate risk tolerance investors.
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All the assets have a buyback guarantee |
After an introduction of a buyback guarantee on Debitum Network platform, any asset in any industry (including the Services industry) on our platform has a buyback guarantee. What does that mean for an investor? If a borrower is late with the repayment of the loan (it may occasionally happen) by more than 90 days, the broker (loan originator) who issued the loan will be obligated to buy it back, plus outstanding principal and interest, minimizing the risk for the investor to the minimum.
Another thing that makes an investor benefit in case the loan he has invested in is late is a penalty rate set by a loan originator. Investors are now able to see a penalty rate (annual interest rate section) for a specific asset if the borrower is late with the repayment of the asset. The investor will get the percentage of the penalty rate they see, in case the repayment is late by the defined number of days. Current assets from the Services industry have 4.5% as set by our partner and loan originator Debifo.
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Buyers of invoices are strong businesses |
Companies in the Services industry deal with other companies. The latter ones pay for the issued invoices and the services provided. It is important as a company that is offered service is a strong company and long term relationships with the service providing company. It means, there is a better chance that the invoice will be paid for and the loan eventually repaid. These final invoice payers have big revenues from 10 to over 100 million Euros. They are usually long term partners with our partners loan originators, and they have proven to be reliable business entities to do business with.
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Borrowing companies and their customers are experts in the markets they operate |
The borrowing companies (that borrow from our partners loan originators) and companies that pay for their invoices are well-known businesses that have been in operation for over 20 years. They have a steady stream of income, operate in a lot of countries, and they have proved to be reliable by borrowing and repaying the loans before. Companies that purchase their invoices are also well-known names in their field and they pay for the services they are provided on time. More info about both the borrower and the purchaser of the invoice can be found in ‘Under Asset description’ when you click ‘View’ on an asset bar.
Financial summary about the borrower and the purchaser of invoices
If you tend to invest manually and want to get a more detailed financial statement about a borrower, you should look at a financial summary that is often provided by a loan originator and placed in ‘Borrower and Under Asset Details’ window as an attached document. You can download the PDF file and check carefully the financial data, which is both about the borrower and the final buyer of the invoice. You may find some extra useful info that will help you to make up your mind regarding investment into a specific asset.
Why our loan originator prefers assets from Services companies
- They usually get one big bill at the end of the month (it means a company always stays cash positive)
- They provide a clear service, either done or not (clarity for lenders and loan originators if of utmost importance as clearly defined services will higher likelihood that invoices will be paid)
- Deferred payment terms are almost always applied (deferred payments typically range 30-90 days and the issued invoices serve as guarantees that the loans will be repaid)
Selected assets from the Services industry
Having outlined all the advantages of investing in the assets of the Services industry we would like to offer investors to add some of the assets from the industry to their portfolios. We have selected the top 2 assets to choose from. Both of them are from the company that has been in business for over 25 years and has over 100 thousand Euros in revenues. The purchaser of the invoices specializes in the transport of refrigerated cargo and container by own ships, with revenue above 11 million Euros.
Disclaimer: Investments in financial products are subject to market risk and any investment should only be done with risk capital. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.
Platform updates: February statistics and new features
Platform updates: February statistics and new features
Debitum Network keeps on growing and it is reflected by both increasing number of investors, deposits, invested money, and new functionalities added on our platform each month. We want to take you through some stats for the month of February, and introduce you to recently enabled functionalities on our platform. Stay with us and see how numbers reflect positive growth in all the major areas.
The number of registered users
People onboard our platform every day. The number of users grew by 10% in February, from 1471 to 1618. The platform launched last September with 556 users in the first month. In a six month period, the number increased by 191%. It may not seem spectacular, but the growth is steady and this raises our expectations for exponential growth by the end of the year.
Anybody who wants to test our platform can register and look through various functions, check assets, financial info about companies that borrow and a lot more. You are not obligated to deposit or invest. Registration takes under a minute.
Money deposited
The total amount of deposits soared by 45.6% from the month of January, when it stood at 366,724 Euros to 533,824 Euros in the shortest month of the year – February. We expect a much bigger rise in deposits in the upcoming month due to an increased number of users and an auto-invest feature, which is used more and more by investors on the platform. All in all, deposits increased from September to February by an astounding 1,383%.
We want to remind that investors can deposit flexible amounts on the platform. The minimum deposit is 50 Euros from SEPA accounts (deposits can also be done in British Pounds (GBP) from local accounts, and US Dollars (USD) from US-based accounts). The Minimum investment amount is 10 Euros. There is no limit for bigger amounts. All investments are done in Euros.
Money invested
There has been a record-breaking increase in invested money on the platform in the month of February. 463,810 Euros were invested in various industries last month. From 280,358 Euros in January, it is a 65.4% rise. From last September to the end of February, that is a 3,469% growth in investments. Taking into account, most recent numbers, it is natural to expect the tendency to remain strongly positive. It took 5 months for Debitum Network platform to reach 1 million of Euros in investments. We expect to reach the next milestone of 10 million Euros way faster. Investors can take advantage of auto-invest function to reinvest principal and earn interest to be able to earn compound interest over the long run.
Most popular industries
The popularity of industries changes every month on our platform. There is a lot of dynamics as assets are short term and with the introduction of new loan originators, we may see various shifts in industries. TradeBacking loan originator onboarded our platform on the 25th of January and started uploading their assets. Most of them were from the Wholesale industry. The assets from the industry stood in the 3rd place in popularity among investors in January but jumped to the 1st place in February. 41.5% of all invested money was in Wholesale industry assets. We did the promotion of the industry last month and investors reacted positively by investing heavily in the assets. Interest rates for Wholesale assets were the highest ones among all industries in February too.
Money invested using an auto-invest function
Auto-invest feature was introduced around Christmas season last year and started gaining popularity through the months of January and February. The number of investments using the feature tripled last month from 12,189 Euros in January to 37,063 Euros in February. That is 8% of all the invested money in February. Investors still give preference to manual investing, but compound interest possibility will eventually push the percentage of auto-invest usage up.
New functionalities on Debitum Network platform
‘Penalty rate’ is shown on the asset list
Occasionally, a borrower is late with the repayment. In that case, he has 15 days of grace period, when he still has to pay principal and interest, but no penalty. If he is late more than 15 days he will have to pay what he is due, plus a penalty. As of last week, an investor can see what the penalty rate for each asset is, in case a borrower is late with the repayments. An investor will get a share from the penalty rate set by the loan originator who has issued that specific loan. Below is an example from our asset list with annual interest rate and penalty rate for each asset.
An account statement is available now
Those that need to have a detailed summary of their account activity from the beginning till the ending date, including ongoing transactions, deposits, withdrawals, interest earned and etc. can download it now. Whether they want to review the entire investment period, specific investments, scrutinize for accuracy or simply use it for tax purposes, we have it for you. Investors can get their account report by pressing the ‘Account Statement’ button in the ‘My Investments’ form.
This will pop up a ‘Tax reporting’ window. Select date: from…to… and click ‘download xls’. Save it and you have your tax report.
Debitum Network moves forward
Debitum Network platform has been live for around half a year. We look back and are amazed to see how much we have been able to achieve in such a short period of time. We are grateful for everybody who contributed to our growth and invite those who want to try innovative P2P lending platform for themselves to register right away. Every month we generate bigger volumes and upload more assets, new loan originators will be onboarding soon. With that comes new opportunities for investors to make compound interest by investing and reinvesting in short term loans. Do you want to try? You can leave any time you want.
If you haven’t joined the platform yet, we invite you to do it now.
Disclaimer: Investments in financial products are subject to market risk and any investment should only be done with risk capital. The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.