ABOUT P2P NOTES
Notes are collateralised
Money invested in Notes is placed into a professionally managed Trust. The assets of the Trust create a collateral pool maintained to protect the Note holders’ capital. The collateral pool is invested into a diversified portfolio of P2P loans originated by the world’s leading P2P platforms. The trust is managed by Symfonie Capital, LLC. Click here to read about the Symfonie track record.
Your investment professionally managed
When selecting loans for this portfolio we consider not only the absolute level of interest rate, but also fundamentals that underpin credit quality. Our goal is to select loans that offer high interest, but importantly, are likely to be repaid in full and on time.
Built-in buffer helps protects your capital
The Notes pool maintains a reserve that helps ensure Note holder capital is protected. So while an investment in the Notes is not guaranteed, the protection for Note holders is enhanced. We do this by setting aside a portion of the interest pool earns and by supplementing the pool with some of our own capital.
Principal and interest paid quarterly?
Of course! We can arrange to have principal and interest payments delivered to you quarterly. Or, you can reinvest into new P2P notes. The choice is all yours.
Receive regular reports
We want to keep you well informed. You’ll receive portfolio updates throughout the year to let you know how the note pool is performing.
Profit sharing income booster
When your notes mature you can receive an additional interest payment based on the net income the portfolio is earning over and above the coupon rate. We call this “excess profit.” You’ll receive 75% of the excess.
Risk warning: Prior to making any investment in P2P loans investors should ensure they fully understand all the risks of making investments in P2P loans including, but not limited to, the risk that part of all capital invested may be lost. Investors should also consult with their financial, tax and legal advisors. Investing in P2P loans should represent only a portion of an investor’s overall portfolio and does not represent a complete investment program.
Downloads
Track Record
- We manage a P2P lending fund which invests in four P2P lending platforms with a track record of success. Based on the realised returns of the 3 year and 5 year portfolios of the fund, we offer you a 3 year Note with coupon return 6 % p. a. and a 5 year Note with coupon return 8 % p. a.
- Person earns the coupon on the notes and can earn additional upside.
Our lending fund is an internationally diversified portfolio of 1496 loans
- Current net return after fees and commissions of the 3 years fund is 6,5 % per annum.
- Current net return after fees and commissions of the 5 yearsfund is 8,5 % per annum.
P2P notes are collateralized by pools of P2P loans issued by leading platforms with track records of success.
Prosper (www.prosper.com) and Lending Club (www.lendingclub.com) are the largest and most reputable sites in the world today. Funding Circle (www.fundingcircle.com) is the premier site in the UK dedicated to providing loans to businesses. Notably, the UK government is supporting P2P sites such as Funding Circle by making lending capital available to the site. Bondora (www.bondora.com) is a relatively small lender based in Estonia. Over the past year Bondora has expanded its lending activities and now issues loans in Slovakia, Spain and Finland.
KEY PORTFOLIO STATISTICS UP TO 04/2015
| Number of Loans |
1 488 |
| Average Gross Yield to Maturity |
11.1 % |
| Expected Net Yield to Maturity |
8.9 % |
| Average Time to Maturity (years) |
3.4 |
| Average Loan Age (years) |
1.0 |
| Number of Loans Defaulted to Date |
52 |
| Loan Loss Impact on Portfolio |
0.19 % |
| Overall Average Rating |
B- |
