Item: Look&Fin
Rating: 0.0
Author: Crowdinform

Look&Fin is a Belgian crowdfunding platform founded in 2012 that specializes in peer-to-peer lending for SMEs and real estate projects. By cutting out the middleman, Look&Fin enables companies to secure funds directly from retail and institutional investors. The platform offers a range of financing options, including mezzanine and junior loans, making it an attractive option for both investors seeking high returns and businesses in need of capital. Look&Fin's unique selling points include its rapid funding process, strong market presence in Belgium, and a structured risk assessment for projects, providing investors with clear insights into potential risks and returns.

Basic information

48000 investors

300 projects funded

305695486.0 EUR funded amount

Licence/regulation: Licensed under European Crowdfunding Service Providers (ECSP) regulation

For Investors

Minium investement: 100 EUR

trending_down Default Rate: 1,52%

Average Returns: Up to 11%

Functionality

Autoinvest: Yes

Deal rating: Yes

Useful Information

How Does the Look&Fin Work?

Look&Fin connects businesses seeking capital with investors through its online platform. Companies can apply for loans, which are then analyzed and rated based on risk. Investors can choose from a variety of projects, investing amounts starting from €100. Monthly repayments are made to investors, and detailed project updates are provided. The platform also offers an auto-invest tool to facilitate automated investments based on predefined criteria .

Look&Fin Investment Opportunities

1. Secured Loans:

Description: Secured loans are backed by tangible assets, providing added security for investors.
Returns: Offers annual returns between 5% and 7%.
Risk Level: Low to moderate risk due to asset backing.
Security: Loans are secured against the borrower's property or assets.

2. Balanced Loans:

Description: Balanced loans offer a mix of secured and unsecured loans, providing a balanced risk-return profile.
Returns: Annual returns range from 8% to 9.5%.
Risk Level: Moderate risk, with partial guarantees or collateral.
Security: Some loans may have public guarantees or mortgage security.

3. Dynamic Loans:

Description: Dynamic loans focus on higher-risk investments with potential for higher returns.
Returns: Expected annual returns from 10% to 12%.
Risk Level: Higher risk due to lack of collateral.
Security: Generally unsecured, relying on the borrower's creditworthiness.

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What is the Risk When Investing on theLook&Fin?

Investing through Look&Fin involves risks such as borrower default, delays in repayments, and potential loss of capital. The platform mitigates these risks by providing a detailed risk assessment and assigning risk classes to each project. Investors are advised to diversify their investments and review the risk ratings before committing funds.