MytripleA

Basic information

For Investors

Investment Types Offered

MyTripleA offers peer-to-peer loans primarily to SMEs in Spain. The loans can be either guaranteed or non-guaranteed. Guaranteed loans involve backing by SGRs, reducing risk for investors. Non-guaranteed loans offer potentially higher returns but with increased risk. The platform caters to both retail and professional investors, providing investment opportunities in a range of industries from manufacturing to services

How MyTripleA Works

MyTripleA connects investors with Spanish SMEs seeking financing through an online platform. Investors can start with a minimum investment of €50. The platform offers both guaranteed loans, which provide safety via guarantees from SGRs, and non-guaranteed loans that are riskier but offer higher returns. MyTripleA does not segregate investor funds from its operational funds, which can pose a risk if the platform faces financial issues. Investors can use an auto-invest feature to automatically allocate funds according to predefined criteria

Risks When Investing on MyTripleA

The main risks for investors on MyTripleA include the potential for loan defaults, especially in non-guaranteed loans, and insufficient collateral in case of defaults. For guaranteed loans, the risk is mitigated by SGRs, which cover losses up to a certain extent. However, guaranteed loans typically offer lower returns. Non-guaranteed loans can have higher returns but come with the risk of borrowers defaulting without compensation from SGRs. The platform's lack of a secondary market also means liquidity risk is present, as investors cannot exit investments prematurely​