FOR BORROWERS FOR BUSINESSES FOR INVESTORS ABOUT US Personal Loans 500 - 15 000 € No quarantees needed Fixed rate No hidden fees APPLY Business Loans 5 000 - 1 000 000 € 1-7 years Fixed rate No quarantees needed APPLY Invest High returns Limited credit risk Easy diversification Secondary market available INVEST Crowdfunding for people and businesses 106 766 international members 74 M€ funded 722 172 investment for loans Use our calculator to estimate the return for your investment Investment 10 000,00€ 300€ 100 000€ Investment period 3 years 1 year 10 years Maximum loan term 36 months 24 months 120 months Maximum investment per loan 100,00€ 25€ 1000€ Define investments per credit rating CALCULATE Estimated return Gross return Credit loss Number of loans Return rate Final offer will depend on lender offers. The calculation is based on the current interest level. This is how it works 1. Fellow Finance Fellow Finance offers a marketplace for creditworthy borrowers and investors interested in steady cash flow with better rates of return. 2. Loan The borrower selects the amount and rate of his loan. 3. Investment The investor opens up an account and chooses loans, rates and amounts according to his preferences. 4. Interest and repayment The borrower pays principal and interest repayments on a monthly basis. Steady cash flow with high returns The average annual return rate of a portfolio of Fellow Finance investors is 11,5% in portfolios diversified to 100 loans or more. Return-% is the annualized internal rate of return of the cash flows before tax. START INVESTING Or try the Demo-account! Investing made easy Fellow Finance finds the borrowers and takes care of the creditworthiness assessment. You will choose your own lending criteria. The monthly interest and principal repayments are easily invested in new loans with our loan allocator. This ensures effective circulation of capital. It is easy to diversify your investments in many loans. START INVESTING Or try the Demo-account! The borrowers Fellow Finance brings together people who need funding to those who have funds to lend. Both the investor and the borrower are able to set their lending and borrowing criteria. We offer the most advanced platform to manage your investments in consumer loans. We offer you monthly and yearly reports and all the loan contracts are available in the service. The loan contract is legally binding and evidence of the contractual relationship between the borrower and the lender. Invest smartly Peer-to-peer loans offer investors a possibility to high returns. The average yield of a Fellow Finance portfiolio has been 11,5% p.a. Peer-to-peer loans offer a new asset class to diversify your overall portfolio. There is little correlation between peer-to-peer loan returns and the stock or bond market movements. Thus, peer-to-peer is an optimal additional tool to manage and diversify your assets. Return & Risk The return for the investor is interest paid for the loaned capital. The interest rate depends on the loan offers made by the investors The interest rates of the unsecured consumer loans vary. On average the annual rates have been over 13% p.a. On the comparison site we have gathered information for borrower about the funding options in Finland. The interest rate level is competitive for both the investor and borrower side. Why Fellow Finance? High returns The historical average annual return of our investors has been over 11% p.a. Limited credit risk In case of borrower (consumer) defaulting his loan, the loss is capped to 30% of the capital. Compound interest You can invest the monthly repayments in new loans and receive compound interest. Diversification With sum of 2500€ you can diversify in hundreds of loans according to your criteria. Simultaneously you diversify your wealth in a new asset class. Transparency In our online service you can always see the real-time status of your investments and cash flows. We offer you tools to analyse your investments. Fees 0€ For investors opening an account and investing in peer-to-peer loans is free of charge. Secure and safe Interest yield is legally based on a contract between the lender and the borrower. You are not financing the operations of Fellow Finance. Secondary market You can sell and buy loans on the secondary market. This enables you to withdraw your investments from the service quickly if needed. News 29.08.2016 12:00 Fellow Finance opened a new financing channel for SMEs 07.06.2016 05:30 The first Finnish peer-to-peer lending platform to lend over 60M€ in total 11.04.2016 07:00 Fellow Finance opens in Poland and serves investors already in 28 countries 1234 Social media Fellow Finance About us elsewhere Fellow Finance Plc For investors Our borrowers Statistics Peer-to-Peer lending Order API Company Careers News Terms and Conditions Privacy Policy Terms of Use Fees Administring Client Funds Cookie Policy Contact Ratakatu 1 b A 10 00120 Helsinki Finland +358 203 80101 (0,1717€ /min) On weekdays: klo 9.00 - 17:00 customerservice@fellowfinance.fi Together with Tarkastele sijoittajana Copyright © Fellow Finance Oyj 2016