Wisefund review shows that when Wisefund launched, the market was saturated with multiple platforms offering profitable returns on investments. Wisefund builds secure bridges between lenders and borrowers. Mediating and monitoring investments presents valuable opportunities, secure transactions, and profitable returns. Our team’s vision will create a mutually favourable environment that benefits all parties. Nord Capital Markets – a stock company founded in 2009 – is a privately held company focusing on global financial markets and financial analysis. Wisefund has established a cooperation with Nord Capital Markets where the latter provides services of business analysis of the businesses willing to raise capital on the Wisefund platform.

Nord Capital Markets has over 10 years of experience in analyzing global and local companies in respect to their creditworthiness. In assessing the financial stability of companies, Nord Capital Markets utilizes classical financial analysis toolkit – analysis of the borrowers’ financial statements and projections. At the same time firm’s analysts take into account local peculiarities and economic realities when assessing the creditworthiness of the companies.


Key facts about Wisefund

Estimated annual returns: Up to 20%
Launched: 2019
Autoinvest: No
Loan security: Business or real estate as collateral
Provision fund: No
Buyback guarantees: Yes
Registered investors: 1120+ in October 2019
Minimal investment: € 10
Time to become invested: instantly
Time needed managing: Low
Regulation: Operates under laws of Estonia
Country of operation: Estonia
Defaulted loans: 0%
Borrowers verification: By the platform
Accepted currencies: Euro
Accepts investors from: EU


Wisefund Review: Pros and Cons


PROS

– User-friendly and intuitive dashboard for investors
– Investment policy can be tailored to purchase whole loans based on pre-defined criteria or invest into fractional loans across the market
– Fast ID verification and time to become money invested (in my example one day)
– Attractive returns
– BuyBack guarantee

CONS

– Young platform. Need to see how it will be developed during the next years.

Competitors

Mintos, Twino, Savy, Neofinance, RoboCash, Viainvest, Crowdestor, Ekassa, TFG Crowd, Monethera

Wisefund review: What I have experienced so far

Firstly, some words about opening account at Wisefund. For me it was easy process, all I needed was to fill personal data, upload ID with selfie and wait for confirmation.
Add funds to Wisefund account also is enough easy. However, you can only use SEPA tranfer to deposit funds to your account.

Secondly, some facts about my investment experience at Wisefund. Returns for the projects presented at Wisefund looks very attractive. You can earn up to 20% annual returns. Projects are not instantly financed, so you have time to pick the ones you like. There is no auto invest tool, only manual investment option (so everything has to be done by the investor). There is BuyBack guarantee that is attractive for P2P investors, however most important is if the loans are repaid on time.

All in all, Wisefund is a young P2P platform from Estonia. It offers good returns (up to 20% per year) with BuyBack guarantee. I like the website as it is very user friendly. Let’s see how it will evolve in the future.