With Bitbond you can fund loans of small business owners from all around the world. This includes countries such as the UK, India, Germany and many others. Our AutoInvest tool will help you to create a globally diversified portfolio of loans. This way you become less exposed to economic cylces in individual countries. You can start with as little as $5.
Bitbond has users from over 120 countries and is the first global marketplace lending platform for small business loans. Over 1,800 happy individual and institutional lenders have funded more than 1,300 loans through Bitbond. To make our global approach economically feasible, we use the bitcoin blockchain as a rail for cross-border payments.
All borrowers on Bitbond are carefully checked. This includes a video identity verification and a thorough creditworthiness assessment. Applicants grant Bitbond read access to their business and seller accounts (eBay, Amazon, MecadoLibre, PayPal, bank account, accounting software etc.) for income verification. Our machine learning algorithm evaluates the data from these accounts plus we conduct a manual review. Each borrower gets a rating between A and F to let you choose the risk level that you are comfortable with. This helps to keep your fixed income investments safe on Bitbond
Borrower creditworthiness is checked via business accounts
Banks offer historically low interest rates on fixed term deposits. The actual return is often negative when inflation is taken into account. Bitbond lets you avoid losing capital with interest rates of 10% to 35%. The expected return is approximately 13% per year in a diversified portfolio after bad debt. You can choose from loan terms of 6 weeks to 5 years. All of this while you help entrepreneurs to grow their business.
On Bitbond everything is done online. From registration to investing. You don't need to visit a bank branch or fill out papers. Our site is optimized for all types of screens which makes investing even more fun. If you don't have the time to review loans manually you can set up AutoInvest which will create a diversified portfolio according to your preferences. Since Bitbond is so efficient, we charge 0% fees to lenders, meaning you keep all the returns from your fixed income investments.
Sudhir first started selling merchandise via eBay in 2009. Since then his online business has grown significantly. In order to take his revenue to the next level, he requested a small business loan on Bitbond to buy new stock and maximize sales. The loan helped him grow his business and his lenders made an attractive return.
With over 2,000 five star reviews on eBay and a profit margin of close to 200%, Becca clearly has what it takes to be a successful business owner. She applied for a small business loan on Bitbond to buy additional stock to keep up with skyrocketing demand and grow her revenue.
Antonio and his wife run a successful e-learning platform in Brazil. Via the internet Antonio reaches thousands of children and improve their education with an alternative so they don't have to travel many miles to a distant library. With his loan Antonio has expanded learning material and managed to publish 6 new e-books.
On Bitbond investors can invest internationally in countries like Australia, the UK or Germany. They can pick the loans that they like and invest the amount they choose - at attractive interest rates. The projects for which the borrowers need the funds are outlined in a detailed fashion including the repayment history of the borrower.
|Example Bitbond loan portfolio||$10,000||9.16%||$13,059|
There is a large variety of fixed income investments out there. However, most produce inferior returns due to the current interest rate environment. Most investments do not even compensate for inflation.
Investing in small business loans on Bitbond means earning solid returns. After 3 years your advantage versus a fixed term deposit at a bank can be over $2,600 based on an initial investment of $10,000 (assumptions as outlined below).
Register with your name and email address in just a minute. After that we show you how you can add funds to your Bitbond account easily.Start earning today
On Bitbond you can build your portfolio from a diverse selection of loans. Invest in loans manually or activate AutoInvest to save time.Browse loans
Receive monthly payments and keep track of your interest income. Professional portfolio tracking tools are available to all users.
I am fascinated by how easy it is to invest money all around through Bitbond. Normally, if I want to invest outside of my home country this is only possible via mutual funds that have really high fees. The opportunity to support entrepreneurs from all around the world and earning great returns is something unique in the investment space and its what I love about Bitbond.
The interest rates are set according to the borrower's creditworthiness and the term of the loan. The better the creditworthiness, the lower the interest rates. This method is called risk based loan pricing. The rates range approximately from 10% to 35% on a per year basis.
If borrowers are late on their payments Bitbond reminds them frequently to meet their payment obligations. The reminders are conducted via various communication channels including email, phone, SMS and letters. If one or more payments are overdue for more than 90 days, Bitbond passes the handling of the loan to an international debt collection agency. The debt collection agency can report the borrower to a local credit bureau and bring the case to court.
The expected return on your fixed income investments varies depending on the type of portfolio an individual investor has. In a well diversified portfolio with over 100 active loans the average expected return after bad debt is 13% p.a.
The fees for investors on Bitbond are 0%. Since Bitbond is a bank independent platform it can save the costs that other platforms have to pay to their repective banking partners.
Bitbond is the first global marketplace lender for small business loans. To make cross-border lending economically feasible there needs to be a way to send payments around the world fast and at low cost. Bitcoin offers exactly that. If you have never used bitcoin before don't worry. We will show you exactly how to use it and how easy it is.
Loans can be denominated in US Dollars, in Euros or in Bitcoin.