Assetz Capital is a peer-to-peer lending platform based in the UK that offers different accounts for lenders to earn up to 15% return. Lenders do not pay any fees on the loans that last anywhere from 3 months to 5 years. If you want to withdraw your money early you can sell your loan to other lenders.
Flashfunders offers crowdfunding opportunities to investors starting from as little as $50. Instead of receiving rewards in exchange for funds, which is what tends to happen on crowdfunding sites, contributors are making an investment into the company, with a potential return in the future. This might be in the form of equity, debt or revenue participation notes.
CrowdFunder is a one-stop shop for both entrepreneurs and investors. Entrepreneurs have a platform for raising funds from angels investors, venture capitalists, the Crowdfunder investor network and even family and friends. For the investor, they have access to new and interesting deals to add to their investment portfolio.
Create an online profile
Crowdfunder matches you with potential investors
Investors review your offer and make you a deal
The free plan alllows you to create your company profile, network with investors and learn from the Crowdfunder knowledge. You also have the option of upgrading to the Fundraising Pro Plan which costs $399 for six months. With this you get:
The ability to raise unlimited funding
Tools for fundraising
Access to the investor CRM
A fundraising profile
Use Crowdfunder to attract serious investors and have the option to offer shares in your company and make your profile more attractive.
GWD Canada offers you the chance to invest in forestry and earn up to 14.1% per year. This particular forestry project involves the sale of Christmas trees and you investing in a plot they are grown on.
Example of investment prices are:
1 acre - €9,750
2 acres - €19,250
4 acres - €38,000
1 acre of land is planted with approximately 1,742 trees and investors get the benefits from the sale of these trees. Dividends are paid from year 3 with the sale of the smallest trees, through to year 9 with the sale of the largest trees.
Abundance is a peer-to-peer invesmtent portal that gives members the opportunity to fund projects which have a positive effect on society and the environment. You can start with as little as £5 and they offer returns of 6-9% with the possibility of earning a long-term income and using the investments as an alternative pension investment.
Investments are a risk, so with such low entry levels you can afford to spread this risk across several different projects. On the offer page they have a tool to calculate your returns so you can see how much you would earn each year on your investment. The more you invest, the greater your return, however, you should never invest more than you can afford. If £5 is all you have available, start with that and add more when you can.
The Abundance focus is not about making millions, but a collaborative effort increasing availability of renewable energy in the UK, helping schools and communities save money on their bills, while giving investors a fair return on their deposits.
Abundance offers long-term investments over 15-20 years, making them an option for those looking for future payouts for important life events like retirement or university. If you need access to your money before the term is up, you can sell your debentures at any time.
Capital and interest is paid every six months at which point you can choose to withdraw the money or reinvest it. They also offer an Abundance SIPP so you can set up a pension income.
There are no charges for investing in Abundance projects but if live outside the UK you may be charged for withdrawing money to overseas.
Anyone over 18, resident in the UK or the EU - not available to US residents.
Crowdfunder allows you to invest in companies for a share of future returns. Unlike rewards based crowdfunding, you are investing in the future of a company as a stakeholder. Once you are accepted you can browse through the deals available and choose the ones that match your investment profile. They have projects in industries ranging from aerospace to real estate.
Crowdfunder currently requires you to be an accredited investor according to SEC rules in order to be able to invest in the projects listed on their website, which means earning over $200,000 over the last two years or having over a million in assets. This is expected to change in the future however to allow smaller investors to participate in new deals so keep checking the website.
Fundrise organises crowdfunding for real estate developers and offers investors a way to get started in real estate at a very low entry level. This opens up a very profitable income stream to everyone instead of limiting it to those with greater buying power.
Investments start from a minimum of $100, with an estimated return of approximately 12-14%. You choose the properties you want to invest in and as an investor you will get dividend payment plus profits from any increase in value in the property.
Getting Your Money Back
Fundrise offers investments between 1-5 years so you can choose how long you want to commit to. They say they only accept 5% of applications after a strict selection process by real estate experts, so your investment is not going to fund every random developer who applies for funding.
Not only can you get a great return on your investment, on a social level, you can help fund and support schemes in your local area.