citizen credits for municipalities
crowdinvestment for citizens to invest in environment project
P2P crowdlending for busineses
Borsa del Credito is a marketplace-lending where companies can find quickly a credit solution, and the savers an excellent investment opportunity. Banks, other companies or individuals can lend money. In this case it’s “Business Peer to Peer Lending” or “Social Lending”. Borsa del Credito is the first site, in Italy, that enables the access to this kind of lends for firms. – Credito alle aziende
Prestiamoci is the true Marketplace of credit in Italy, which bring together those who are in need of a personal loan with those who have capital to invest. Skipping the intermediary of banks and financial, applicants who have an excellent credit history can get their cheap personal loan with the best rates on the market. The lenders which invest in loans can get high returns by diversifying their portfolio, and cashing monthly principal and interest. All this is developed in a simple, fast and transparent modality.
Terzo Valore is a tool of Banca Prossima, the Bank of Intesa San Paolo Group dedicated to the Third Sector. It’s a crowd-lending tool through which individuals (residents in Italy) and legal entities (with legal headquarter in Italy) can lend or directly donate to the non-profit organizations, customers of Banca Prossima. The Bank selects the projects and finance as minimum the 33% plus the difference of what wasn’t collected in Crowdfunding. The planner decides the interest rate, the lender can reduce it, until delete or decide to donate it. The return of loans is guaranteed by the Bank.
In Smartika acts a community of applicants and lenders who interact directly with each other, without resort to intermediaries, thus obtaining the best conditions for both. Inside of the community is created, in this way, a market in which the current rates are determined, exclusively from the encounter between supply and demand. Smartika Spa operates as a payment institution, regulated and supervised by Bank of Italy.
Soisy allow loans to others peoples to help the realization of own life projects: from the honeymoon wedding, to a specialization course, to post-graduate course, to a new scooter to live the city more easily. The investments are sustainable, and individuals always know where end up their money: they will be on hand at all times, on the platform, information about individual life projects financed with loans.