Lande* was the first P2P lending company in either the eurozone or continental Europe to be fully assessed by 4thWay – initially in 2022. What does Lande do? Lande’s borrowers are Latvian, Lithuanian and Romanian businesses – mostly farmers – with the loans secured either…
Lande* has re-established its data pipeline and so we’ve reassessed its 4thWay PLUS Rating. Despite quite a few more loans falling late or turning bad as its history has been maturing, it has easily maintained its 3/3 “Exceptional” 4thWay PLUS Rating. Its high interest rates…
We’ve had to temporarily take Lande’s 4thWay PLUS Rating down. Unfortunately, due to illness, Lande’s not been able to provide us with the data we need to keep assessing it on anything like the regular basis that we require. I’ve been informed that Lande will…
Swedish P2P lending provider SaveLend, part of the stock-market listed SaveLend Group AB, has now received a 4thWay PLUS Rating, after an extensive assessment of its detailed loan data. Lenders have been earning 8% to 9% after bad debts and fees over the past two…
We don’t get soooo much interest from 4thWay readers when we write about the social and environmental impacts of P2P lending. Our focus is on the risks, rewards, growing your wealth, or earning an income from money lending. Understandably, that’s what you’re most interested in….
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The 4thWay® PLUS Ratings are calculations developed by professional risk modellers (someone who models risks for the banks), experienced investors and a debt specialist from one of the major consultancy firms. They measure the interest you earn against the risk of suffering losses from borrowers being unable to repay their loans in scenarios up to a serious recession and a major property crash. The ratings assume you spread your money across hundreds or thousands of loans, and continue lending until all your loans are repaid. They assume you lend across 6-12 rated P2P lending accounts or IFISAs, and measure your overall performance across all of them, not against individual performances.
The 4thWay PLUS Ratings are calculated using objective criteria that can be measured and improved on over time, although no rating system is perfect. Read more about the 4thWay® PLUS Ratings.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Lande and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
**Joint statement from the World Bank Group, the IMF, the WFP and the WTO on food security projects 10 million more in extreme poverty for each one percentage point increase in food prices. Also, 81 countries benefiting from the World Food Programme could see an additional 47 million people suffering from acute hunger due to the food shortage.
