High Return Portfolio Tracking

High Returns Portfolio6 month check-in Have you ever wanted to invest in Loans just like Banks and hedge funds do ? Yes, we too. Between the eye-opening historical returns and the opportunity to invest in something other than stocks and bonds…it seemed like a no-brainer. The only problem? Without a small fortune or having to pay high hidden fees, we couldn’t find a way to get in the game. That’s because Loan investing is an asset class that was historically open to…

Why build a Proprietary Default Model ?

Default Modeling has been the backbone for all credit decisions in the Banking industry for nearly five decades. The models can vary from as rudimentary as simple bucketing to sophisticated models that use derived risk factors, Markov chains and Machine Learning. At Croudify Ratings when we started looking at the risk ratings available at various platforms we soon realized that we need a risk model of our own. All platforms have proprietary models that use different criteria to rate loans. This…

Simplified Secondary Market Investing on Lending Club

Investors in P2P loans have long wished to get some guidance on pricing and risk when trading on secondary markets like folioFn (or private platforms for whole loans). Till date the only thing they could do was ad-hoc analysis basis on some factors but it made most uncomfortable. The questions like how is this the right price ? Will prepayment of this performing loan result in a loss if I pay a premium always haunted us. Enter Croudify !!! a trading platform provides…