Loan funding per channel for December 2016

Stats & Data

In December, the most used investment channel by far was the Portfolio Manager which represented 94.36% of funding. The API channel represented just 5.64% of funding for the month. This illustrates a greater use of the automatic investment tool compared to last month (92.7%).

Loan funding per investment channel December 2016

This data illustrates a popular preference for an automated solution. In contrast, the API channel is more appropriate for investors interested in funding loans through a more analytic and customized approach. Unlike other marketplace lenders we offer complete transparency and the API channel is an example of this characteristic. Users can examine more loan attributes to better gauge the risk/reward profile of a given investment.

Previously we have discussed how and why higher risk loans can appear in a “conservative” Portfolio Manager setting. Reaching a target return occasionally requires supplementing a portfolio with higher risk and thus higher return loans. Investors wishing to exert more control over this possibility may want to choose the Bondora API. However, this option requires more time and oversight on the part of the investor.

2 responses to “Loan funding per channel for December 2016”

  1. Over the last two weeks, I have been trying to use the API… Most of the time, this results only in failed bids, I suppose because of the very low priority given to API bids vs Portolio Managers bids… I would really like the API to be a true distinct way of investing on Bondora, but because of these so low priorities, this does not seem to be a viable option, unfortunately…

  2. Funny interpretation of the facts.
    You cancelled manual inmestments.
    There is only one source of API (beeplus) or coding it yourself. Even if you use API mostly your are bidden out by portfolio manager – and it is not transparent why and when this happens.
    So the only possiblity to invest at all on primary market is to use PM. Not because all people like it but you changed the rules so that it remains the only way to invest for the most of investors.
    We are lucky in the moment because we can do the selection after buying. But is this a good long term strategy?
    But please don’t tell us that we want that we are forced to do.