TWINO provides two types of investor protection schemes – BuyBack Guarantee and Payment Guarantee.
Under the BuyBack Guarantee investor protection scheme, TWINO will compensate the investors both the invested principal amount and interest, as well as pay the accrued interest in case a borrower is late with the repayment for over 60 days.
Loans with the BuyBack Guarantee are denoted with the icon .
Under the Payment Guarantee investor protection scheme, TWINO will compensate both the invested principal amount and earned interest on a monthly basis as per original loan repayment schedule, regardless of delay or default by the borrower. The Payment Guarantee applies to the whole duration of the loan.
Loans with the Payment Guarantee are denoted with the icon .
BuyBack Guarantee and Payment Guarantee applies to unsecured consumer loans, business loans and invoice financing.
Business loans and invoice financing also have a personal guarantee from the borrower.
Ventures loans are backed by collateral from the borrower, but the BuyBack and Payment Guarantees do not apply to these loans. Ventures loans have a bullet repayment schedule, meaning loan interest is repaid monthly, while principal amount is repaid at the end of the loan period.
These loans are denoted with the icon .