How it works

How it works

TWINO Group is not only about investments, we know quite a lot about lending as well. TWINO investment platform is the place where you as an investor get the opportunity to fund loans (consumer, business, real estate) and to earn interest income for doing so.

But... how does peer-to-peer (P2P) lending work?

It all starts with a person who is looking for a loan (borrower), while TWINO loan originators are always here to help.

Each borrower that applies for a loan to our loan originators is going through an in-depth credit risk scoring procedure to receive the loan. Only the loans that have gone through this credit scoring procedure are being sent to TWINO investment platform.

TWINO earns revenue at the lending side by charging interest and commissions for the lent capital. Part of this income is paid to you in a form of interest income for your invested capital, while the other part stays in our business to cover costs and earn a profit.

Consumer loans

Invoice financing

Business loans

Real estate

Consumer loans

Invoice financing

Business loans

Real estate

Assessing the credit risk of individual borrowers & issuing loans

Loans are sent to TWINO investment platform

The loans are being sent to TWINO investment platform after the borrower has been identified, scored and the decision to issue the loan has been made. Meaning that you as an investor do not need to evaluate each individual loan, as we have already done this for you and with your peace of mind at the forefront.

Loans are available for investments

Now, as the loans have successfully arrived to the investment platform they can be funded by TWINO investors. All of the loans will have assigned one of the TWINO investor protection mechanisms to protect you in case some of the borrowers do not repay the loan in time.

There are three types of TWINO investor protection mechanisms:

  • Buyback guarantee

  • Payment guarantee

  • Venture

Read more

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