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…
What does LEND do? LEND* offers loans to borrowers in Switzerland usually fixed for one year to six years. It mostly does unsecured personal loans and business loans, repaid monthly, and some real-property loans for a variety of purposes that are repaid at the end….
I’m going to explain some more details about Klear’s 2/3 Hidden Gem 4thWay PLUS Rating and its 4thWay Risk Score, but also take the opportunity to cover some other important aspects that came up in my team’s investigations. What does Klear do? Klear* offers personal…
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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.
4thWay® may sometimes charge rating fees to P2P lending companies to cover the costs of the extensive analysis that we conduct.
*Ratings fees and impartial research: our service is free to you. 4thWay receives compensation from the P2P lending providers listed on our European website, as direct fees to cover the costs of conducting quarterly ratings assessments, or as commision when you open accounts. We vigorously ensure that this doesn't affect our editorial independence.
