MARKETPLACE LENDING STATISTICS AT MOOLAHSENSE

Updated as of 1 April 2017

Note Nominal Rate p.a. Range (%)

Note Flat Rate p.a. Range (%)

6.00% - 21.00%

4.50% - 19.00%


The MoolahSense platform offers its investors number of ways to distribute their investments and mitigate risks of default. Investors should spread their investments across:

  1. Different Note Structures
  2. Different Risk Grade Issuers
  3. Different Industries

The following charts are provided to serve as a ready reckoner for the investors.

 

TOTAL OUTSTANDING PORTFOLIO COMPOSITION

The graph below is broken down into three note types to show all outstanding repayments from issuers, yet to be completed according to maturity of the notes. All investors’ repayment details (both paid and pending) are entirely recorded under the Offers section of the dashboard.

This Infographic illustrates MoolahSense’s approach towards risk diversification. It is advisable to spread your investments across different Note structures. Current portfolio comprises of 75% Equal Instalment, 17% Callable, 4% Interests Only, and 4% Bullet structure notes. Equal instalment notes have an amortizing schedule over next 12 months; where issuers pay a fixed instalment (Principal plus applicable interest) every month. The Interest Only notes require issuers to settle their principal obligations on a one-time, lump sum repayment. Callable on the other hand provides an option to the issuers to early redeem the notes - on a quarterly basis or at the end of the maturity date.

 

Issuer Risk Grade

One of assessment criteria of issuers listing campaigns on the platform is their current DP Credit Rating.

Apart from MS internal risk assessment framework, this serves as an additional tool to determine if a prospective issuer will be able to meet its obligations.

The chart shows grade wise distribution of risk rating (assessed by DP Information Group) for past and current issuers on MS platform.

What do these ratings signify? According to DP Information Network, a "DP1" rating signifies a company with extremely strong financial fundamentals with very low credit risk. Companies that possess "DP1 to DP4-" credit ratings are companies with investment grade quality. "DP5+ to DP6-" are high yield grades. Companies that fall under "DP7+ to DP8" grades are considered to be high.

We encourage our investors to distribute their investments across different risk grade issuers to diversify their risks of investing.

The DP Credit Rating of all issuers can be viewed under the MoolahCore tab of the campaign details section from the dashboard.

 

Interest Rate Distribution across Major Industry Segments

Apart from issuer, risk grade, primary industry of operations also plays a significant role in working out final interest rates offered on MS platform. The chart above shows the interest rate distribution across various industry segments of all past issuers on the platform.

 
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IMPORTANT MESSAGE: The "MoolahSense" name and logo are trademarks and are properties of MoolahSense Private Limited (Company Registration No. 201323794Z). All other trademarks appearing on this website are the property of their respective owners.

MoolahSense Private Limited is licenced and regulated by the Monetary Authority Singapore and holds a Capital Markets Services Licence (CMS-100568-1).

The funds placed by the Payees and the Issuers in the MoolahSense Account are monies of the Payees and the Issuers respectively, to be applied for purposes directed by the Payees and the Issuers. Monies placed in the MoolahSense Account are not, and shall not be, deposits as defined under the Banking Act (Cap. 19) of Singapore. Neither MoolahSense nor any of its directors, officers, employees, representatives, affiliates or agents shall have any liability whatsoever arising, for any error or incompleteness of fact or opinion in, or lack of care in the preparation or publication, of the materials posted on this website. MoolahSense does not give investment advice, provide analysis or recommendations regarding any offering posted on the website. The content and material available on the platform are for informational purposes only and should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other financial services or banking product. For full list of disclaimers, please refer to section 11 of the Standard T&Cs.