We are starting 2021 off with great news – our new secondary market with the opportunity to sell loans at a Premium or a Discount is now live! This feature allows you to set the price of the loans when selling your investments or choose to invest in loans sold by other investors.

Selling at a Premium or Discount

You can set the price of the loan on the My Investments → Individual Investments page by clicking the Sell button. A pop-up will appear where you can specify whether you want to resell the loan at par, at a premium, or a discount. The price of the loan you have for sale is specified in the Selling Price column.

Here is an example – you hold an investment of €100 that you want to sell.

  • At par (0%): the price of the loan does not change. When someone invests in the loan you are selling, you receive the whole outstanding balance of €100.
  • At a Premium: you specify a +5% premium for the loan you are selling. When someone invests in the loan, you receive €100 as well as €5 additional profit (it will be called a Secondary market transaction).
  • At a Discount: you specify a -5% discount for your loan. When someone invests in the loan, you receive €95 and the sale generates a €5 loss for you (it will be called a Secondary market transaction).

Buying at a Premium or Discount

The markets are now seperated. On the Invest → Manual Investments page you can select whether you would like to invest in loans from the Primary market or the Secondary market. The price of Secondary market loans is specified with a green (discount), red (premium), or grey (at par) icon.

We would very much appreciate your feedback and in case of questions do not hesitate to contact us.

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Roberts Lasovskis

Investment Platform Lead

Roberts is responsible for leading the growth, strategic development and innovation pipeline of TWINO P2P investment platform. Prior becoming the platform lead, Roberts worked in TWINO as Investor Adviser, closely communicating with our investors and working on strategic development.

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