{"id":974,"date":"2021-07-12T09:56:12","date_gmt":"2021-07-12T06:56:12","guid":{"rendered":"https:\/\/swaper.com\/blog\/?p=974"},"modified":"2022-03-15T10:25:26","modified_gmt":"2022-03-15T08:25:26","slug":"micro-loans","status":"publish","type":"post","link":"https:\/\/swaper.com\/blog\/en\/micro-loans\/","title":{"rendered":"How To Turn a Profit With Micro Loans (A Low Risk Investment Strategy For The Post Pandemic Era)"},"content":{"rendered":"

The world has changed. A lot.<\/p>\n

And if the past 18 months have taught us anything, it\u2019s that we\u2019ve had to get really<\/em> creative in all areas of our lives.<\/p>\n

Imagine being back in January 2020 and being told you\u2019d be working from home for the foreseeable future \u2014 not even allowed to leave your house!<\/p>\n

And not only that;<\/p>\n

You won\u2019t be able to go on holiday, see your friends, or visit family.<\/p>\n

You wouldn\u2019t have thought it possible!<\/p>\n

We\u2019ve all had to look for different and inventive ways to cope with our new way of life, and this has included where we get our income<\/a> and how we invest<\/a> our savings.<\/p>\n

With savings rates at 0.01% or even being negative, many of us are having to look elsewhere to grow our hard-earned money, which has allowed for new strategies –\u00a0 such as micro loans – to gain momentum.<\/p>\n

Let\u2019s find out what micro loans are and how you can make money with them.<\/p>\n

What are micro loans?<\/h2>\n

Micro loans are short-term loans where you invest a small amount, say between \u20ac100 and \u20ac2,000, for a short amount of time. The term is usually from as little as a few days to a couple of months.<\/p>\n

If you\u2019re new to peer to peer (P2P) lending<\/a>, micro loans are a good way to get started. Due to the low amounts of money and time involved, they can be considered less risky than other types of loans.<\/p>\n

Most micro loans mature within 30 days and offer a good return to investors.<\/p>\n

How does microlending work?<\/h2>\n

An individual borrower goes to a lender (also called a loan originator<\/a>) and asks for a loan.<\/p>\n

Once they pass the checks and their identity is verified, they are then issued the loan.<\/p>\n

These loan originators partner with an investor platforms like Swaper<\/a>, and investors can buy that loan from the loan originator, essentially becoming a \u201cmicro lender\u201d.<\/p>\n

The loan originator and P2P platform are in charge of managing the borrowers and setting up a platform for investors (acting as middlemen). As an investor, you just need to deposit your money.<\/p>\n

What if a borrower defaults?<\/p>\n

With Swaper, we offer buyback<\/a>, which means as an investor, you get your money back along with the interest for the whole period you funded the loan.<\/p>\n

Can you make money with micro loans?<\/h2>\n

Micro loans carry high interest rates and can bring potentially very high returns<\/strong> for investors.<\/p>\n

Our loan originator, Wandoo Finance<\/a>, makes as much as 200%<\/strong> on the loans they issue \u2014 which is why we can offer 14% (and 16%<\/a>) return to our investors.<\/p>\n

If you use the right platform and deposit money regularly, you\u2019ll be making higher returns than with the stock market<\/a> or other asset classes.<\/p>\n

4 Benefits of investing in micro loans<\/h2>\n

1. Easy to get started<\/h3>\n

In P2P investing<\/a> you have various types of loans you can invest in: short-term, business, property<\/a>, etc. If you\u2019re new to this world, micro loans are a great way to get started since you only have to wait a month to receive your payment and you can begin investing with a very small amount (as little as \u20ac10 with Swaper!).<\/p>\n

2. High level of liquidity<\/h3>\n

The short-term nature of micro lending means that your capital is only tied up for a little while. This gives you great flexibility as you can usually withdraw your investments within weeks.<\/p>\n

At Swaper, you can expect to receive your interest payments once per month. That makes it a lot more predictable and allows you to build a steady monthly income<\/a>.<\/p>\n

3. It\u2019s a stable investment<\/h3>\n

Sure, cryptocurrencies<\/a> and forex offer even higher returns \u2014 but would you be able to sleep well at night? The high volatility means your heart will skip a beat every time your investments fluctuate.<\/p>\n

That doesn\u2019t happen with micro-loans. Sure, some of your loans could default which means you may need to wait a while to get your money back. But on average, returns are consistent every month<\/strong> and you don\u2019t have to worry about losing your money overnight.<\/p>\n

4. Good diversification<\/h3>\n

There are thousands of micro loans available to invest in, which makes it very easy to split your investment over a broad portfolio of loans.<\/p>\n

With Swaper\u2019s Auto-Invest feature, your deposits are invested automatically across various loans to ensure your portfolio is well diversified<\/a>.<\/p>\n

How to get started with micro loans<\/h2>\n

The best way to get started with micro loans is to invest through a P2P platform<\/a>.<\/p>\n

P2P platforms will help you connect with the right borrowers and manage all the backend admin. You just need to deposit your money, set up your Auto-Invest portfolio and we\u2019ll do all the rest.<\/p>\n

Getting started with Swaper is easy:<\/p>\n

    \n
  1. Create a Swaper account<\/a><\/li>\n
  2. Verify your identity<\/a><\/li>\n
  3. Deposit at least \u20ac10<\/li>\n
  4. Set up your Auto-Invest portfolio<\/a><\/li>\n
  5. See your interest payments rolling in every month!<\/li>\n<\/ol>\n

    Our Swaper platform has been managing P2P loans since 2016, and our team has extensive experience in finance<\/a>, fintech and investment banking.<\/p>\n

    By investing through Swaper<\/a>, you can rest assured you\u2019re in good hands.<\/p>\n

    Ready to get started? Join now.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    The world has changed. A lot. And if the past 18 months have taught us anything, it\u2019s that we\u2019ve had to get really creative in all areas of our lives. Imagine being back in January 2020 and being told you\u2019d be working from home for the foreseeable future \u2014 not even allowed to leave your […]<\/p>\n","protected":false},"author":2,"featured_media":975,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","ngg_post_thumbnail":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-p2p-lending"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"yoast_head":"\nMicro Loans: A Low Risk Investment Strategy For The Post Pandemic Era<\/title>\n<meta name=\"description\" content=\"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Micro Loans: A Low Risk Investment Strategy For The Post Pandemic Era\" \/>\n<meta property=\"og:description\" content=\"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Swaper Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/swaperinvest\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-12T06:56:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-15T08:25:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2098\" \/>\n\t<meta property=\"og:image:height\" content=\"992\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Steven Macdonald\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Steven Macdonald\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\"},\"author\":{\"name\":\"Steven Macdonald\",\"@id\":\"https:\/\/swaper.com\/blog\/#\/schema\/person\/cd1e5e20a8100b70349df5bbd7c0ce86\"},\"headline\":\"How To Turn a Profit With Micro Loans (A Low Risk Investment Strategy For The Post Pandemic Era)\",\"datePublished\":\"2021-07-12T06:56:12+00:00\",\"dateModified\":\"2022-03-15T08:25:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\"},\"wordCount\":878,\"publisher\":{\"@id\":\"https:\/\/swaper.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg\",\"articleSection\":[\"P2P Lending\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\",\"url\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\",\"name\":\"Micro Loans: A Low Risk Investment Strategy For The Post Pandemic Era\",\"isPartOf\":{\"@id\":\"https:\/\/swaper.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg\",\"datePublished\":\"2021-07-12T06:56:12+00:00\",\"dateModified\":\"2022-03-15T08:25:26+00:00\",\"description\":\"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?\",\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/swaper.com\/blog\/en\/micro-loans\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage\",\"url\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg\",\"contentUrl\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg\",\"width\":2098,\"height\":992,\"caption\":\"Micro Loans\"},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/swaper.com\/blog\/#website\",\"url\":\"https:\/\/swaper.com\/blog\/\",\"name\":\"Swaper Blog\",\"description\":\"Passive income. It's Easy!\",\"publisher\":{\"@id\":\"https:\/\/swaper.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/swaper.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/swaper.com\/blog\/#organization\",\"name\":\"Swaper Blog\",\"url\":\"https:\/\/swaper.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/swaper.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/swaper-logo-web.png\",\"contentUrl\":\"https:\/\/swaper.com\/blog\/wp-content\/uploads\/swaper-logo-web.png\",\"width\":282,\"height\":60,\"caption\":\"Swaper Blog\"},\"image\":{\"@id\":\"https:\/\/swaper.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/swaperinvest\/\",\"https:\/\/www.linkedin.com\/company\/swaper\/\",\"https:\/\/www.youtube.com\/channel\/UCkAbe54JsXVhogsFo65rpVQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/swaper.com\/blog\/#\/schema\/person\/cd1e5e20a8100b70349df5bbd7c0ce86\",\"name\":\"Steven Macdonald\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Micro Loans: A Low Risk Investment Strategy For The Post Pandemic Era","description":"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/swaper.com\/blog\/en\/micro-loans\/","og_locale":"en_GB","og_type":"article","og_title":"Micro Loans: A Low Risk Investment Strategy For The Post Pandemic Era","og_description":"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?","og_url":"https:\/\/swaper.com\/blog\/en\/micro-loans\/","og_site_name":"Swaper Blog","article_publisher":"https:\/\/www.facebook.com\/swaperinvest\/","article_published_time":"2021-07-12T06:56:12+00:00","article_modified_time":"2022-03-15T08:25:26+00:00","og_image":[{"width":2098,"height":992,"url":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg","type":"image\/jpeg"}],"author":"Steven Macdonald","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Steven Macdonald","Estimated reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/#article","isPartOf":{"@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/"},"author":{"name":"Steven Macdonald","@id":"https:\/\/swaper.com\/blog\/#\/schema\/person\/cd1e5e20a8100b70349df5bbd7c0ce86"},"headline":"How To Turn a Profit With Micro Loans (A Low Risk Investment Strategy For The Post Pandemic Era)","datePublished":"2021-07-12T06:56:12+00:00","dateModified":"2022-03-15T08:25:26+00:00","mainEntityOfPage":{"@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/"},"wordCount":878,"publisher":{"@id":"https:\/\/swaper.com\/blog\/#organization"},"image":{"@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg","articleSection":["P2P Lending"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/","url":"https:\/\/swaper.com\/blog\/en\/micro-loans\/","name":"Micro Loans: A Low Risk Investment Strategy For The Post Pandemic Era","isPartOf":{"@id":"https:\/\/swaper.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage"},"image":{"@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage"},"thumbnailUrl":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg","datePublished":"2021-07-12T06:56:12+00:00","dateModified":"2022-03-15T08:25:26+00:00","description":"Micro loans are a proven low cost, low risk strategy to build wealth and grow your portfolio. But how do they work?","inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/swaper.com\/blog\/en\/micro-loans\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/swaper.com\/blog\/en\/micro-loans\/#primaryimage","url":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg","contentUrl":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/micro-loans.jpg","width":2098,"height":992,"caption":"Micro Loans"},{"@type":"WebSite","@id":"https:\/\/swaper.com\/blog\/#website","url":"https:\/\/swaper.com\/blog\/","name":"Swaper Blog","description":"Passive income. It's Easy!","publisher":{"@id":"https:\/\/swaper.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/swaper.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/swaper.com\/blog\/#organization","name":"Swaper Blog","url":"https:\/\/swaper.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/swaper.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/swaper-logo-web.png","contentUrl":"https:\/\/swaper.com\/blog\/wp-content\/uploads\/swaper-logo-web.png","width":282,"height":60,"caption":"Swaper Blog"},"image":{"@id":"https:\/\/swaper.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/swaperinvest\/","https:\/\/www.linkedin.com\/company\/swaper\/","https:\/\/www.youtube.com\/channel\/UCkAbe54JsXVhogsFo65rpVQ"]},{"@type":"Person","@id":"https:\/\/swaper.com\/blog\/#\/schema\/person\/cd1e5e20a8100b70349df5bbd7c0ce86","name":"Steven Macdonald"}]}},"modified_by":"MDK Consulting","_links":{"self":[{"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/posts\/974","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/comments?post=974"}],"version-history":[{"count":8,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/posts\/974\/revisions"}],"predecessor-version":[{"id":1412,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/posts\/974\/revisions\/1412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/media\/975"}],"wp:attachment":[{"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/media?parent=974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/categories?post=974"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swaper.com\/blog\/wp-json\/wp\/v2\/tags?post=974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}