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Bondster Analysis

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Last updated in December 2022.

What is Bondster?

Bondster Marketplace s.r.o. is a Czech Republic-based marketplace lending platform that was launched in 2017. Its aim is to offer a credible alternative to traditional investing, without the use of banks or other financial intermediaries, with the goal of generating returns that exceed inflation. Since its launch, Bondster has attracted over 16,350 investors who have invested a total of over €140 million.

Head over to the Bondster statistics to get more valuable performance insights. 

Key Takeaways

  • Bondster is owned by CEP Invest Private Equity.
  • Bondster offers a variety of loans including loans secured by Bitcoin. 
  • Investors have earned an average annual return of 13.7% on Bondster.

Who is Behind Bondster?

The team behind Bondster is experienced in finance and sales. Pavel Klema, the CEO of Bondster is a skilled professional in Risk Management, Banking & Financial Planning, and Customer Relationship Management (CRM). Martin Kašpar, the Chief Sales & Marketing Officer has extensive experience and has worked with a number of organizations within the Financial Services industry, including at Profi Credit Czech for 7 years. 

Bondster is owned by CEP Invest Private Equity, a company which is owned by an individual, Václav Valeš. It should also be noted that a strategic partner of Bondster is ACEMA Credit Czech, a.s.; Acema is also the lender that offers real estate investments on Bondster.

Bondster's Investment Product

Bondster offers loans that are secured by lenders who have been thoroughly screened and assigned a credit risk rating on a scale from A+ to D. Bondster conducts due diligence on these lenders, which includes analyzing their AML and KYB compliance, assessing their financial and business profiles, and evaluating their operating environment.

Bondster offers two methods of investing: manual or preset investment strategies. Their loans offer varied interest rates and maturities ranging from a few weeks to several years. Loan types include:

  • auto loans
  • business loans
  • consumer loans 
  • short-term consumer loans 
  • personal loans 
  • payday loans
  • real estate loans
  • crypto loans

Bondster's preset euro and Czech crowns strategies vary in their expected returns and risk levels. Bondster also offers loans secured by Bitcoin with Autoinvest in cooperation with the Czech lender ACEMA. These loans are available in primary and secondary markets, and offer an advertised annual average return of 10%.

How Much Can You Earn?

Investors can start with as little as €5 and earn an average annual return of 13.7%. Over 16,350 investors have invested a total of €127.4 million on the platform. Returns are credited to investors' accounts every month, and investors can withdraw or sell their investments on the secondary market under predetermined conditions. Earning and terms can differ based on the currency denomination of the investment, listed below are the strategies and terms for investments in both Euros and CZK.

Advertised Returns in EUR

  • Diversified - Rating C to A+
    An average advertised annual return of 13.49%
    No more than 15% of funds are invested with one loan provider
  • Conservative - Rating B to A+
    An average advertised annual return of 14.03%
    No more than 15% of funds are invested with one loan provider 
    Auto reinvests earned interest
  • High-yield - Rating C to A+
    An average advertised annual return of 16.62%
    No more than 15% of funds are invested with one loan provider 
    Auto reinvests earned interest

Advertised Returns in CZK

  • Secured by real estate 
    Interest offered: 6% - 10% p.a.
    Maturity: 240 months max
    Average advertised annual return of 8.00%
    Loans with the possibility of regular withdrawals once every 6 months or once a year, post-investment.
  • High-yield
    Average advertised annual return of 9.25%
    Interest offered: 6% - 15% p.a.
    Maturity: 0 - 60 months
    Loans with the possibility of regular withdrawals once every 6 months or once a year, post-investment.

Approximately 85% of Bondster's investment products come with a buyback guarantee. Bondster charges a 1% yearly fee on investments in Czech crowns and no fees for investments in euros. Outgoing payments in CZK within the Czech Republic are free of charge. However, if an investor chooses to terminate their investment early, they may incur fees on their final payout.

Other Considerations

  • Bondster’s annual reports and company statements are not available in English.
  • Bondsters currently holds a 2.9 star rating on trustpilot.