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Supervest Analysis

Accredited Investors
Rank #38
Business Loans
Personal Loans
Resale Marketplace Lending
Explore Supervest

Last updated in June 2022.

What is Supervest?

Supervest is a relatively young, US-based platform founded in 2019 and headquartered in Illinois. It has funded US$69.68m (€64.92m) worth of loans to date - see Supervest statistics for more historical performance insights.

Key Takeaways

  • An emerging platform backed by seed funding
  • Investments in Merchant Cash Advances, available for accredited investors with a $25,000 minimum investment
  • High returns (up to 25% annually) at the price of elevated risk (around 10% default rate, unsecured investment)

Who is Behind Supervest?

Three founders - Jay Morton, Kris Kehler, and Chris Queen, own most shares in the company and hold executive roles as CEO, CTO, and COO.

Supervest raised about $0.55 million in seed capital in 2021 via the crowdfunding platform SeedInvest.

The company doesn’t disclose its financial results.

Supervest's Investment Product

Supervest offers investments in Merchant Cash Advances (MCAs). MCA is a funding type for businesses needing immediate access to working capital. Unlike a traditional loan, an MCA is structured as a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card, debit card or cash sales. They tend to be shorter-term (usually 3-14 months), higher-risk (due to the processing speed, less borrower scrutiny, and no collateral), and higher-yield than traditional business loans.

Supervest is only available to accredited investors and has a high minimum investment threshold set at $25,000. Investments are automatically selected and matched based on the users' preferences. Investors have an “opt-out” option if they prefer to skip a matched deal.

How Much Can You Earn?

Supervest reports 15-25% returns, depending on the individual portfolio and investment criteria. According to the platform’s FAQs, default rates are about 8.5-10.5%.

The platform does not disclose its fee structure.

Other Considerations

Supervest CIO - John Donahue, has shared some plans for upgrades and product expansion in an interview with P2PMarketData:

Supervest is at an inflexion point in its growth. We have seen an amazing acceleration in interest and participation in our current MCA offerings. We are currently completing a major technology upgrade across our platform, which includes an improved UI for investors and funding partners. (...) We [also] have designs on offering additional asset class opportunities that would be truly unique in keeping with our culture at Supervest. We are exploring such asset classes as credit card processing residual portfolios, collectibles, and hard money loans.