Why Invest on Žltý melón?

By investing in loans on Žltý melón you lend to people directly, without any intermediaries, meaning you benefit from the returns and profits earned on your investments, rather than letting banks and big financial institutions keep all the profits made from your money.



Current returns


Secured

Current net return

7,88 %

p.a.
Low-risk

Current net return

8,37 %

p.a.
Balanced

Current net return

9,95 %

p.a.
Dynamic

Current net return

7,57 %

p.a.

Data on current yields and effective interest rates are based on the data for the current loan portfolio on Žltý melón, which meets the selected criteria for the period of last two years. The current yields presented here does not guarantee future returns. Accurate future distribution of your portfolio may vary slightly from the parameters selected here, related to several things including the amount of investment criterias, the availability of the required types of loans and their combination.


Your investment is split across a number of different loans, which ensures your investment is diversified and lowers your risks. You only deal with reliable borrowers, who must first meet a strict set of requirements before they are allowed to present their loan application to potential investors. Our credit analysts assess every loan applicant thoroughly, just the way banks do it.

You can learn more about our results in the Statistics section of our website.



A refreshing way to invest

Žltý melón has been operating successfully since 2012, we have a proven business model and portfolio that provides high returns for our clients
Receive higher and more stable returns on your investments, rather than letting big financial institutions keep all the profits made from your money
You can choose from various secured investments as well as those that can achieve a higher return with a certain degree of risk
Investing is simple - you can use our Auto Invest feature, where you pick a desired level of return for your portfolio, or manually choose the investment opportunities from the auction listings
You receive higher returns on your investments than anywhere else, while your money also works to help real people

What else does Zltý Melón offer?

You choose the preferred return on investment as well as the level of risk, with us you have a control over who you lend to and under what conditions
Direct contractual relations between investors and borrowers
Transparent statistics on the status and development of the investment portfolio - individual and the entire portfolio of Žltý melón
Access to the details of each investment/loan with repayment details, history of all transactions on the account, the possibility of custom exports for own analytical purposes
You get your earnings every month and you have an unlimited access to your available funds
The entire interest income stays with investors, we only charge a low fee
The possibility of selling receivables between investors (Secondary market)

Žltý melón means 'yellow melon' in Slovak - now you know!

What does that have to do with loans?

'Melón' is also a commonly used slang term for money, but there is much more to our name and our company than that!

We have a fresh vision for p2p lending, which is pure, simple and fair.



How does the investment process work

  Create your account

After signing in, you can get to know the Žltý melón platform and decide how much you want to invest. Getting started is easy and you can invest as little as 25 EUR.

Registering on Žltý melón does not commit you to anything. You pay no fees for having an account and you can terminate your contract any time.

  Choose your investment strategy

Our investment portfolios are created to meet the criteria of a wide range of clients. You can choose from multiple secured investments as well as those that can achieve a higher return.

Decide whether you will use our Auto Invest feature, where you pick a desired level of return for your portfolio or manually choose the investment opportunities from the auction listings. You can obviously also choose to combine these approaches.

  Start investing

If you choose to use our Auto Invest feature, it is as simple as adding money to your account. Based on your chosen investment strategy, our auto-investment tool will automatically make investment offers on loan auctions that match your parameters and will keep you updated about your investments on your account or via email.

For individual investments, start by finding the loan auction which meets your investment criteria. You can then learn more about the people who want to borrow from you, their financial background, our detailed assessment of their credit risk profile and the purpose of their loan. If you want to know any further information you can ask them any question concerning their loan application before making your final investment decision. Once you have decided to invest, simply determine the amount you want to invest, the interest rate you are willing to accept and make your investment offer.

  Earn money each month

There is no need for you to actively manage your investments because we do it for you. Within your account dashboard you can easily check the progress of your investments and see the regular monthly loan repayments made by borrowers, broken down by loan principle and interest charges. You can transfer the money received from repayments to your bank account or just reinvest it into new loans and increase the returns on your investment.

If you need money from your investments before their maturity date, you can sell them on our Secondary Market to other investors or ask us to arrange their sale as part of the increased liquidity program.


Additional information:
You can see current Investment opportunities here.
You can learn more about Investments security here.
You can learn more about Investments management here.
You can learn more about Automatic investments here.
You can learn more about Setting the interest rate for loans here.





Investment products

Žltý melón offers you various types of investments and loans to choose from, as well as different forms of security and approaches to help you manage and protect your investment portfolio. Everything you need has already been prepared for you, making it easy to decide on the most profitable investing strategy that is tailored just for you.

Standard Loans

Invest directly in the individual loans of your choice.

Investment in individual loans is arranged via loan auctions where you choose the borrower and set the conditions for funding their loan. Žltý melón provides various types of credit and loan auctions to ensure the best match is found for each investor and borrower. Every loan applicant is thoroughly verified and their creditworthiness is assessed carefully to minimise the risk to investors and likelihood they will fail to repay their loan.

You are provided with all the information you need to make your investment decisions and you can also ask the applicants further questions if anything is unclear and to ensure you fully understand their loan application before you invest.

You can learn more about standard loans here.

Loans with an extra guarantee

Investing at unbeatable rates with an extra guarantee on your investment.

Invest your money into short-term real estate finance at an atractive interest rate paid directly into your Žltý melón investment account. We offer our clients a unique opportunity to invest in safe and profitable loans taken out by people to finance the purchase of their new home.

Investment in these loans are secured with a buyback guarantee, provided by a well-known property developer, as well as the real estate itself, which ensures that your investment can be realised as cash at any time.

You can learn more about our guaranteed investment opportunities here.

Secondary market

Invest in existing loans that fit your investment strategy.

Our secondary market ensures your investments have high liquidity and can be realised as cash whenever you need it. Using our unique secondary market means you can buy existing loans which were provided through Žltý melón and previously funded by other investors, plus, sell your investment stake in loans made on our platform to other investors, quickly turning your investment back into cash.

When investing on the secondary market you are able to see the borrower’s history of repayments on their loan and the level of returns earned by the current investor from those repayments. You can also discuss other details with the current investor before negotiating a fair price for their stake in the existing loan, which works for both of you.

Savings through an automatic investment

Grow your savings through regular automatic investment in a portfolio of loans carefully selected to match your chosen investment strategy.

Our platform allows you to invest your money in loans automatically to save you time and ensure your money is working for you. All you need to do is choose your your desired investment strategy, either by setting the detailed loan criteria yourself, or by using one of our recommended investment strategies.

Our system of revenue optimisation does the rest and will ensure that your return on investment will be maximised. Automatic investment means you do not have to invest manually into various auctions for loans or discuss loan applications with potential borrower. Our system saves you time, while also ensuring you remain in full control of your investment and can monitor the performance of your portfolio or alter your investment strategy at any time.

TYPES OF LOANS ON ŽLTÝ MELÓN

Non-purpose loans

Unsecured personal loans of up to 15,000 EUR.

These are standard unsecured loans, but investors still have a legal right to collect from borrowers in the event of non-payment through a claim against the borrowers personal property. Higher risk borrowers are asked to consent to repayments through payroll deductions as a form of additional security for investors.

Non-purpose loan with co-debtor

This is the same type of loan as a standard personal loan, but is taken out with someone else close to the borrower, who agrees to act as a guarantor and co-signs for the loan.

If the borrower fails to repay their loan as agreed, the legal obligation for the loan and its full repayment passes to the guarantor.

CashFree Housing

Loans to finance the purchase of a new home

These loans are provided in partnership with a well-known real estate developer and is used to cover the first deposit needed to secure the reserveration of a new home bought by the applicant. The properties being purchased with these loans are currently under construction. As these loans are linked to real estate, the developer also provides an additional guarantee for investors, in the form of a full refund of their investment in the event that the borrower has difficulties maintaining their loan repayments.

You can learn more about this type of investment in the section on Cash-Free Housing investments.

CashFree Hypo

Loans to finance the deposit for the purchase of a new home

The CashFree Hypo loan is used to finance the deposit for the purchase of a new home. The primary requirement for this loan is to secure a traditional mortgage with a bank in Slovakia. These loans are secured through an agreement that allows investors to claim money owed to them through the sale of the property, immediately after the bank that issued the mortgage.

You can learn more about this type of investment in the section on Cash-Free Hypo investments.

Partner Loans

Investing with buyback guarantee and a stable returns for all investors.

This product is created in cooperation with established lenders who provide investments and interest guarantees. Everyone has the opportunity to invest easily in loans from major global providers, to achieve above-standard returns, and obtain the guarantee of invested money.

You can learn more about this type of investment in the section on Partner Loans.



Fees

The only standard fee for investors is the fee charged for investment management. The fee is fixed at 1.0% of the monthly instalments collected from borrowers with the exception of investments in Cash-Free loans for which the fee is only 0.33%.

Compensation for delayed repayments

If a borrowers fails to make their scheduled monthly repayment on time, they will be charged a late payment fee in the amount of 10 EUR for each month that each delayed or missed repayment is late. Of this amount, the investors collect 80% as a compensation for the late payment, which is split proportionally based on the amount of the loan that they originally funded, while the remaining amount is used to cover the additional costs of the recovery process.

ŽLTÝ MELÓN CARES ABOUT YOUR INVESTMENT RETURNS

The monthly investment management fee is not collected on loans which the borrower has not paid the instalments for, thus the fee applies only to money invested and which has been repaid.

You can read more about our fees in the 'Valid Schedule of Charges'.

Frequently asked questions

If you are in doubt about Žltý melón operation, visit Frequently asked questions in the section on Investors FAQs.