Untie offers high return to a low historical risk.
You who save a small sum of money every month might as well do it through us. We will help you do what the bank already does and lend your money, with the small difference that you get to keep most of the interest rate yourself.
Our returns vary depending on a few factors. The loans we issue have an interest rate between 8-23% and Untie takes 30% off that interest to keep our business running. That means that you as an investor earn 70% of the interest income. Depending on how many loans you have invested in and how well the loans are going, your return will either rise or fall. Historically, however, the return at Untie is high. And if you don’t make any money, then we won’t either. Read more on our calculation example of how this works.Start Investing
By monthly return, we mean that you who invest with us get your earned interest paid out several times a month, depending on when the borrowers pay the invoices and when their monthly invoices fall due.
So far, you get your money with one or a few days delay due to bank transfers and a few other factors.
financially and Risk-free investments do not exist. But Sweden is one of the world’s most stable countries, both politically.
In terms of experience, we know that the risk of losing money on a loan is just over one percent. If you only had invested in one loan it would be a big risk. But when you lend through Untie you own small shares in many loans.
By investing small amounts in many loans, you reduce your credit risk, which is the risk of losing all or parts of your investment.
With Untie you decide how much risk you want to take when investing your money. This can be done by diversifying your portfolio on how much you want to invest on each loan.
If you deposit a total of SEK 1000 and choose to invest SEK 100 per loan, your money will be divided into 10 loans. This way you increase your risk spread and get a reduced credit risk.