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Trader Mistress
United Capital Blueprints
57
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Posted - 2016.01.25 19:36:48 -
[1] - Quote
Offering Short Term Loans
Any Amount
Interest Rate 10%
Collateral has to be 110% of loan request held by trusted third party ( Client arranges and pays the necessary fees )
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Trader Mistress
United Capital Blueprints
57
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Posted - 2016.01.25 19:37:02 -
[2] - Quote
Reserved |
Darkstar01
Republic University
Minmatar Republic
27
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Posted - 2016.01.25 20:12:56 -
[3] - Quote
Trader Mistress wrote:Offering Short Term Loans
Any Amount
Interest Rate 10%
Collateral has to be 110% of loan request held by trusted third party ( Client arranges and pays the necessary fees )
Not a bad idea...kind of like payday loans. But which prominent third party would be interested in the trivial fees earned by securing 1 - 3 billion worth of assets? |
Xtreem
Knockaround Guys Inc.
Sin City Coalition
407
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Posted - 2016.01.25 20:31:57 -
[4] - Quote
Problem you will face is most of the old, semi old and even new investors that lurk here would offer rates of 1-3% with a 110% backed loan, for a 10% margin you are looking at partial/no collateral punt investments. |
Trader Mistress
United Capital Blueprints
57
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Posted - 2016.01.25 20:38:37 -
[5] - Quote
Darkstar01 wrote:Trader Mistress wrote:Offering Short Term Loans
Any Amount
Interest Rate 10%
Collateral has to be 110% of loan request held by trusted third party ( Client arranges and pays the necessary fees ) Not a bad idea...kind of like payday loans. But which prominent third party would be interested in the trivial fees earned by securing 1 - 3 billion worth of assets?
Exactly like that idea, hence the name...
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lanyaie
Dead Rune Holder
1090
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Posted - 2016.01.26 07:28:47 -
[6] - Quote
As the previous poster mentioned, you'll be finding it hard to find anyone that would not rather take a loan with less interest from others. Usually collateralized loans are not going to be 10%
Spaceprincess.
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Areen Sassel
77
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Posted - 2016.01.26 22:02:35 -
[7] - Quote
Darkstar01 wrote:Not a bad idea...kind of like payday loans. But which prominent third party would be interested in the trivial fees earned by securing 1 - 3 billion worth of assets?
I think the main difficulty is that IRL people take payday loans at usurious rates because they're desperate. (Sure, it may be a bad long-term plan, but who cares about long-term plans if you can't eat today?)
No-one in EVE needs cash that badly _and_ has material assets (which they don't use - no logbook loans [1] in EVE secured on the ship they fly) sufficient for collateral _and_ can't readily monetise those assets even though they're good enough for the third party...
What you might try is a facility where the client deposits some large chunk of collateral they'd rather not monetise (eg PLEXes) with a third party, and you charge a higher interest rate for convenience and short-term deposits - rather than coming here and proposing a bond for 5b, they can EVEmail you and get 5b quickly (of course, you may have to log on a lot). You also win when the client does default and the PLEX has inflated since they deposited it [2]. Mind you, I imagine someone already does this.
[1] a fascinating business model built on the assumption that the client will default and the car will be repossessed.
[2] like a logbook loan, I would try to profit off the difference between the client's perception of their likelihood to default and the reality. |
Trader Mistress
United Capital Blueprints
57
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Posted - 2016.01.31 18:08:24 -
[8] - Quote
up |
Dextrome Thorphan
Intrepid Crossing
145
|
Posted - 2016.02.02 10:44:50 -
[9] - Quote
Trader Mistress wrote:Offering Short Term Loans
Any Amount
Interest Rate 10%
Collateral has to be 110% of loan request held by trusted third party ( Client arranges and pays the necessary fees )
Uhm.... offering same loans at 5%! |
Caleb Ayrania
TarNec
Invisible Exchequer
272
|
Posted - 2016.02.02 11:33:51 -
[10] - Quote
I think you jumped the gun on that biz idea..
The direction was good, but you seem to have skipped the SWAT analysis.
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Zad Murrard
Perkone
Caldari State
25
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Posted - 2016.02.02 11:43:54 -
[11] - Quote
Perhaps move this to sell orders if the idea is to up this every once in a while? |
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