INVESTING
Invest in loans
Choose from thousands of loans from around the world. Start investing from just $50, or build portfolios of any size. Automate your investments to save time
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We make investing in loans easy, whether you’re a beginner or an experienced investor.
About Us
Your money, when you need it
If you don’t want to wait for your investments to reach maturity, Blue Sun Trust Bank offers ways to get your money sooner. With Blue Sun Trust Core, you can cash out your investment anytime under normal market conditions – even if they haven’t reached maturity.²
And no matter how you invest, you can also sell your investments to other investors on our active Secondary Market.⁴
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Investing in loans in a regulated environment
On Blue Sun Trust Bank, you invest in loans by purchasing Notes, which are regulated financial instruments.⁵ Notes are emitted by a special purpose entity within the Blue Sun Trust Bank group that acts as the issuer. To create a Set of Notes, 6-20 loans with similar properties are pooled together. The Notes are then placed on Blue Sun Trust Bank so investors can invest in them.
Each Set has a unique International Securities Identification Number (ISIN) and consists of Notes of $0.01 nominal value each. The minimum investment is $50, or 5 000 Notes per Set you invest in. By investing in a Set of Notes, you gain exposure to all underlying loans in the Set proportional to the loan amount.
How Notes perform in different market conditions
The interest rate of a Note determines the return on investment when buying and holding the Note to maturity, as its cash flows are set when the Note is issued.
The interest rate of the Note at issuance depends on:
*inherent risk factors of the underlying loans, including the borrowers' creditworthiness, the lending company's creditworthiness, the underlying loan type and term, and more.
*market factors, including the general economic environment, general interest rate levels, supply and demand for Notes on Marc Reliance, and alternative investment opportunities in the financial sector.
*inherent risk factors of the underlying loans, including the borrowers' creditworthiness, the lending company's creditworthiness, the underlying loan type and term, and more.
*market factors, including the general economic environment, general interest rate levels, supply and demand for Notes on Marc Reliance, and alternative investment opportunities in the financial sector.
How Notes are created
Blue Sun Trust Bank is unique in the way that we do not issue loans – the loans are brought to the platform by our partner lending companies from around the world. Lending companies provide alternative financing to individuals and small businesses. To help fund the loans they issue, lending companies cooperate with Blue Sun Trust Bank to offer loan-backed investments to retail investors.
Currently, 63 legal entities from 23 countries offer investment opportunities on Blue Sun Trust Bank.
There are 2 ways how Notes can be created:
In the direct structure, the issuer acquires the title in loan receivables from the lending company that extended these loans to the borrowers.
Earning a return on the investment
Investors earn returns from the cash flows of the loans underlying the Notes. When borrowers make repayments on any of the loans, the lending company makes a payment to the issuer, who in turn makes a payment to each noteholder on Blue Sun Trust Bank
