Money 360, a fellow Peer to Peer lending investment platform, was founded in 2010 and offers real estate loans as well as investment opportunities to the average investor interested in crowd funding real-estate investments. Like most other peer to peer lending firms we have reviewed, Money 360 advocate fast, easy and affordable   investing. This platform offers a variety of ways to seek out and evaluate loans. N addition, prospective lenders are able to evaluate each project according to the risk assigned by Money 360.

Their Broad Funding Criteria features 6 items.

• The property types consist of commercial and residential
• Maximum loan-to-value amount of 80%
• Nationwide property location
• First lien position security interest
• Loan sizes of up to $20 Million
• Loan terms as little as 6 months to more than 5 years

In order to become a lender or borrower, there are three quick and easy steps, which the company has you proceed through. First comes the prequalification, next the loan application, and then the approval of the request.

For lenders out there, Money 360 offers a wide variety of opportunities to choose from. Through the online platform, there is 24/7 access “to all the exclusive real estate lending opportunities you wouldn’t see otherwise.” They also offer a variety of ways to disperse your loans according to how you prefer to invest your money. Included are the options to disperse your investment through either a short term or long term loan maturity. Loan amounts exceed their 20 million dollar mark .

When it comes to crowd funding, Money 360 is also no stranger. Their loan fractionalization offers investors the options of either funding a whole loan or diversifying risk by breaking up their money across different commercial real estate projects. They also make a selling point of avoiding idling cash by reinvesting distributions right away into projects that you are interested in.

This company seems to be a legitimate and well-rounded competitor in the new emerging real estate investment marketplace. Their leadership has extensive experience in finance and the investment sectors in business. Also from the design of their website, it seems as thought they know how to sell and present their business in a way investors can gain trust through putting their well earned cash in their hands. The fact that they take any questions through their Ask Us feature bodes well for the transparency they advocate in their business doings.

The main question that arises when comparing the PropFunds is “Are investors capital investment backed up and guaranteed?” It is all well and good that Money 360 presents their investment projects with 100% transparency, but in the wake of the recent economic crash, investors want to know that their money is safe with the company they invest in. Does Money 360 guarantee their investors capital is 100 % backed up? This is a question that is a bit hard to answer from just a simple browse through their website.

All in all though, it seems as though Money 360 is running a well to do business. The only question that remains is that which was previously stated.