💱⚡ How to use the secondary market to get liquidity — Complete guide
The secondary market is a very useful tool in crowdlending, especially when you need to obtain immediate liquidity without having to wait for loans or projects to reach their maturity.
In this guide, you will learn what it is, how it works, when it is recommended to use it, and how to maximize what you receive when selling your participations.
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📌 What is the secondary market in crowdlending?
It is a space within some platforms where investors can:
- 💸 Sell their loans or participations before they end
- 🛒 Buy participations that other investors are selling
The main objective is to obtain quick liquidity without waiting for the normal terms.
⚡ Why use the secondary market?
- 💶 You need the money before maturity
- 🔁 You want to reorganize your portfolio
- 📉 An originator starts showing worse signals
- 📈 You want to take advantage of new projects with better profitability
Your investment stops being blocked: you can "exit" whenever you want —although with conditions that we will see now.
Profitability 14%-15% 3% Extra
🔍 How does selling in the secondary market work?
The process is usually simple, although it varies according to the platform:
1️⃣ You select the loan or participation you want to sell
You can choose an individual one or a batch.
2️⃣ You indicate the price
- ➡️ At par (100% of the value)
- ➡️ With a discount (e.g., 98%)
- ➡️ With a premium (e.g., 102%), if the platform allows it
3️⃣ A buyer acquires it
Liquidity depends on demand and the price you set.
4️⃣ You receive the money immediately
In most platforms, the payment is automatic after the sale.
Profitability 10%-12% Up to €300
📈 Getting quick liquidity: effective strategies
✔ 1. Selling at par
If the loan is stable, with a good history and no delays, it usually sells quickly at 100% of the value.
✔ 2. Applying a small discount
A discount of 0.1% to 1% usually accelerates the sale without hurting your profitability too much.
✔ 3. Avoid selling loans with delays
They are difficult to sell and many investors avoid them. If your platform allows their sale, you might need a significant discount.
✔ 4. Prioritize short-term loans
Buyers usually prefer shorter terms, as they assume less risk.
✔ 5. Publish during high activity hours
Generally during the morning and early afternoon.
Profitability 10%-12% 2% Extra
🧠 When NOT to use the secondary market?
There are times when selling is not recommended:
- ❌ If the loan is 10–20 days from maturity
- ❌ If you apply too large a discount and lose profitability
- ❌ If you use the secondary market impulsively
- ❌ If the delay is still covered by buy-back
Before selling, ask yourself if you really need immediate liquidity.
📊 Practical example: how a small discount influences
Suppose you have a loan valued at €200 and you need to sell it quickly.
- 💵 Nominal value: €200
- 🏷️ Discount: 1%
- 💸 Amount you receive: €198
Losing €2 can be reasonable if liquidity is a priority.
Profitability 10%-12% Up to €300
🔁 Repurchase later: smart strategy
Sometimes you can sell to obtain liquidity, and then:
- ➡️ take advantage of a project with higher profitability
- ➡️ adjust your portfolio by type of loan
- ➡️ switch to originators with a better track record
The secondary market is not just for exiting, but also for optimizing.
🛡️ Risks of the secondary market
- 📉 There are not always buyers
- 💸 You might have to sell at a discount
- ⏳ Some loans take days to sell
- 📝 Some platforms charge commissions
Even so, it continues to be a very useful tool to control liquidity.
Profitability 10%-12% Up to €75
🏁 Conclusion
The secondary market is one of the greatest advantages of crowdlending, as it allows you to obtain quick liquidity and manage your portfolio with flexibility. If you use it strategically —especially by combining sales at par, moderate discounts, and selection of liquid loans— you will be able to achieve liquidity when you need it without compromising your long-term profitability.
✨ Frequently Asked Questions (FAQ)
Do all platforms have a secondary market?
No. It depends on the platform and its business model.
Is it safe to sell on the secondary market?
Yes, as long as you understand demand and reasonable prices.
Can I buy at a discount?
On many platforms yes, and it can be an excellent opportunity.
🔍 Transparency Commitment
On our blog we only share information about platforms we have tested personally and in which we have invested. All our reviews are based on real experiences. In addition, in each analysis we will be introducing demonstrative videos of our real investments.
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