Bit of a gamble..
I thought I will wait a few years before writing review but now it's been long enough. Out of the 3 projects I invested in, 1 was a few months late, 1 was many months late, and the current one is more than 18 months overdue following the end date. The advertised rate isn't true if using foreign currency as it reduces significantly once you take into account currency fluctuation and the transfer fee - on one occasion leading to a loss for me. Project updates word-to-word exactly the same for the last 6 months - recovery plan copy-pasted from the previous updates therefore in reality there is no update. No prospect for restructuring of repayment. Definitely would not recommend.