At first I misread the name as "Malinvest". Funny enough, the website is set up to encourage exactly that. You have to pick a business based on a short descrip

At first I misread the name as "Malinvest". Funny enough, the website is set up to encourage exactly that. You have to pick a business based on a short description and some social media profiles. Some of the listings have a business plan or a slide deck, but none present an audited financial statement. Then there is a mysterious metric called "investment multiple". It seems to be a 6.5-year ROI. When you break it down, it boils down to 3.5-8.5% return per year on the money you lend them. However, the payment schedule is unspecified, and it is not exactly clear what recourse do you have if things go under. A bank would never provide a business loan on such terms.