Organization "Profit Alliance": reviews of depositors

The market of microfinance services is now developed quite strongly - a large number of people regularly draw up small loans in cash for the purchase of small household appliances, payment of some urgent bills and other, returning them from the next salary.

In turn, companies that provide such loans, circulate funds, attracting deposits from other people, replenishing their financial portfolio.

Today we will talk about one of such microfinance organizations involved in accepting deposits and issuing loans. It is called "Profit Alliance". Reviews of investors about the office, as well as general information about the company's activities from the Internet will be given in this article.

general characteristics

This microfinance organization (hereinafter we will call it the reduced MFO) represents a typical structure for the circulation of money. As already noted, she accepts money from some people and gives them to others. What is interesting about it is the high interest rate that accrues on deposits. This alone can not but attract people who want to make money on their investments.

In addition, the company uses a number of marketing tools - decorating the site with the help of motivational beautiful pictures, detailing the information about its many years of successful activity and so on. Although if desired, any visitor to the site is able to detect some inaccuracies in the activities of "Profit Alliance". We do not take into account investors' remarks yet.

Years of activity and documents

In the "basement" of the site it is indicated that the company has been operating since 2011. At the same time, the year 2013 is clearly inscribed on the page "about us". It was then that the MFI was allegedly founded. In order to reinforce its image in the eyes of investors, it is possible to find certificates and certificates on registration of this subject of activity on the site pages, as well as a number of other documents. However, if you talk specifically about the company "Profit Alliance" (the reviews also emphasize this), there are only two documents related to it - this is a certificate of registration of a legal entity, as well as entering information about the company in the register of microfinance organizations. That is, other scanned papers refer to other business entities (such as LLC "Center for Population Financing" and "Eurocapital").

Deposits

Concerning the deposits, the company "Profit Alliance" (feedback from those who managed to cooperate with it, we'll bring it a little further) does not disclose more information. On the site you can find only general information that the funds are attracted from the population in the amount of 30 thousand to 5 million rubles. Regardless of the amount of the deposit, it will be charged 120 percent per annum (or 10% per month). As it is written on the same page, payment of interest on the deposit is made monthly. As for the period for which investments are accepted, it can be from 3 to 12 months.

A little further on the site describes a variety of "benefits" from this type of investment. Among them, "Profit Alliance" (a financial company whose reviews are so interesting to many investors) include openness, high profitability, reliability of the company, quality service, customer orientation and such things.

In order to invest your money, you need to call one of the phones listed in the "Contacts" section on the website, then drive up to the office and bring money. This is all done, as indicated by the representatives of the company, quickly and easily.

Loans

In addition to attracting money from the depositors of MFIs "Profit Alliance" (reviews will be a little further), it also deals with the issue of loans. This is usually a typical microloan, aimed at paying off small debts, buying some necessary, but inexpensive things, food to the new salary and so on.

According to the information on the official website, in the case of providing the car as collateral, the debtor has the right to issue a loan in the amount of 10 to 50 thousand rubles for a period of up to 1 year. At the same time, the borrower is obliged to make weekly payments on the loan. As for the interest rate, it is set at 2 percent per day.

Employees of the company promise that the procedure for issuing funds is simple enough and passes in the shortest possible time. You need to call one of the offices, come and chat live, provide documents for the pledge of valuable property and get the desired amount.

Guarantees

As noted above, the company publishes its registration documents, which testify to the procedure for creating and entering into the register all Russian MFIs. "Alliance Profit" (St. Petersburg is the second center where their office is opened, after Moscow) also guarantees that all deposits will be insured in the company "Loyd City". In confirmation of this, the depositor receives an insurance policy, which means that 100% of the deposit will be returned in any case.

According to the agents themselves, this allows us to talk about the absence of risk for investors and the profitability of the entire transaction as a whole. However, again, in order to be convinced of this, we will quote the comments of the depositors about "Profit Alliance", which will have to show what is what.

Why so much

There is a section on the MFI website that contains answers to the most common questions. One of them is the following: "Why do you pay so much?". In this case, of course, there is a 120-percent rate, which is paid to the depositor for the year of using the funds. This is really quite a lot - even in various forums about "Profit Alliance", the depositors' reviews testify to it as a suspiciously super-profitable organization. Especially considering that all deposits are insured.

As employees themselves explain this fact, it's all about very high interest rates on loans that borrowers pay. Indeed, 2 percent for the use of funds per day - about 720% per year. This is really a huge amount of profit. But this can not explain the 120% rate, since lending carries the marketing costs of attracting borrowers, as well as the risk costs in the event of a loan default. People who began to actively learn the details of the company's activities, even had their own version in this regard.

Customer Testimonials

Investors are mostly confidently called fraudulent company "Profit Alliance". "Microfinance organization" is just a cover of a simple financial pyramid, which takes money from some people and pays to others, creating the appearance of work. The principle of operation is very similar to how the legendary MMM functioned in its time, only the scale is smaller.

Reviews of investors mention that such companies arise everywhere. They rent offices, hire employee managers, smile to you, write beautiful stories about their work on the official website. But further business does not come.

As a rule, after collecting a certain amount, they simply stop payments and "fold", forever disappeared from the outraged depositors. Yes, and borrowers from the company, most likely not, because such a rate, and even against a car, is a pure swindle.

And another interesting point, which indicates the testimonials of investors. The site contains information that the company issues funds on behalf of "Profit Alliance", while taking it to the account of LLC "Center for Population Financing". Thus, to prove that you carried money to the first office, it will be impossible - according to the documents, these are two completely different legal entities.

Employee feedback

Unfortunately, using the search on the Internet, we could not find about the "Profit Alliance" reviews of employees. Probably, the reason for this is a small company staff consisting of several people. It is possible that the direct owners of this company are engaged in working with clients, without attracting additional personnel.

Anyway, but this plays into a clear minus the credibility of this MFI.

General conclusion

What can be written as a conclusion about this organization? It offers obviously too attractive conditions in order, obviously, to attract investors. At the same time, there are very few reviews from borrowers, no recommendations from employees, and only interrogative comments from potential investors who are interested in what kind of a lucrative business that is capable of giving such a crazy interest.

The second point is the separation of the company into several legal entities, which suggests that this was done for a reason. It is quite possible that the presence of several legal entities is a clue as to how the system of depositor deception functions.

As the recommendations of other investors testify, it is better to pass by this company. The yield of 120% per year is simply ridiculous. If we compare this organization with other, the most profitable in the industry, then they can promise a maximum of 20% per year. The difference is palpable.