The lack of loan availability for the retail investors has been mentioned a lot recently, and I'm beyond the point of holding out for things to change. Harmoney is effectively dead, unfortunately..

This plot (and table) shows how easily I found it to grow a portfolio when I first started, compared to the most recent 6 months.

Attachment 10578

data.jpg

The steepness / gradient of the plot shows how easy or difficult I found it to invest. The 147 days for the last 100 loans is a bit misleading, as I didn't invest in any loans in Feb 2019, however, the drop-off is plain to see.