I'm not an investor, I've never invested in any ICO but I'm interested in it.
I've noticed that the success of ICO's depends on the services offered and mainly on the advisors of the Dev Team (e.g. a well-known banker or a Bitcoin/Ethereum Developer). When I read any article about an ICO, I always ask myself 2 questions: why is blockchain needed and what is the added value of blockchain ?
I'm analysing and comparing ICO's using websites such as:
https://icobazaar.com/https://wavesplatform.com/About lending and borrowing crypto-currencies, Poloniex offers this service (and automation tools exists) but I've never used it:
https://www.poloniex.com/lending#BTC