you will earn 90% if project is not scam.
Actually, it takes a lot of time to study these ICO and most of the time it is not so easy to make a judgment. But I do agree that if you invest on good ICO then can make good profit. Otherwise, can go for some good altcoins to invest like Waves, IOTA and NEM for long term profits.
Lending will be a good profitable business if we hold collaterals because if some one don't pay back then we can sell the collateral to recover our money. But not sure how these sites work.
Collaterals are the biggest asset on lending business its because by holding that we can earn more even though the borrower left us without giving any words from them. But aside from that maybe ICO is really can be our another option but we should think nicely and learn about them deeply so that we would not be a scam victim by those scam ICO's