What is Balance Sheet Lending? How is it different from P2P Lending?
In balance sheet lending (also called portfolio lending), the platform entity provides a loan directly to a consumer or business borrower. The loan is on the platforms balance sheet. The loan process is direct, like working with a bank.
Jonas Schmidt • June 26th, 2023
Definitions & Terms
Peer-to-Peer Lending

AxiaFunder interview with CEO Cormac Leech
AxiaFunder is one of the first investment platforms in Europe to offer litigation investments to retail investors with projected double-digit returns from winning lawsuits. The lawsuits you can invest in on AxiaFunder include housing disrepair claims, shareholder disputes, copyright theft, breach of employment contracts and much more. In this interview, you will learn from the CEO Cormac Leech what it means to invest in litigation cases on AxiaFunder.
Jonas Schmidt • September 21st, 2022
Industry Interviews
Peer-to-Peer Lending

Esketit Interview with CEO Vitālijs Zalovs
We talk to Esketit's Chief Executive Officer who tells us about the platform's business model and its present and future market position.
Jonas Schmidt • June 14th, 2022
Industry Interviews
Peer-to-Peer Lending

Supervest interview with CIO John Donahue
In this interview, we talk to Supervest CIO John Donahue to learn more about the platform's background and plans, ownership structure and business model, and, most of all, their investment offerings.
Jonas Schmidt • March 31st, 2022
Industry Interviews
Peer-to-Peer Lending

Profitus interview with CEO Viktorija Cijunskyte Vanagė
Profitus is one of the leading real estate crowdfunding platform in Lithuania. In this interview, Profitus CEO Viktorija Vanagė explains how she sees real estate crowdfunding, the impact of Covid on Prfitus, the future ahead and much more.
Jonas Schmidt • August 2nd, 2021
Industry Interviews
Real Estate Crowdfunding

Afranga interview with COO Yonko Chuklev
Afranga is a newly launched marketplace lending platform from the Bulgarian loan originator, Stikcredit. In this interview, we talk with Afranga COO Yonko Chuklev about the platform’s structure, business model and future plans.
Jonas Schmidt • April 26th, 2021
Industry Interviews
Peer-to-Peer Lending

Kuflink interview with CEO Narinder Khattoare [2021]
The Kuflink peer-to-peer lending platform was established in 2017 but is already an established player within UK-based property lending. We had a talk with Kuflink CEO Narinder Khattoare to learn more about his take on the P2P lending industry.
Jonas Schmidt • March 24th, 2021
Industry Interviews
Real Estate Crowdfunding

Income Marketplace interview with CEO Kimmo Rytkönen
Income Marketplace is a new, upcoming peer-to-peer platform with great ambitions. The platform want to provide highly-secured loans from emerging markets, and strives to make investor safety their trademark. We had a talk with CEO Kimmo Rytkönen.
Jonas Schmidt • February 16th, 2021
Industry Interviews
Peer-to-Peer Lending

Provision Funds in P2P Lending: Protection in Case of Loan Defaults
Provision funds helps to reduce the risk of investing in P2P lending by creating a safety buffer that P2P platforms can use to anticipate unforeseen circumstances. The goal is to offer a higher level of protection against losses. Does it work?
Jonas Schmidt • June 25th, 2020
Definitions & Terms
Peer-to-Peer Lending

What is Social Impact Lending and how does it support borrowers
For social enterprises, it can be challenging to find sufficient unrestricted funds via bank finance to scale up their activities or develop a new line of business. Social Impact Lending can be a solution to earn a return while impacting societies.
Jonas Schmidt • February 21st, 2020
Definitions & Terms
Peer-to-Peer Lending

Crowdfunding Explained: What is Crowdfunding?
Crowdfunding is an industry in rapid growth all over the world, with great potential for both fundraisers and funders. Crowdfunding is the way of raising funds from the public for either a business, an individual, a project, or a campaign.
Jonas Schmidt • November 24th, 2019
Definitions & Terms
Non-profit Crowdfunding

Peer-to-Peer Student Lending: Lend to Students with P2P Loans
Pursuing an MBA or other types of higher education requires financing – especially if you are aiming for a program at a top university. In recent years a new trend for financing Student Loans has risen, the so called Peer-to-Peer Student Lending.
Jonas Schmidt • September 23rd, 2019
Investment Guides
Peer-to-Peer Lending

Guide to Invoice Trading
Invoice trading is also known as p2p invoice finance or invoice crowdlending and is a type of peer-to-peer lending that allows individuals or institutional investors to purchase invoices or receivable notes from a business at a discount.
Jonas Schmidt • July 1st, 2019
Definitions & Terms
Peer-to-Peer Lending

Crowdfunding in Europe Report (2019)
Crowdfunding in Europe consists of different types of alternative financing of which p2p consumer lending with a 42% market cap is the largest. The highest funding volume still originates from the UK followed by France, Germany and the Netherlands.
Jonas Schmidt • June 5th, 2019
Market Reports
Non-profit Crowdfunding
Real Estate Crowdfunding
Peer-to-Peer Lending
Startup Investing

P2P Business Lending: Investing in Business Loans
Business crowdlending or p2p business lending is a type of lending-based crowdfunding where individuals or institutional funders will provide a loan to a business borrower – typically a small or medium-sized enterprise.
Jonas Schmidt • May 25th, 2019
Investment Guides
Peer-to-Peer Lending

What is P2P Lending “Skin in the Game”?
Skin in the game in p2p lending is a term used to describe the situation where P2P loan originators are risking losing their own money together with lenders buying their approved loans. The skin in the game is usually between 5 % and 15 %.
Jonas Schmidt • March 23rd, 2019
Definitions & Terms
Peer-to-Peer Lending

Indirect and Direct Investment Structure in Peer to Peer Lending
The importance of investment structure in peer-to-peer lending is often overlooked, but how the loans you are investing in are structured can have a massive impact on your risk as an investor. Learn how to know the differences in structures.
Jonas Schmidt • March 14th, 2019
Definitions & Terms
Peer-to-Peer Lending

What is a Loan Orginator in P2P Lending?
In peer-to-peer lending, a Loan Originator (LO) is a sales entity that uses marketing to acquire borrowers looking for a loan. Loan originators are acting as the fourth part in the peer-to-peer lending process and it carries a different risk.
Jonas Schmidt • March 1st, 2019
Definitions & Terms
Peer-to-Peer Lending
