P2P Market Data's Blog
Find good reads about market developments in P2P lending and equity crowdfunding, spot the best P2P platforms by reading our in-depth platform reviews, and learn how to make money with P2P lending and equity crowdfunding in our explanatory guides.
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How We Review Platforms
On P2PMarketData.com we publish unbiased, trustworthy platform reviews. This means that the content of the review and the opinions expressed about the given platform are
The Best Real Estate Crowdfunding Sites in Europe
We publish unbiased product reviews. The opinions are our own and not influenced by affiliate commissions or payment we receive from our advertising partners. Learn
International Funding Volumes October 2020
The Monthly Funding Report covers the development of alternative financing throughout the world by tracking crowdfunding investments, peer-to-peer & online lending platforms’ funding amounts month-by-month.
Understanding Collateral in Real Estate Crowdfunding
There’s a lot of talk going on in the P2P lending sphere about secured vs. unsecured loans. There’s also a degree of confusion: are unsecured
Investment Types in Real Estate Crowdfunding
In our recent posts, we looked at how real estate crowdfunding compares with more traditional real estate investments, including buying rental properties and investing in
Crypto Lending: A Practical Guide for Investors and Borrowers
The blockchain technology that empowers cryptocurrencies like Bitcoin and Ethereum and peer-to-peer lending is a natural fit that might help overcome some of the inherent
P2P Lending Explained: Business Models, Definitions & Statistics
Peer-to-Peer (P2P) lending can be described as a type of debt-based crowdfunding facilitated by online P2P lending platforms that connect borrowers and lenders by circumventing
International Funding Volumes September 2020
This is the September Funding Volume Report published by P2P Market Data. We publish a new funding volume report on a monthly basis as we
Real Estate Crowdfunding vs. Rental Property Investing
There are several ways you can invest in real estate. Real estate investment trusts (REITs) give you the opportunity to generate some passive income by
Real Estate Crowdfunding vs. REITs
Investing in real estate is, in principle, an awesome idea. Property provides a natural hedge against inflation, ensures a great deal of stability and downside
Are P2P Lending Funds & ETFs Worth the Investment?
In the last two articles, we compared P2P lending to traditional investments in stocks and bonds. One of the key takeaways was that P2P loans
P2P Lending vs. Bonds: Which Is the Better Investment?
In the previous article within this P2P lending vs. traditional financial instruments series, we looked at how P2P lending compares to stocks. We concluded that
P2P Lending vs. Stocks: What Should You Choose?
From old-school investments in art, wine, antiques or precious metals through niche financial assets such as hedge funds, venture capital and private equity to modern
International Funding Volumes August 2020
This is the August Funding Volume Report published by P2P Market Data. We publish a new funding volume report on a monthly basis as we
Crowdfunding Associations: Who are they and what are they doing?
Just as workers join trade unions to increase their visibility, cooperation and bargaining power, organisations within the same sectors team up in so-called trade associations
What is Litigation Crowdfunding?
Not a long time ago, crowdfunding was a niche associated mostly with local charities or struggling rock bands. Its unprecedented rise in recent years, however,
Starting Your Own Crowdfunding Platform Website
Crowdfunding industry reports and statistics unambiguously show how impressive the crowdfunding boom has been. Almost 6.5 million crowdfunding campaigns were launched just last year, totalling
International Funding Volumes July 2020
This is the first funding volume report published by P2P Market Data and in the future a new post will be published on a monthly
The History of P2P Lending
Online P2P lending began in 2005 with the launch of Zopa in the UK. Back then, “niche” or “ephemeral” at best, if not “shady”, have been some of the most eagerly used words to describe the baby sector. Fifteen years on, people lend and borrow billions of
How to Get a P2P Loan for Your UK Company
Peer-to-peer (P2P) lending is one of the fastest-growing trends in the world of finance as more and more people start to turn to financial solutions
Top 30 P2P Lending Portfolios
The biggest and best displayed P2P Lending & Crowdinvesting Portfolios by displayed online for everyone to follow. You will find portfolios from the most famous bloggers in the world within the area of Peer-to-Peer investing!
Provision Funds in P2P Lending: Protects Your Investment in Case of Loan Default
Provision funds are designed to reduce the risk of investing in P2P lending by creating a safety buffer that P2P platforms can use to anticipate
Is P2P Lending a Scam? – How to Avoid Investing in a Scam
Before carrying out bigger investments, it is normal to be worried about to what extent your investment will be safe. This article will dive into
Invest in Startups with Equity Crowdfunding
Investing in unlisted startup companies was previously only a possibility for business angels, venture capitalists or wealthy individuals. With the rise of crowdfunding, or more
Is P2P Lending Safe? A Risk Assessment [2020]
If you are looking for investment opportunities that are risk free, you might as well prepare yourself to be disappointed. There is no such thing
Crowdfunding Statistics Worldwide: Market Development, Country Volumes, and Industry Trends
Where last year’s worldwide crowdfunding statistics showed a market in rapid growth in all regions of the world, a recently published report displays a more
Reward Crowdfunding Explained
Reward crowdfunding is a very popular way for startups and entrepreneurs to receive the necessary capital in order to initialize the first steps of getting
Fundraising for Charity with Donation Crowdfunding
Donation-based crowdfunding has proved an efficient way for small charities to not only raise funds for charitable causes but also to broaden their network and
Best Ways of Earning Passive Income – Ideas & Opportunities
Passive income comes in various shapes and forms depending on how and in what you dedicate your resources and time. The passive investment opportunities are
Social Impact Lending: Help Building the Capacity of High-impact Social Organisations
Even for relatively large charity or social enterprises, it can be challenging to find sufficient unrestricted funds via bank finance to scale up their activities
The Due Diligence in Peer-to-Peer Lending Explained
In this Guest Post, Roxana (CSO at Blend Network) provides a brief guide to how her property lending platform performs due diligence and talks about what really matters for P2P Lending due diligence in 5 key steps.
Crowdfunding Explained: The Ultimate Guide to Crowdfunding
Crowdfunding is an industry in rapid growth all over the world, with great potential for both investors and individuals or businesses looking for funding. In
Common EU Rules for Crowdfunding: Regulation on European P2P Platforms Explained
Crowdfunding in Europe is starting to emerge as an alternative to traditional financing, and the European crowdfunding market has developed increasingly since the early 2000s
Cyber Security Risks in P2P Lending: What Investors Should Look Out For
The first thing an investor in P2P lending and other types of crowdinvesting must do before investing on a P2P platform is to get an
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
How to Buy Shares in P2P Lending Platforms
The main reasons startups, such as many P2P lending platforms, sell ownership when seeking funding are to speedup growth and get the right people on
Ultimate List of Buyback Guarantees & Provision Funds in P2P Lending
This article will cover all Buyback Guarantees and Provision Funds offered by P2P Lending Platforms. There are many different ways the platforms promise to ensure
The Future of P2P Lending in China: Is There a Time After the Great Cleanup?
Chinese crowdfunding and especially the peer-to-peer (P2P) lending industry in China has experienced some turbulent years – and probably will in the coming years as
Crowdfunding in China: A Look at the World’s Largest Market
China is by far the world’s largest contributor when it comes to funds raised through crowdfunding. In China, crowdfunding as a source of finance has
Balance Sheet Lending: What is it and how does it differ from P2P Lending?
In balance sheet lending (also called portfolio lending), the platform entity provides a loan directly to a consumer or business borrower. As p2p platforms involved
What is 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
Crowdfunding in the Americas: USA, Canada, Latin America & the Caribbean (2019)
Crowdfunding in the Americas is dominated by the United States that claims a market share of almost 97%. Globally, the US has the second largest
Crowdfunding in Europe: Market Size by Country & Finance Model (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
P2P Business Lending: Invest in Business Loans or Raise Funds
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
Consumer Crowdlending: From Niche to Mass Market
Consumer crowdlending or p2p consumer lending covers unsecured loans to private individuals funded by either individuals or institutional funders. The loans can have a high
The Ultimate Guide to Real Estate Crowdfunding with Examples
Real estate crowdfunding is a method of financing real estate projects by making these investment projects available for everyone. This enables entrepreneurs to launch real
24 Ways to Make Money With P2P Lending in Europe
24 ideas to make money and earn passive income with P2P Lending in Europe. Earn interest by lending your Euro to SME Businesses, Real Estate
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
P2P Lenders be Aware: The Two P2P Lending Business Models
Have you noticed there are significantly different online lending models in the so-called P2P Lending market? This short article will take you through the differences
Diversification in P2P Lending
What is Diversification? Diversification is a risk management technique used to create variety in the investments of your portfolio. The idea behind diversification techniques to
P2P Platform Reviews
Learn About Pros & Cons and Find The Best P2P Lending Platforms
Kviku Finance Review
Kviku Finance is a P2P loan originator marketplace that offers investments in consumer loans. The lending opportunities on the platform come from Kviku Group’s portfolio of loan originator companies.
LendSecured Review
LendSecured is a real estate crowdlending platform which solely provides investment opportunities that are backed by collateral. All investment projects on the platform come with a low LTV (Loan-to-Value ratio) ranging from 37% – 70%.
CrowdProperty Review
CrowdProperty is a large P2P Real Estate Lending service in the United Kingdom. With both residential and commercial property, this platform offers high quality UK property loans secured by collateral, to all investors with a UK bank account.
TransferWise Review
TransferWise is an international money transfer provider widely known for its fair exchange rates and low fees. Since its beginning in 2011, the company has seen massive growth, partly due to the fact that they offer the most currencies among all digital banks. As a matter of fact, the service is available in almost all countries and covers more than 1,000 country combinations across more than 50 currencies.
Nibble Finance Review
Nibble is a peer-to-peer lending platform that offers investors the opportunity to invest in short term loans ranging from a minimum amount of 10 EUR to a maximum amount of 1,000 EUR. Although Nibble is a new platform in the market (founded in 2019), the parent company IT Smart Finance has been in the industry since 2014.
Swaper Review
Swaper is an Estonion P2P lending platform founded in 2016. The platform offers a marketplace for investments in short-term unsecured consumer loans from Central and Eastern European countries. The loans are originated by Wandoo Finance Group, the parent company of Swaper.
Blend Network Review
BLEND Network is a peer-to-peer property lending platform that seeks to connect lenders directly with borrowers who are all established businesses and in most cases property developers with loans secured against a first-charge on the property.
Loanpad Review
Loanpad is a user-friendly peer-to-peer lending platform for secured real estate lending in UK. Investors lend through either of two lending accounts: Classic or Premium that delivers daily interest rates above inflation. The return is in GBP and backed by collateral in Real Estate in the United Kingdom.
Lendwise Review
Lendwise is a marketplace for peer-to-peer student lending that allows users to invest in loans granted to students in UK. The borrowers are applicants from universities all over the United Kingdom and all loans are issued in GBP.
TFG Crowd Review
TFG crowd is a new platform focused on direct p2p business lending of varies kinds. It’s main office is located in Tallinn, Estonia, but TFG crowd focuses on Latvia, United Kingdom and Germany as well. All loans are in Euro and many are offered with a buyback guarantee.
Wisefund Review
Wisefund is a digital peer-to-peer lending platform for individual lenders to invest in European SMEs that wish to grow their businesses. The purpose of the P2P platform is to enable ordinary people to invest in trustworthy businesses across multiple sectors of the economy.
Housers Review
Housers is a marketplace for direct peer-to-peer lending that allows users to invest in loans granted on the platform directly to borrowers. All loans are real estate or property development loans. The loans are all collateral backed and the platform is the first of its kind in Spain.
Assetz Capital Review
Assetz Capital was the first peer-to-peer lending platform in UK to facilitate secured collateral-backed loans. All loans are in GBP and collateral backed with security of property or UK business, through investments accounts such as IFISA, Manual Lending, Quick Access and more.
Crowdestate Review
Crowdestate is a real estate crowdfunding marketplace for direct peer-to-peer lending founded in Estonia in 2014. The platform offers high-quality and pre-vetted loan investment opportunities within the area of real estate, business and mortgage lending.
Viventor Review
Viventor is a digital peer-to-peer lending platform that allows every European to carry out cross-border investments in financial products granted by non-bank financial institutions, covered by Buyback Guarantee or Payment Guarantee.
Bulkestate Review
Bulkestate is primarily a real estate lending platform that allows investors to lend directly to developers of property mainly in Riga. Furthermore, they offer the unique service of Group Buying apartment owner titles at whole building sales. All investments are in Euro and loans secured by collateral.
Lendahand Review
Lendahand is a digital social impact lending platform for individual lenders who want to support and invest in SME’s and entrepreneurs in developing economies. The purpose of the Lendahand peer-to-peer platform is to enable ordinary people to lend money as cheap as possible to projects and businesses with a social mission.
Fellow Finance Review
Fellow Finance is a marketplace for direct peer-to-peer lending in Finland, Sweden, Denmark, Poland and Germany. All loans are consumer or business loans and acquired directly on the platform. The platform features automatic lending and all loans can be sold/bought on the secondary market.
Bondster Review
Bondster is a marketplace for peer-to-peer lending that offers investments in loans from various loan providers, also called loan originators, which are non-bank financial institutions. Most loans on the platform are secured, e.g. by real estate, property and/or buyback guarantee.
LandlordInvest Review
Landlordinvest is a platform for direct peer-to-peer lending to property investors in owning real estate in the United Kingdom, specifically England and Wales. The platform hosts direct access to commercial and residential property loans in GBP.
Rendity Review
Rendity is a real estate lending & investment platform that allows users to lend & invest in property primarily in Vienna, the capital of Austria, but the platform has also recently opened up for property in Berlin, the capital of Germany.
Twino Review
TWINO is a marketplace for peer-to-peer lending that seeks to connect investors with borrowers through a digital platform offering loan types such as unsecured personal loans, business loans, and invoice financing in Continental Europe.
EstateGuru Review
EstateGuru is a marketplace for direct peer-to-peer lending which allows users to invest in loans granted on the platform directly to borrowers. All loans are real estate or property development loans. The loans are all collateral backed and the track record is good.
IUVO Group Review
IUVO is a marketplace for peer-to-peer lending that allows users to invest in loans granted from non-bank financial institutions (loan originators). The loan originators have 30 % skin in the game and operates in the areas of mortgage loans, consumer loans, business loans and secured car loans.
Peerberry Review
PeerBerry is a marketplace for peer-to-peer lending that allows users to invest in loans granted from nonbank financial institutions (Loan Originators). Most of the loan originators have buyback guarantee in the areas of consumer loans, real estate loans and secured car loans.
Bondora Review
Bondora is a marketplace for peer-to-peer consumer lending that allows users to invest in loans granted through the Bondora Group to borrowers in Estonia, Finland and Spain. All loans are unsecured consumer loans. It is possible to automate investments and the loans can be traded on a secondary market.
Mintos Review
Mintos is a marketplace for peer-to-peer lending that allows users to invest in loans granted from non-bank financial institutions (Loan Originators). Mintos specializes in consumer lending and facilitates loans both with and without buyback guarantee.
Crowdestor Review
Crowdestor is a marketplace for direct peer-to-peer lending which allows users to invest directly in loans granted on the platform. The loans are to companies in the areas of transport, real estate and startup projects. All loans are collateral backed and/or covered by the Buyback Fund.
Reinvest24 Review
Reinvest24 is a real estate investment platform that allows users to invest in property in the upcoming capital of Estonia, Tallinn, and Latvia’s capital, Riga. All of the shares are in Euro and it is possible to invest in both residential and commercial property.