Profile picture of Jan Bednorz

Jan Bednorz, Author at P2PMarketData

Jan Bednorz has over five years of experience as a researcher and writer, including policy-oriented research for the EU and international institutions. He holds an MS in International Economics from Nottingham Trent University & Poznan University of Economics and Business. Jan is keenly interested in the platform economy and P2P market dynamics. At P2PMarketData, he develops platform reviews and rankings, creates practical investing guides and writes articles on various peculiarities of the crowdfunding and P2P lending sectors.

The monthly funding report August 2021 international funding volumes
Markets
The Monthly Funding Report: August 2021
What happened last month in peer-to-peer lending and real estate crowdfunding? We take a look at numbers reported to P2P Market Data in July 2021 and dive deeper into this month’s special focus: A spike in Student Lending.
Jan Bednorz   •   September 13th, 2021
The monthly funding report in July 2021
Markets
The Monthly Funding Report: July 2021
What happened last month in peer-to-peer lending and real estate crowdfunding? We take a look at numbers reported to P2P Market Data in July 2021 and dive deeper into this month’s special focus: the exponential growth of peer-to-peer lending in Italy.
Jan Bednorz   •   August 13th, 2021
Logo Symbol of Peer to Peer lender Viventor
Peer to Peer Lending
Viventor Review
Viventor has been doing well, delivering high returns and avoiding serious problems, until the pandemic-induced stress test kicked in. Last year has been marred with troubles. Does Viventor remain a good high-yield option after the COVID crisis?
Jan Bednorz   •   July 16th, 2021
Logo Symbol of Peer-to-Peer lender Swaper
Peer to Peer Lending
Swaper Review
Swaper lists loans from its parent company – Wandoo. It offers high interest rates and attractive buyback conditions. Issues of diversification and transparency cast some shade on its reliability though. What’s the balance?
Jan Bednorz   •   July 14th, 2021
Logo of Peer to Peer lender Crowdestor
Peer to Peer Lending
Crowdestor Review
Over 20% ROI on (unsecured) business loans seems too good to be true. With the majority of loans in delay or default, Crowdestor is unlikely to sustain such a ROI over the long term. Can it prove that its business model is sustainable?
Jan Bednorz   •   July 14th, 2021
The monthly funding report in June 2021
Markets
The Monthly Funding Report: June 2021
What happened last month in Peer-to-Peer lending and real estate crowdfunding? We take a look at numbers reported to P2PMarketData in June 2021 and dive deeper into this month’s special focus: the post-pandemic acceleration of business lending.
Jan Bednorz   •   July 12th, 2021
Logo of Peer to Peer lender Blend
Peer to Peer Lending
Real Estate Crowdfunding
Blend Network Review
BLEND Network has flourished during the COVID crisis, funding record-high volumes, consistently delivering high returns to its investors, and shielding them from losses. If you seek good earnings on secured UK-based property, keep reading!
Jan Bednorz   •   July 6th, 2021
Logo of Peer to Peer lending platform IUVO Group
Peer to Peer Lending
IUVO Group Review
IUVO is a daughter company of a large holding company focused on Eastern European markets. It offers investments in several currencies and has proved to be relatively shock-proof, going swiftly through the 2020 turmoil.
Jan Bednorz   •   July 5th, 2021
Logo Symbol of Real Estate Crowdfunding platform Rendity
Peer to Peer Lending
Real Estate Crowdfunding
Rendity Review
Rendity has an excellent track record offering high-quality deals and attractive yet realistic interest rates, considering the maturity of markets it operates in. It seems to be one of the top peer-to-peer platforms out there. Find out more below!
Jan Bednorz   •   July 4th, 2021
Logo Symbol of Peer to Peer lender Fellow Finance
Peer to Peer Lending
Fellow Finance Review
Fellow Finance is the largest personal lending platform in continental Europe in our database. Launched and headquartered in Finland, it focuses primarily on its domestic market and attracts mostly Nordic investors. Is it worth a shot?
Jan Bednorz   •   July 3rd, 2021
Logo of P2P Lending site Esketit
Peer to Peer Lending
Esketit Review
Esketit has just been launched by the owners of the Creamfinance Group – a financial holding active in several European, Asian and American markets, with impressive funding volumes to date. Is their new independent platform worth a try?
Jan Bednorz   •   June 22nd, 2021
Internationa p2p lending volumes May 2021
Markets
The Monthly Funding Report: May 2021
What happened last month in P2P Lending and equity crowdfunding? We take a look at numbers reported to P2PMarketData in May 2021. This month’s special focus: the dynamics between traditional and alternative finance.
Jan Bednorz   •   June 14th, 2021
Logo of Peer-to-Peer lending marketplace Mintos
Peer to Peer Lending
Mintos Review
Mintos is the largest 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 with buyback guarantee.
Jan Bednorz   •   June 5th, 2021
Logo of Peer-to-Peer lending marketplace Twino
Peer to Peer Lending
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.
Jan Bednorz   •   June 5th, 2021
Logo of Peer-to-Peer lending marketplace PeerBerry
Peer to Peer Lending
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). Loans have buyback guarantee in the areas of consumer loans, real estate loans and car loans.
Jan Bednorz   •   June 5th, 2021
Logo of P2P Lending marketplace Kviku
Peer to Peer Lending
Kviku 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.
Jan Bednorz   •   June 5th, 2021
Logo of Peer-to-Peer lending platform Bondora
Peer to Peer Lending
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. The most popular product is their loan portfolio called "Go & Grow".
Jan Bednorz   •   June 3rd, 2021
Logo of p2p property lending platform EstateGuru
Real Estate Crowdfunding
EstateGuru Review
EstateGuru is a direct peer-to-peer real estate lending platform that allows users to invest in loans granted on the platform directly to borrowers. All loans are backed by real estate or property development projects and the track record is good.
Jan Bednorz   •   June 3rd, 2021
Image of researching the best SME business p2p lending sites
Peer to Peer Lending
The Best SME Business Lending Sites in Europe
Finding the right platform to use for business lending can be even more tricky than in the case of real estate crowdfunding. We look into six best choices in Europe based on the investment options and track record of past investment performance.
Jan Bednorz   •   May 17th, 2021
The monthly funding report of April 2021 by P2PMarketData
Markets
The Monthly Funding Report: April 2021
What happened last month in P2P finance and crowdfunding and how has the sector performed the last 12 months? We take a look at numbers reported to P2PMarketData April 2021 and dive deeper into this month’s special focus: the recent crypto craze.
Jan Bednorz   •   May 12th, 2021
Logo of p2p property lending platform LandlordInvest
Real Estate Crowdfunding
Peer to Peer Lending
LandlordInvest Review
LandlordInvest has been around since 2014 and, although it hasn’t reached high volumes and remained somewhat in the shade, it has a very good track record and offers exceptionally high interest rates. Is it the right choice for you?
Jan Bednorz   •   May 11th, 2021
Logo of P2P lending marketplace Profitus
Real Estate Crowdfunding
Peer to Peer Lending
Profitus Review
Profitus can be seen as an alternative to more popular and larger real estate crowdfunding platforms, although it comes with some small but bothersome flaws. Let’s check if it’s worth your time and money.
Jan Bednorz   •   May 3rd, 2021
Logo of P2P Lending platform Afranga
Peer to Peer Lending
Afranga Review
New platform from a Bulgarian loan originator with high advertised interest rates. Afranga has already managed to draw significant investment volumes in its first month. I take a look into how likely their rich promises are to be delivered.
Jan Bednorz   •   April 26th, 2021
Graph of the international p2p lending funding volumes during Coronavirus (Covid) 2020
Markets
P2P Lending Statistics in 2020: The Covid Impact
It was a bumpy ride for peer-to-peer lending in 2020 with the sector experiencing the biggest economic shot it has ever faced during the impact of Covid. P2P Lending Covid report based on numbers reported to P2PMarketData dating back to 2016.
Jan Bednorz   •   April 16th, 2021
The monthly funding report March 2021 by P2PMarketData
Markets
The Monthly Funding Report March 2021
What happened last month in P2P finance and crowdfunding? Which platforms are on the rise and which ones are falling behind? How has the sector performed over the last 12 months? We take a look at numbers reported to P2PMarketData in March 2021.
Jan Bednorz   •   April 12th, 2021
Logo of P2P lending platform CreditGate24
Peer to Peer Lending
Real Estate Crowdfunding
CreditGate24 Review
Creditgate24 is a well-established market leader on the Swiss alternative finance scene for SME business lending, real estate lending and personal loans. It offers some curious tools and investment products that you can love or hate.
Jan Bednorz   •   April 12th, 2021
The Monthly P2P Funding Report in February 2021 by P2PMarketData
Markets
The Monthly Funding Report February 2021
What happened last month in P2P finance and crowdfunding? We take a look at numbers reported to P2PMarketData in February 2021 and dive deeper into this month’s special focus: platforms’ performance during the COVID downturn.
Jan Bednorz   •   March 15th, 2021
Logo of p2p lending marketplace DoFinance
Peer to Peer Lending
DoFinance Review
DoFinance does not have a very long track record or impressive funding volumes and has gone through some serious trouble during the COVID crisis. There are reasons to hope following a set of deep reforms to their business structure.
Jan Bednorz   •   March 14th, 2021
Logo of litigation financing platform Axiafunder
Peer to Peer Lending
AxiaFunder Review
AxiaFunder offers equity in carefully selected legal cases, which bring incredibly high returns in a reasonable time but come with proportionately high risk and investment barriers. Is litigation crowdfunding worth your money?
Jan Bednorz   •   March 14th, 2021
Logo of SME Business lending platform Flender
Peer to Peer Lending
Flender Review
Flender is a well-established platform (as for the P2P lending upcoming sector standards at least) that offers carefully selected business loans with varied risk-return ratios. Does it compensate for the lack of secondary market? Let’s find out.
Jan Bednorz   •   March 11th, 2021
Image of a research of p2p lending sites
Peer to Peer Lending
The Best P2P Lending Sites in Europe 2021
Choosing the right P2P lending platform might be harder than it seems. The first problem is the number of available sites: P2PMarketData registers over 150 platforms in Europe alone – here is a list of the best P2P Lending sites in Europe.
Jan Bednorz   •   March 8th, 2021
Logo of SME business p2p lending platform Raizers
Real Estate Crowdfunding
Peer to Peer Lending
Raizers Review
Raizers is a regulated French real estate crowdfunding platform with a proven track record and a steady and solid growth since its launch in 2014. It offers a limited number of lending and equity deals with, so far, zero definitive loss rate.
Jan Bednorz   •   March 3rd, 2021
Logo of the P2P Lending marketplace GetIncome.com
Peer to Peer Lending
Income Marketplace Review
Income Marketplace has just launched as a “next-generation” Peer-to-Peer Lending platform with a sharp focus on investor safety, stakeholder engagement and transparency. Let’s take a look at what GetIncome.com business model has to offer.
Jan Bednorz   •   February 16th, 2021
Logo of personal p2p lending platform NEO Finance
Peer to Peer Lending
NEO Finance Review
NEO Finance is the largest Lithuanian P2P lending platform. It has an excellent track record and some unique features that make it an appealing choice for many investors. It has however, not reached the investment volume of many bigger players.
Jan Bednorz   •   February 14th, 2021
The Monthly P2P Funding Report in January 2021 by P2PMarketData
Markets
The Monthly Funding Report January 2021
What happened last month in P2P finance and crowdfunding? We take a look at numbers reported to P2PMarketData in January 2021 and dive deeper into this month’s special focus: the (under)performance of Polish P2P lending sites.
Jan Bednorz   •   February 10th, 2021
Logo of P2P lending marketplace Viainvest
Peer to Peer Lending
Viainvest Review
Viainvest is a platform that brings together loans from VIA SMS Group’s loan originators based in six European countries. We examine if it stands out compared to other platforms based on a similar p2p lending model.
Jan Bednorz   •   January 27th, 2021
Logo of blockchain based p2p lender Debitum Network
Peer to Peer Lending
Debitum Network Review
Debitum Network is a P2P lending platform that specialises in small business financing. It offers relatively high returns and extraordinary diligence and safety measures. Here we take a closer look at its unique business model.
Jan Bednorz   •   January 19th, 2021
Image of different P2P lending options
Peer to Peer Lending
How to Choose the Right P2P Lending Platform
There are dozens of P2P lending platforms out there. From large marketplaces offering a wide range of investments to niche, highly specialised firms; from well-established brands to ‘rising stars’ to (fortunately infrequent) scams. What is good?
Jan Bednorz   •   January 15th, 2021
Logo of p2p lending marketplace Lendermarket
Peer to Peer Lending
Lendermarket Review
Lendermarket is a brand-new platform, which gathers consumer loans from an international provider of digital financial services – Creditstar Group. Does it provide an edge over some more popular loan originator marketplaces? Lets see.
Jan Bednorz   •   January 2nd, 2021
Logo of p2p lending marketplace Robocash
Peer to Peer Lending
Robocash Review
Robocash is a relatively new Peer-to-Peer lending platform by the financially strong Robocash Group. This loan originator marketplace targets European investors with short-term consumer loans originating mainly from emerging Asian economies.
Jan Bednorz   •   December 19th, 2020
Image of a growing startup investment
Startup investing
The Best Startup Crowdfunding Investment Sites in Europe
There’s something special about investing in start-ups. Who doesn’t want to be that early investor, making a fortune as this garage-based company grows to become a globally known unicorn? Here are the best startup investment sites in Europe.
Jan Bednorz   •   December 11th, 2020
Image of the first modern crowdfunding project
Crowdfunding
The History of Crowdfunding
The history of crowdfunding goes back to 1200 when crowds financed shipping ventures, but the game changed with the internet. Crowdfunding as we know is a recent innovation but the history tells the story: Crowdfunding is here to stay.
Jan Bednorz   •   December 1st, 2020
Image of the search for the best real estate crowdfunding site in Europe
Real Estate Crowdfunding
The Best Real Estate Crowdfunding Sites in Europe
Real Estate Crowdfunding is a great new way to invest in commercial and residential real estate. It requires much less capital than buying a rental property, at the same time offering better diversification and less fuss with property management.
Jan Bednorz   •   November 19th, 2020
Image showing the real estate collateral risk barometer
Real Estate Crowdfunding
Understanding Collateral in Real Estate Crowdfunding
This article helps you understand real estate collateral. There is a difference between secured vs. unsecured loans. There’s also a degree of confusion: are unsecured loans really so scary? Are secured loans totally safe?
Jan Bednorz   •   November 3rd, 2020
Image showing the capital stack of real estate crowdfunding investments
Real Estate Crowdfunding
Investment Types in Real Estate Crowdfunding
In real estate crowdfunding there are different investment types largely changing the risk and return ratios of projects. In this article we go through the capital stack layers of securitization and the differences in syndicated and direct debt.
Jan Bednorz   •   October 21st, 2020
Image of the differences in real estate crowdfunding and individual rental properties
Real Estate Crowdfunding
Real Estate Crowdfunding vs. Rental Property Investing
Real Estate Crowdfunding vs. Rental Property investing. Should you manage your own properties by yourself or is it better to buy it with a crowd and have someone else managing it? In this article we evaluate the pros and cons of both sides.
Jan Bednorz   •   October 15th, 2020
Image of differences in real estate crowdfunding and REITs
Real Estate Crowdfunding
Real Estate Crowdfunding vs. REITs
Real Estate Crowdfunding vs. REITs. Is it better to buy a financial product such as a Real Estate Investment Trust or should you co-invest together with a crowd in real estate? We look into the main advantages and disadvantages of both investments.
Jan Bednorz   •   October 12th, 2020
Image of P2P Lending ETFs and Funds
Peer to Peer Lending
Are P2P Lending Funds and ETFs Worth the Investment?
P2P Lending ETFs and funds have been come more popular as the market gains traction. Is it worth investing in funds that use peer to peer lending or should you simply invest yourself? The answer is not as obvious as it might seem.
Jan Bednorz   •   September 29th, 2020
Image of Peer to Peer lending vs traditional bonds
Peer to Peer Lending
P2P Lending vs. Bonds: Which Is the Better Investment?
P2P Lending vs. Bonds. Should you invest in individual loans and basically create your own sort of bond or is it better to buy a bulk of loans through a traditional bond investment product? We look into the pros and cons of bonds and P2P Lending.
Jan Bednorz   •   September 22nd, 2020
Image of peer-to-peer lending vs. stocks
Peer to Peer Lending
P2P Lending vs. Stocks: What Should You Choose?
Peer-to-Peer Lending vs. Stocks. What is the difference and can it complement each other? P2P Lending provides a fixed steady cashflow while stocks provide capital gains. Is one better than the other and how is the risk compared? Find out here.
Jan Bednorz   •   September 20th, 2020
Image of the order crowdfunding associations create
Crowdfunding
Crowdfunding Associations: Who are they and what are they doing?
As workers join trade unions to increase their visibility, cooperation and bargaining power, Crowdfunding platforms team up in so-called trade associations (TAs, also known as industry trade groups, sector associations or industry bodies).
Jan Bednorz   •   September 8th, 2020
Image of litigation crowdfunding
Raising funds
Crowdfunding
What is Litigation Crowdfunding?
Not a long time ago, crowdfunding was a niche associated mostly with local charities or struggling rock bands. Today it is possible to crowdfund a court case through litigation crowdfunding. But how exactly does litigation crowdfunding work?
Jan Bednorz   •   September 2nd, 2020
Image displaying the creation of a crowdfunding website
Crowdfunding
Starting Your Own Crowdfunding Platform
Are you interested in starting your own crowdfunding platform? This article goes through all the most important factors and gives you a complete overview of what it takes to start your own crowdfunding website so you can help funding new projects.
Jan Bednorz   •   August 21st, 2020
Image displaying the history of Peer-to-Peer lending
Peer to Peer Lending
The History of P2P Lending
Online P2P lending began in 2005 with the launch of Zopa in the UK. Back then “shady”, or "niche" at best, was eagerly used words to describe the sector. Fifteen years on, people lend and borrow billions. Here is the history of P2P Lending.
Jan Bednorz   •   August 14th, 2020
Image of a man getting a P2P Business Loan in the UK
Raising funds
How to Get a P2P Loan for Your UK Business
How to get a loan for your UK business through peer-to-peer lending. P2P loans are a nice alternative to traditional bank lending with faster response time and potential ambassador building capabilities. Thorough guide on getting a P2P Loan in UK.
Jan Bednorz   •   July 28th, 2020