Informational

NFT's being used to borrow or lend against
Crypto Lending
NTF DeFi: Lending and Borrowing with NTF as Collateral
NFT Decentralized Finance (DeFi) Crypto lending explained. A new niche in the Peer-to-Peer lending industry has emerged. How can you borrow against your NFT's? And is it worth investing in loans with NFT's as collateral?
Eugene Ohotnikov   •   September 1st, 2021
Image of a fence protecting investor funds
Peer to Peer Lending
Real Estate Crowdfunding
Ring-Fence and Protection of Investor Funds
In the Crowdfunding context, a ring-fence is the act of segregating investor funds from assets of the platform. It serves the purpose of creating a barrier against any claims to a platform itself for the protection of investor funds.
Eugene Ohotnikov   •   July 18th, 2021
Crypto holder making a Peer to Peer governance decision on a protocol
Crypto Lending
Peer to Peer Governance in Crypto: How Public Digital Assets Make Decisions
Governance is something traditional peer-to-peer lenders don’t spend much time thinking about. And it makes sense why we don’t. After all, most of the platforms we use are private companies and have their own private decision-making processes.
Stu Lustman   •   July 7th, 2021
Logo of Defi Crypto Lending platform Aave
Crypto Lending
AAVE: Decentralized Crypto Lending at Its Best
AAVE is one of the biggest and most interesting DeFi lending apps in the Ethereum ecosystem. They started back in 2017 as ETHLend. Then rebranded in 2020 to AAVE. It’s a great place to lend your crypto and it is the most used DeFi lending platform.
Stu Lustman   •   June 21st, 2021
Image of Peer-to-Peer trading in action
Crypto Lending
Intro to P2P Trading: How to easily get the Crypto you need for Lending
The cryptoeconomy is in my opinion one of the best places to lend your money. You can earn a good return and add diversification to your loan portfolio. But how do you get the crypto to lend out? One option is P2P Crypto Trading.
Stu Lustman   •   June 2nd, 2021
Investing in real estate tokens
Real Estate Crowdfunding
Invest in Real Estate Tokens
Real estate tokenization provides both project owners and investors with much more flexibility, increases the liquidity of real estate properties, and thus helps earn a higher yield. But is it a good idea? And how can you do even do it?
Eugene Ohotnikov   •   June 2nd, 2021
Lending crypto on Binance with Binance Earn
Crypto Lending
How To Lend Your Crypto on Binance
When it comes to crypto lending, we’ve mentioned that the platforms fall into either the DeFi or CeFi categories. Both are full of opportunities to lend at a profit, and I am going to discuss a CeFi opportunity with Binance today.
Stu Lustman   •   May 2nd, 2021
The first EU crowdfunding regulation
Markets
How is Crowdfunding Regulated in the European Union?
The European Council has approved the uniform pan-European regulation for crowdfunding which was in the making for several years. The EU cross-border crowdfunding regulation is adopted and published in the Official Journal of the European Union.
Eugene Ohotnikov   •   April 19th, 2021
Funny image of a crypto liquidity pool
Crypto Lending
What Are Liquidity Pools?
Why, as a P2P Investor, do you need to know about Liquidity Pools? The fastest-growing area of lending, and P2P investment opportunities, is in DeFi. And the foundation of how we lend in DeFi is through liquidity pools.
Stu Lustman   •   April 19th, 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
Overview of earning interest with Stablecoins
Crypto Lending
How to Earn Interest on Stablecoins
Cryptocurrencies and decentralized finance, known as DeFi, are a new, intriguing investment option for p2p investors. Large volatility in crypto currencies is a dilemma for many lenders. Learn how to earn interest on Stablecoins in this article.
Stu Lustman   •   April 7th, 2021
Image displaying Decentralized Financing (DeFi) vs. Centralized Financing (CeFi)
Crypto Lending
CeFi vs DeFi: Which System is Better for Investing Your Money?
The most significant innovations in p2p lending and fixed income investing are happening in the cryptoeconomy. It is offered through two main types of platforms: Centralized Financing (CeFi) platforms or Decentralized Financing (DeFi) platforms.
Stu Lustman   •   March 21st, 2021
Image of person wondering if P2P Lending is safe?
Peer to Peer Lending
Is P2P Lending Safe? Peer-to-Peer Lending as an Investment
Like all investments, p2p lending carries some risk. And with that risk, a certain potential expected return. Every investment is somewhere on the risk/return scale. So where is p2p lending on the risk/return scale? Is P2P lending safe at all?
Stu Lustman   •   March 9th, 2021
How to earn interest from crypto lending
Crypto Lending
Crypto Lending: How to Earn Interest on your Cryptocurrency
Crypto P2P lending allows you to earn an interest on cryptocurreny and tokens. Compared to traditional p2p platforms you get the added benefits of digital, programmable money that are cryptos like Bitcoin or Ethereum. How do you do crypto lending?
Stu Lustman   •   February 19th, 2021
Image of the growth in real estate crowdfunding returns
Real Estate Crowdfunding
Real Estate Crowdfunding Returns - how much can you earn?
This article will show you six real estate crowdfunding return project characteristics and how much you can earn from real estate crowdfunding by taking you through the key findings of the most recent real estate crowdfunding returns study.
Adrian Lee   •   February 9th, 2021
Image of part ownership in Real Estate Crowdfunding
Real Estate Crowdfunding
Raising funds
The Ultimate Guide to Real Estate Crowdfunding: Everything You Need to Know
What are the benefits for real estate developers and investors? How does real estate crowdfunding work. Here is the ultimate guide about real estate crowdfunding for both beginners and experts!
Jonas Schmidt   •   February 8th, 2021
Image of a balance sheet lending book
Peer to Peer Lending
What is Balance Sheet Lending? How is it different from typical 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   •   February 2nd, 2021
Image of a secondary marketplace in P2P Lending
Peer to Peer Lending
What Are Secondary Markets in P2P Lending? Why Should You Use Them?
Secondary markets in peer-to-peer lending are marketplaces that allow you to buy and sell already funded loans after the repayment period has begun. Lenders use it to exit loans early. Investors use it to allocate or earn a return from re-selling.
Jonas Schmidt   •   February 2nd, 2021
Image of investor using p2p lending buyback guarantee
Peer to Peer Lending
What is Buyback Guarantee in P2P Lending?
In Peer-to-Peer lending, a buyback guarantee is a contract between the lender and the loan originator. Its purpose is to protect lenders against borrower defaults and reckless behavior. The loans is safety for investors, but does it work?
Jonas Schmidt   •   January 18th, 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
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 a paper p2p platform review
Peer to Peer Lending
Crypto Lending
Real Estate Crowdfunding
How We Review Platforms
On P2PMarketData we publish unbiased, trustworthy platform reviews. This means that the content of the review and the opinions expressed about the given platform are our own and not influenced by potential payment received from advertisers.
Jonas Schmidt   •   November 21st, 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 displaying peer to peer lending
Peer to Peer Lending
P2P Lending Explained: Business Models, Definitions & Statistics
Peer-to-Peer (P2P) lending is a type of debt-based crowdfunding facilitated by online P2P lending platforms that connect borrowers and lenders by circumventing conventional loan processes, requirements, and intermediaries.
Jonas Schmidt   •   October 17th, 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
Flag of Croatia and P2P Lending
Markets
Peer to Peer Lending
P2P Lending in Croatia
The Croatian Market for Crowdfunding and Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance (CCFA) on the global market of alternative finance and the Best P2P Lending Platforms in Croatia.
Jonas Schmidt   •   September 21st, 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
Cyprus peer-to-peer lending market and platforms
Markets
Peer to Peer Lending
P2P Lending in Cyprus
The Cypriot Market for Crowdfunding and P2P Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Cyprus had a total funding volume of €56.6 million in 2018, up from €10,000 in 2017.
Jonas Schmidt   •   August 23rd, 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
Poland Peer-to-Peer lending market and platforms
Markets
Peer to Peer Lending
P2P Lending in Poland
The Polish Market for Crowdfunding and P2P Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Poland had a total funding volume of €297.6 million in 2018, up from €158.3 million in 2017.
Jonas Schmidt   •   August 4th, 2020
Portugal peer-to-peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Portugal
The Portuguese Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Portugal had a total funding volume of €14.8 million in 2018, up from €8.3 million in 2017.
Jonas Schmidt   •   July 31st, 2020
Slovakia peer-to-peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Slovakia
The Slovak Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Slovakia had a total funding volume of €20.3 million in 2018, up from €10.2 million in 2017.
Jonas Schmidt   •   July 30th, 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
Image of p2p lending blogger investment portfolio
Peer to Peer Lending
Top 30 P2P Lending Portfolios
The biggest and best displayed P2P Lending & Crowd investment 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!
Martin Christensen   •   July 28th, 2020
Czechia Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in the Czech Republic
The Czech Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, the Czech Republic had a total funding volume of €51.5 million in 2018, up from €26.5 million in 2017.
Jonas Schmidt   •   July 15th, 2020
Bulgaria Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Bulgaria
The Bulgarian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Bulgaria had a total funding volume of €36.1 million in 2018, up from €10.7 million in 2017.
Jonas Schmidt   •   July 6th, 2020
image of a small provision fund
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
Image of a p2p lending scam
Peer to Peer Lending
Is P2P Lending a Scam? – How to Avoid Investing in a P2P Lending 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 fraudulent P2P lending platforms and equip you with the tools to avoid the next P2P Lending scam.
Jonas Schmidt   •   June 21st, 2020
Lithuania Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Lithuania
The Lithuanian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Lithuania had a total funding volume of €121.8 million in 2018, up from €61.3 million in 2017.
Jonas Schmidt   •   June 19th, 2020
Latvia Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Latvia
The Latvian Market for Crowdfunding and Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Estonia had a total funding volume of €227.3 million in 2018, up from €92.2 million in 2017.
Jonas Schmidt   •   June 14th, 2020
Estonian Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Estonia
The Estonian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Estonia had a total funding volume of €142.4 million in 2018, up from €81.2 million in 2017.
Jonas Schmidt   •   June 10th, 2020
Image of investments in startups with equity crowdfunding
Startup investing
Investing 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 specifically equity-based crowdfunding, it is now possible for everyone.
Jonas Schmidt   •   June 8th, 2020
Russian Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Russia
The Russian Market for Crowdfunding According to data from the latest report published in 2020 by the Cambridge Centre for Alternative Finance, Russia had a total funding volume of €105.6 million in 2018, up from €28.4 million in 2017.
Jonas Schmidt   •   June 7th, 2020
Belgium Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Belgium
The Belgian Market for Crowdfunding According to data from the latest report published in 2020 by the Cambridge Centre for Alternative Finance, Belgium had a total funding volume of €44.6 million in 2018.
Jonas Schmidt   •   May 29th, 2020
Austrian Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Austria
The Austrian Market for Crowdfunding According to data from the latest report by Cambridge Centre for Alternative Finance, Austria had a total funding volume of €35.1 million in 2018, up from €32.9 million in 2017.
Jonas Schmidt   •   May 26th, 2020
Spanish Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Spain
The Spanish Market for Crowdlending According to data from the latest report by Cambridge Centre for Alternative Finance, Spain had a total funding volume of €374.1 million in 2018, up from €160.5 million in 2017.
Jonas Schmidt   •   May 22nd, 2020
Italian Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Italy
The Italian Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Italy had a total funding volume of €475.5 million in 2018, up from €240.7 million in 2017.
Jonas Schmidt   •   May 21st, 2020
Image of the worldwide crowdfunding statistics
Peer to Peer Lending
Crowdfunding Statistics Worldwide: Market Development, Country Volumes, and Industry Trends
Table of Contents 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 varied situation.
Jonas Schmidt   •   May 16th, 2020
Danish Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Denmark
The Danish Market for Crowdlending According to data the Cambridge Centre for Alternative Finance, Denmark had a total alternative finance and crowdfunding funding volume of DKK 943.9m (€129.2m) in 2018.
Jonas Schmidt   •   May 3rd, 2020
Norwegian Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Norway
The Norwegian Market for Crowdlending In 2019, the total Norwegian market for crowdfunding reached a yearly funding volume of NOK 442 million (~€38.4 million). This corresponds to a yearly growth of 72.2%, up from NOK 256.7 million in 2018.
Jonas Schmidt   •   April 28th, 2020
Swedish Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Sweden
The Swedish Market for Crowdlending According to data from the latest report by Cambridge Centre for Alternative Finance, Sweden had a total funding volume of €266.1 million in 2018. In 2017, up from a total volume of €196,1 million in 2017.
Jonas Schmidt   •   April 26th, 2020
Image of an entrepreneur with a reward crowdfunding campaign
Crowdfunding
Raising funds
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 a business up and running. This is mostly done by pre-selling a product to fund the campaign.
Jonas Schmidt   •   April 20th, 2020
Finnish Peer-to-Peer lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Finland
The Finnish Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, Finland had a total funding volume of €196.76 million in 2017.
Jonas Schmidt   •   April 17th, 2020
Image of a donation crowdfunding campaign
Crowdfunding
Raising funds
Fundraising 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 create awareness about their organization. This article takes you through all aspects.
Jonas Schmidt   •   April 15th, 2020
Irish Peer-to-Peer Lending platforms and market
Markets
Peer to Peer Lending
P2P Lending in Ireland
The Irish Market for Peer-to-Peer Lending The first P2P lending platform in Ireland opened in 2013 (Linked Finance), so the P2P lending market in Ireland is still relatively young, but more platforms are opening on an ongoing basis.
Jonas Schmidt   •   April 10th, 2020
Dutch Peer-to-Peer lending platforms and markets
Markets
Peer to Peer Lending
P2P Lending in the Netherlands
The Dutch Market for Peer-to-Peer Lending According to data from the latest report by Cambridge Centre for Alternative Finance, the Netherlands had a total funding volume of €279.9 million in 2017.
Jonas Schmidt   •   April 9th, 2020
Swiss Peer-to-Peer lending platforms
Markets
Peer to Peer Lending
P2P Lending in Switzerland
In 2018, the total crowdfunding in Switzerland had a funding volume of 516 million CHF that was split between five different crowdfunding models. Equity crowdfunding, P2P lending, invoice trading, reward and donation-based crowdfunding.
Jonas Schmidt   •   April 7th, 2020
UK Peer-to-Peer Lending platforms
Markets
Peer to Peer Lending
P2P Lending in the United Kingdom
The UK Market for Peer-to-Peer Lending is, by far, the largest P2P lending market in the European region taking up a market share of astonishing 72.5%. The same is true when it comes to the overall category of crowdfunding (market share of 67.7%).
Jonas Schmidt   •   March 29th, 2020
French Peer-to-Peer lending platforms
Markets
Peer to Peer Lending
P2P Lending in France
The French Market for Peer-to-Peer Lending France has been the largest market for alternative finance in continental Europe since 2013. In the latest report from the Cambridge Centre for Alternative Finance, France had a volume of €661.3 million.
Jonas Schmidt   •   March 22nd, 2020
German Peer-to-Peer lending platforms
Markets
Peer to Peer Lending
P2P Lending in Germany
With a market share of 17.7%, Germany is the second-largest market for peer-to-peer (P2P) investing in Europe, surpassed only by France. P2P investing covers more than P2P Lending but it demonstrates the importance of P2P Lending in Germany.
Jonas Schmidt   •   March 21st, 2020
The best passive income ideas
Investing
Best 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 many and diverse. This article will give you ideas of different types of passive income.
Martin Christensen   •   March 17th, 2020
Lending that impacts societies
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
Funding by a crowd explanation
Crowdfunding
Raising funds
Crowdfunding Explained: The Ultimate Guide to 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
Students graduating with p2p loans
Peer to Peer Lending
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
Buying stocks in P2P Lending Platforms
Startup investing
Equity Investment in P2P Lending Platforms
The main reasons startups, such as many P2P lending platforms, sell ownership when seeking funding are to speedup growth and in this world it is natural for them to use equity crowdfunding platforms to finance themselves. Here is what you need to know.
Martin Christensen   •   August 19th, 2019
Guaranteeing investments with buyback and provision funds
Peer to Peer Lending
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 cashflow to lenders, here is an overview of all the available options out there.
Martin Christensen   •   August 8th, 2019
Peer-to-Peer Lending in China
Peer to Peer Lending
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 well. From being almost nonexistent in 2012, to becoming perhaps nonexistent.
Jonas Schmidt   •   July 13th, 2019
Chinese Crowdfunding platforms and development
Peer to Peer Lending
Crowdfunding in China: A Look at the World’s Largest Market
China is the world’s largest contributor when it comes to funds raised through crowdfunding. In China, crowdfunding as a source of finance has emerged quickly and evolved with incredible speed. However, only recently the sector has pressured.
Jonas Schmidt   •   July 12th, 2019
Trading an invoice
Peer to Peer Lending
Crowdfunding
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 to purchase invoices or receivable notes from a business at a discount.
Jonas Schmidt   •   July 1st, 2019
Statistics of Crowdfunding in Europe by Country
Crowdfunding
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 funding volume still originates from the UK followed by France, Germany and the Netherlands.
Jonas Schmidt   •   June 5th, 2019
Peer-to-Peer Business Lending Worldwide
Peer to Peer Lending
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 – typically a small or medium-sized enterprise.
Jonas Schmidt   •   May 25th, 2019
Lending Peer-to-Peer to a consumer borrower
Peer to Peer Lending
Consumer Crowdlending: From Niche to Mass Market
Consumer crowdlending or p2p consumer lending covers unsecured loans to private individuals funded by either individuals. The loans can have a high variety of possible uses, such as loans for cars, refinancing, travel, wedding, or student loans.
Jonas Schmidt   •   May 20th, 2019
How to earn passive income with P2P Lending
Peer to Peer Lending
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 Developers, Consumers and other alternative investments all over Europe.
Martin Christensen   •   April 6th, 2019
Peer-to-Peer Lending Skin in the Game
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
The different Peer-to-Peer Lending Business Models
Peer to Peer Lending
P2P Lenders be Aware: The Two P2P Lending Business Models
Have you also noticed there are different online lending models in the so-called P2P Lending market? This short article will take you through the differences in the two ways of lending money to strangers online and provide you with a useful guide.
Jonas Schmidt   •   March 20th, 2019
The key to diversification in Peer-to-Peer Lending
Peer to Peer Lending
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 manage risks resides in Peer-to-Peer Lending is very valid.
Jonas Schmidt   •   March 15th, 2019
The two different investment structures in Peer-to-Peer Lending
Peer to Peer Lending
P2P Lending: Indirect vs. Direct Investment Structure
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
A loan originator in Peer-to-Peer Lending
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