Peer to Peer Lending

Peer-to-Peer (P2P) lending enables borrowing and lending money online directly between individuals and businesses without having to use a financial institution as middleman. Here you will find interviews with key players in the industry, reviews of platforms and general information about P2P Lending.

Picture of Viktorija Vanagė as CEO of Profitus
Peer to Peer Lending
Real Estate Crowdfunding
Interview with Profitus CEO - Viktorija 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
Image of Celsius versus Nexo
Crypto Lending
Peer to Peer Lending
Nexo vs Celsius: A Comparison of Crypto Lending Platforms
Cryptocurrency lending is a great opportunity for p2p lenders. It’s also potentially confusing. Here is a comprehensive comparison of the best and worst features of the two largest cryptocurrency lending platforms: Nexo and Celsius.
Stu Lustman   •   August 1st, 2021
Logo Symbol of Crypto Lender Celsius
Crypto Lending
Peer to Peer Lending
Celsius Review
Celsius provides liquidity pool style investing so your funds go into the pool and they are loaned out to others. Celsius offers fixed-rate savings accounts in a regulated cryptocurrency business. Let’s take a look at the services Celsius offers.
Stu Lustman   •   July 31st, 2021
Logo Symbol of Crypto Lender Nexo
Crypto Lending
Peer to Peer Lending
Nexo Review
Nexo offers fixed-rate savings accounts in an EU-regulated cryptocurrency business. Nexo loans your money like a bank does. Nexo puts your funds into a liquidity pool and loans it out to the borrowers. Let’s take a look at the services Nexo offers.
Stu Lustman   •   July 27th, 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
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
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
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
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
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
Picture of Koen The, the CEO of Lendahand
Peer to Peer Lending
Interview with Lendahand CEO – Koen The
In this interview, we talk with Lendahand CEO Keon The about why he decided to leave the traditional banking world to start the social impact lending company Lendahand, how investing on Lendahand works and much more.
Martin Christensen   •   May 8th, 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
Picture of Yonko Chuklev the COO of Afranga
Peer to Peer Lending
Interview til Afranga 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
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
Picture of Jänis Kulikovskis the CEO of DoFinance
Peer to Peer Lending
Interview with DoFinance CEO – Jänis Kulikovskis
DoFinance is in the middle of restructuring their platform in the wake of problems induced by the Covid-19 pandemic. The CEO and Co-Founder Jänis Kulikovskis’ asked for an interview to try and explain the issues they are facing.
Jonas Schmidt   •   April 12th, 2021
Logo of Crypto Lending platform BlockFi
Crypto Lending
Peer to Peer Lending
BlockFi Review
BlockFi is one of the first crypto lending platforms to offer fixed rate savings accounts in a US regulated cryptocurrency business. Let’s deep-dive into the Crypto P2P Lending Platform BlockFi from an investors point of view.
Stu Lustman   •   April 6th, 2021
Picture of Narinder Khattoare
Peer to Peer Lending
Interview with Kuflink CEO – Narinder Khattoare
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
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
Picture of Anastasija Oļeiņika
Peer to Peer Lending
Interview with TWINO CEO – Anastasija Oļeiņika
In this interview, you can learn more about the TWINO company ownership structure, how TWINO is trying to mitigate investor risk, and essentials about investing on TWINO, explained directly by CEO Anastasija Oļeiņika.
Jonas Schmidt   •   March 11th, 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
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
Picture of Martins Sulte the CEO of Mintos
Peer to Peer Lending
Interview with Mintos CEO – Martins Sulte
In this interview, we ask CEO Martins Sulte how Mintos is handling the Covid-19 pandemic, what Mintos does to minimise the investors’ risk, his views on the alternative investment industry, and much more. Learn about Mintos directly from the CEO.
Martin Christensen   •   March 2nd, 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
Picture of Kimmo Rytkönen the CEO of Income Marketplace
Peer to Peer Lending
Interview with Income Marketplace 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
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
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
Logo of Crypto Lending platform MyConstant
Crypto Lending
Peer to Peer Lending
MyConstant Review
MyConstant is a crypto lending platform that allows you to lend in various cryptocurrencies from Bitcoin to stablecoins or fiat. You can earn returns using the liquidity pool with instant withdrawal or the flexible p2p crypto lending option.
Stu Lustman   •   January 29th, 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
Picture of Gustas Germanavicius the Co-Founder of EvoEstate
Peer to Peer Lending
EvoEstate Interview with Co-founder Gustas Germanavicius
In this article, we talk with Gustas Germanavičius, Co-founder of EvoEstate, about his views on the real estate crowdfunding industry, what you can expect as an investor, and what the future brings for this real estate crowdfunding aggregator.
Jonas Schmidt   •   January 20th, 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 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
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
Picture of Ivaylo Ivanov the CEO of IUVO Group
Peer to Peer Lending
Interview with Ivaylo Ivanov – CEO of IUVO Group
In this article, we talk with Ivaylo Ivanov, CEO of Iuvo Group, about his views on the crowdfunding industry, what you can expect as an investor on Iuvo Group, and what the future will bring for the Estonian-based marketplace lender.
Martin Christensen   •   December 22nd, 2020
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 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 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 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
Logo of real estate crowdfunding platform LendSecured
Peer to Peer Lending
Real Estate Crowdfunding
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%.
Martin Christensen   •   September 18th, 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 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
Logo of real estate crowdfunding platform CrowdProperty
Peer to Peer Lending
Real Estate Crowdfunding
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.
Martin Christensen   •   August 6th, 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 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
Logo of the p2p lending marketplace Nibble Finance
Peer to Peer Lending
Nibble Finance Review
Nibble is a peer-to-peer lending platform that offers investors the opportunity to invest in short term loans ranging from as little as 10 EUR. Although Nibble is a new platform in the market, the owner IT Smart Finance was founded in 2014.
Martin Christensen   •   July 8th, 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
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
Logo of the Real Estate crowdfunding site Loanpad
Peer to Peer Lending
Real Estate Crowdfunding
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 are in GBP.
Martin Christensen   •   May 26th, 2020
Logo of peer-to-peer student lending site Lendwise
Peer to Peer Lending
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.
Martin Christensen   •   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
Logo of real estate lending site Housers
Peer to Peer Lending
Real Estate Crowdfunding
Housers Review
Housers is a marketplace for peer-to-peer lending that allows users to invest in real estate backed loans. The platform was the first of its kind in Spain and is now covering real estate lending in most of Southern Europe.
Martin Christensen   •   May 21st, 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
Logo of Peer-to-Peer Property lending platform Assetz Capital
Peer to Peer Lending
Real Estate Crowdfunding
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. Assetz offers IFISA and quick access to funds.
Martin Christensen   •   May 21st, 2020
Logo of peer-to-peer real estate lending site Crowdestate
Peer to Peer Lending
Real Estate Crowdfunding
Crowdestate Review
Crowdestate is a real estate crowdfunding marketplace for direct peer-to-peer lending founded in Estonia in 2014. The platform offers pre-vetted loan investment opportunities within the area of real estate, business and mortgage lending.
Martin Christensen   •   May 19th, 2020
Logo of Peer-to-Peer property lending site Bulkestate
Peer to Peer Lending
Real Estate Crowdfunding
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.
Martin Christensen   •   May 18th, 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
Logo of social peer-to-peer lending site Lendahand
Peer to Peer Lending
Lendahand Review
Lendahand is a social impact lending platform for individual lenders who want to support and invest in SMEs and entrepreneurs in developing economies. The purpose of Lendahand is to enable ordinary people to lend money as cheap as possible.
Martin Christensen   •   May 15th, 2020
Logo of the peer-to-peer marketplace Bondster
Peer to Peer Lending
Bondster Review
Bondster is a marketplace for peer-to-peer lending that offers investments in loans from various called loan originators, which are non-bank financial institutions. Most loans are secured by by real estate or buyback guarantee.
Martin Christensen   •   May 14th, 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
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
Logo of Real Estate Crowdfunding website Reinvest24
Peer to Peer Lending
Real Estate Crowdfunding
Reinvest24 Review
Reinvest24 is a real estate investment platform that allows users to invest in property in the capital of Estonia, Tallinn, and Latvia’s capital, Riga. Tt is possible to invest in both residential and commercial property through the crowdfunding platform.
Martin Christensen   •   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
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
Peer-to-Peer Lending Due Diligence
Peer to Peer Lending
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.
Guest Contributor   •   February 17th, 2020
Cyber security in peer-to-peer lending
Peer to Peer Lending
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 overview of the risks involved and check if the platform is trustworthy.
Guest Contributor   •   October 14th, 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
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
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