Frequently Asked Questions

How does P2PMarketData work?

P2PMarketData allows you to sort and filter hundreds of online private investment opportunities and online private investment platforms from all over the world. We gather as much information as possible about the platforms statistics and deals to release it for each issuer. Whenever you find a platform or deal that looks interesting, you can click through to the summary page, review the details, and if you'd like to learn more you can click over to the investment platform where the offering is listed. P2PMarketData also works with platforms on a deeper level to verify their statistics, so that you can compare standardized information.

What is the difference between P2PMarketData and investment websites?

P2PMarketData verifies statistics and aggregates investment opportunities in online private investment markets such as peer-to-peer lending, real estate crowdfunding, and startup investing. We help investors discover and compare investment opportunities from platforms like EstateGuru, CG24 Group, and Seedrs. We are not a crowdfunding platform ourselves. Simply put, we gather information on opportunities available, analyze the data, verify that it's accurate, and display it for investors to be able to better analyze and navigate the market.

How does P2PMarketData Verify Statistics?

P2PMarketData is providing the industry best practice standard for statistics transparency. We verify statistics by receiving the investment book with information deal by deal through an API integration or directly on the file. We receive information to do calculations on returns, volumes, durations, and other performance metrics, and any statistics visualized on P2PMarketData will be standardized and calculated by using best-practice calculation methods. We can not check if a platform is unfair in its business practices but we do sample testing to ensure best practices for reporting statistics. You will find a platform with Verified Statistics by the green checkmark  .

Why does P2PMarketData verify basic statistics?

A platform can collaborate with P2PMarketData to verify basic statistics and give investors increased transparency in the basic statistics such as investment volumes, number of projects, and general investment history based on standardized calculation methodology. At the same time, we are convinced that the ongoing calculation and verification of basic statistics by an impartial third party provides a layer of security for investors.

Why does P2PMarketData verify returns?

In addition to the basic statistics verification, a platform can provide us with transaction data on all historic investments in order to increase transparency into the historical performance of the investments (returns). We are convinced that having an impartial third party verify the returns of historic investments that are used to attract and retain investors, adds an extra layer of security and enables fact-based investment decisions for retail investors in the investment crowdfunding market. The transaction data is gathered through API integration, by CSV file, or direct read-only database access. This can still be manipulated by platforms with strong desires to do so, but we do sample testing to ensure best practices for reporting performance data to P2PMarketData and continuously work with the platforms to display accurate figures so investors can make trustworthy informed investment decisions. You will find a platform with Verified Returns by the golden ROI shield  . NOTE: We are looking for many more platforms willing to share transaction data to harmonize and standardize the displayed returns in the market. You can help us and the market improve transparency, by asking your favorite platform to share transaction data of their investments with a 3rd party like P2PMarketData.

I am new to private online investment markets, where do I start?

We welcome you to the world of online private investments! If you are interested in investing in companies and private individuals raising funds directly, you can invest in them through one of the many platforms. When you find a platform or investment opportunity you like and you want to research if it is the right investment for you, we make the process easier by aggregating most platforms and many of the opportunities available with general data and statistics to compare. We do our best to keep the data up-to-date but keep in mind that as a third party, it might be outdated once we receive it at P2PMarketData and you should not consider it investment advice. Private markets are high-risk investments and you are unlikely to be protected if something goes wrong.

How do I get a return on my investment?

In the world of online private markets investment opportunities and platforms can provide you a return in many different ways depending on the asset. Each individual investment deal at any online investment platform should state in the project details how you can get a return. For the majority of industries, there are common traits:

• Peer-to-Peer Lending
  • The borrower repays the loan.
• Real Estate Crowdfunding
  • The real estate company repays the loan (debt).
  • The real estate is sold and you receive capital gains (equity).
  • The real estate is rented and you receive rental income (equity).
• Startup Investing
  • The company gets acquired by another company.
  • The company goes public.
• Collectibles
  • The collectible asset is sold to someone else.
• Crypto
  • The crypto asset is sold to someone else.

Who can invest?

Anyone can invest. However, certain investment platforms are restricting access to investors inside the geographic location of the platform or only facilitate investment deals limited to “accredited investors”. Accredited investors are defined by national regulations and requirements to obtain the status vary from country to country.

• Qualify as an accredited investor in the United States:
  • Your individual or joint net worth exceeds $1 million (excluding your primary residence).
  • Your income exceeds $200,000 in each of the past 2 years and you expect the same this year.
• Qualify as an accredited investor (HNWI/sophisticated investor) in the United Kingdom:
  • Your income exceeds £100,000 or have at least £250,000 in assets.
• Qualify as an accredited investor in Canada:
  • Your individual or joint net worth exceeds $1 million in financial assets or,
  • your individual or joint net worth exceeds $5 million or,
  • your individual income exceeds $200,000 ($300,000 together with a spouse) in each of the past 2 years and you expect the same this year.
• Qualify as an accredited investor (Professional client) in the EU & Norway:
  • Qualitative test: The firm undertakes an adequate assessment of your expertise, experience, and knowledge that gives reasonable assurance that you are capable of making your own investment decisions.
  • Quantitative test: You meet at least two of the following:
    1. You have carried out transactions of significant size on the relevant market at an average frequency of 10 per quarter over the previous four quarters.
    2. You have a financial portfolio exceeding EUR 500,000.
    3. You work or have worked in the financial sector for at least one year.
  • You must state in writing that you wish to be treated as a professional client and the firm must give a clear warning of the protections that you may lose your investment.

Does it cost anything to invest?

A variety of business models and methods are used by investment platforms to make money. Some only charge fees from fundraisers but it depends on the investment platform you use and the asset class you invest in. You may be required to pay fees on your investment or on your investment account. Here are the different types of fees that may incur when investing in online private markets:

• Processing fees
• Transaction fees
• Withdrawal fees
• Currency exchange fees
• Secondary market fees
• Inactivity fees

What are the risks of investing in online private investment markets?

There are different types of risk associated with each type of investment, here are some of the main risks in different industries of private online investment markets:

• Common risks for all
  • Platform risk: the platform might become insolvent.
  • Liquidity risk: it may be difficult to sell your investment, if possible at all.
  • Market risk: economic conditions and market trends may impact your investment.
  • Transparency risk: the knowledge of risks at a particular point in time might not be presented to you.
  • Fraud risk: an internal or external person might commit fraudulent actions.
  • Regulatory risk: the regulations or tax laws might change and impact your investment negatively.
  • Inflation risk: the rate of inflation can undermine the real value of cash flows made from an investment
  • Currency risk: if investing in foreign currency, exchange rates might change.
  • Cash drag risk: if the deal flow is low, you might have cash holdings.
  • Financing risk: if the deal requires further financing, it might be unable to obtain it.
• Startup Investing
  • Business risk: the business might make inadequate profits due to uncertainties or become insolvent.
  • Instrument risk: there are different risks associated with preferred equity, common equity, and convertible notes.
  • Dilution risk: the percentage ownership might decrease with new fundraising rounds.
  • Minority risk: you might be treated less favorably than larger investors.
• Real Estate Crowdfunding
  • Location risk: local factors such as new development, zoning changes, or changes in the local economy might decrease the value.
  • Management risk: property management might cause decreased property value.
  • Vacancy risk: the real estate might become vacant for an unexpected period of time.
  • Tenant risk: the tenant might stop paying rent.
  • Development risk: the construction might be delayed, incur higher costs, reveal defects after completion, or approvals might not be granted.
• Collectibles Investing
  • Authenticity risk: the collectible might be counterfeit or fake.
  • Storage risk: the storage facility might not handle the collectible carefully.
  • Maintenance risk: the collectible might not be maintained to preserve value.
  • Grading risk: the collectible might be over or under-graded
  • Insurance risk: the insurance can be difficult to obtain on rare objects.
• Peer-to-Peer Lending
  • Credit risk: the borrower may not pay the loan.

Can I cancel my investment and receive a refund?

It is usually not possible to cancel your investment and receive a refund, but in some cases, you can sell the investment on a secondary marketplace or sell it back to the platform. Most investments in private online markets are illiquid assets that can not be sold or canceled. For loans, there is a repayment schedule and last date of payment, whereas for stocks it usually depends on whether the company is sold or goes to the public markets.

Is P2PMarketData licensed or regulated?

As a data-driven aggregation and analytics website business, P2PMarketData is not regulated by the Danish Financial Supervisory Authority (DFSA). To find out more about our legal and privacy terms, please read our terms and conditions.

Can I make suggestions on changing information about a platform or investment deal?

Yes, please! You are more than welcome to help us stay up to date with any sort of information about the many platforms and investment opportunities. Your feedback and suggestions are valuable to us and your fellow investors. Feel free to contact our customer support by filling out the form here: Contact Support and it will be forwarded for review.

How do I get the P2PMarketData newsletter?

You can sign up for the P2PMarketData newsletter in the footer throughout the site and in the Investor Dashboard. Register now or login here.

How do I reset my password?

You can reset your password here and in the Investor Dashboard under “My Profile”.