When I started investing in marketplace loans in 2013, it was still called peer to peer lending or p2p lending. There were also only 2 options. Professional and accredited investors have many more options for investment. Banks have gotten on board since then offering platforms of their own. For retail investors we now have more … Read moreWhich Type of Marketplace Lending Investor Are You? I’m #3
A Common Problem in Peer to Peer Lending Marketplace lenders provide a valuable service by filling in some of the gaps for good loans that banks and brick and mortar finance companies can’t or won’t do. They have a problem across the entire industry here in the US; Borrower Acquisition Costs. Since most of the … Read moreThe Formula for Reducing Borrower Acquisition Costs
The genius of p2p lending is taking advantage of a market of good quality borrowers that banks and other finance companies are avoiding, for whatever reason. And that model has been successful in Western/advanced economies like the US and the UK as well as China and the European Union. The model has shown it works … Read moreEmerging Market P2P Lender: i2iFunding Part 1
This week marks the 2 year anniversary for this blog and my idea of presenting how a Commercial Credit professional would look at and analyze peer loans as an investment. It’s been an amazing ride so far and more than 2000 of you follow me by subscribing and I couldn’t thank you enough. I have … Read moreWhat I Learned In 2 Years in P2PLending
BTCJam is both the largest and the most controversial of the BTC based lending platforms. Much of the controversy surrounds trust issues in the platform. Some of Jam’s shortcomings have led investors to believe that they care about posting loans and generating fees more than they care about protecting those that invest in loans on … Read moreBTCJam Tightens Up the Ship With 2 New Hires
I don’t often talk about borrowers although I’ve had a couple posts on the combination of investor and borrower benefits of peer lending. I have long advocated the community aspect of p2p lending as well as how we are helping a borrower while sticking it to some big institution (usually a high rate credit card … Read moreMeet The Borrowers: Nick uses Prosper
By far the most common question I get from readers as well as friends and family is ‘Are peer to peer loans safe?’ Here are 5 things to tell your grandma about how and why it is safe to invest in this new asset. #1 This is what banks used to do Lending people money … Read moreFive Ways To Tell Your Grandma that Peer to Peer Lending is Safe
by Jonathan Wilson, securities attorney at Taylor English Duma [Again, my comments will be in the braces otherwise this is all from our legal expert. None of this is personal legal advice but you should reach out to him or comment here if you have a question or need for Jonathan’s expertise. This post is … Read moreLegal Corner: The Legal Basis of How Prosper and P2P Lending Works
Since my focus here is on the 2 main US based ‘retail’ (meaning consumer based) lending platforms of Prosper and Lending Club, this can lead to the exclusion of other new and interesting platforms that also allow us to lend. Here are some other really interesting and kinda cool lending platforms available based on your … Read moreNew and Other Peer to Peer Lending Sites
Hello all, Stu here. I am very excited to announce that I have been in talks with some other leading authorities in our field here and am hoping to get some regular guest posting from 2 especially interesting guys. One of them is a leading securities attorney who has done a number of PPM (private … Read moreExciting Announcements