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# P2P-Banking

P2P Lending Marketplace News and Reviews

## Posts

- [International P2P Lending Volumes July 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-july-2026/) - International p2p lending volumes for many p2p platforms in July 2026. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [Mintos significantly expands ETF offer. Zero transaction or custody fees on over 1000 single ETFs](https://www.p2p-banking.com/countries/baltic-mintos-significantly-expands-etf-offer-zero-transaction-or-custody-fees-on-over-1000-single-etfs/) - Mintos adds 1000 ETFs availbale for investment at zero transaction and custody fees.
- [International P2P Lending Volumes June 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-june-2026/) - International p2p lending volumes for many p2p platforms in June 2026. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [International P2P Lending Volumes May 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-may-2026/) - International p2p lending volumes for many p2p platforms in May 2026. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [International P2P Lending Volumes April 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-april-2026/) - International p2p lending volumes for many p2p platforms in April 2026. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [International P2P Lending Volumes March 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-march-2026/) - International p2p lending volumes for many p2p platforms in March 2026. Mintos leads ahead of Bondora and Robocash. View full table statistics.
- [International P2P Lending Volumes February 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-february-2026/) - International p2p lending volumes for many p2p platforms in February 2026. Mintos leads ahead of Bondora and Robocash. View full table statistics.
- [International P2P Lending Volumes January 2026](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-january-2026/) - International p2p lending volumes for many p2p platforms in January 2026. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [My Inrento Results After 2 Years of Lending](https://www.p2p-banking.com/countries/baltic-my-inrento-results-after-2-years-of-lending/) - Read about my exeriences with investing in Inrento property loans during the last 2 years. What yield was achieved. What are the pros and cons?
- [International P2P Lending Volumes December 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-december-2025/) - International p2p lending volumes for many p2p platforms in December 2025. Mintos leads ahead of Bondora and Swaper. View full table statistics.
- [International P2P Lending Volumes November 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-november-2025/) - International p2p lending volumes for many p2p platforms in November 2025. Mintos leads ahead of Bondora and Swaper. View full table statistics.
- [International P2P Lending Volumes October 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-october-2025/) - International p2p lending volumes for many p2p platforms in October 2025. Mintos leads ahead of Bondora and Swaper. View full table statistics.
- [Debitum Investment Launches Loyalty Program](https://www.p2p-banking.com/countries/baltic-debitum-investment-launches-loyalty-program/) - Debitum Investments offers extra interest with loyalty program. What are the requirements?
- [International P2P Lending Volumes September 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-september-2025/) - International p2p lending volumes for large p2p platforms in September 2025. Mintos leads ahead of Bondora and Swaper. View full table statistics.
- [Ventus Energy Celebrates 1st Birthday with Huge Cashback Bonus Offer](https://www.p2p-banking.com/countries/baltic-ventus-energy-celebrates-1st-birthday-with-huge-cashback-bonus-offer/) - Ventus energy offers 7-8% cashback for new investments in 16% interest loans. Learn more
- [International P2P Lending Volumes August 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-august-2025/) - International p2p lending volumes for large p2p platforms in August2025. Mintos leads ahead of Bondora and Loanch. View full table statistics.
- [International P2P Lending Volumes July 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-july-2025/) - International p2p lending volumes for large p2p platforms in July 2025. Mintos leads ahead of Bondora and Esketit. View full table statistics.
- [Mintos Offers Big Cashbak Bonus for New Investors - is now a Good Time to Join?](https://www.p2p-banking.com/uncategorized-mintos-offers-big-cashbak-bonus-for-new-investors-is-now-a-good-time-to-join/) - With the right promo code new Mintos investors can now get up to 500 Euro cashback. Get step by step instructions how to qualify
- [International P2P Lending Volumes June 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-june-2025/) - International p2p lending volumes for large p2p platforms in June 2025. Mintos leads ahead of Bondora and Esketit. View full table statistics.
- [International P2P Lending Volumes May 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-may-2025/) - International p2p lending volumes for large p2p platforms in May 2025. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [Bondora has Submitted Bank License Application](https://www.p2p-banking.com/countries/baltic-bondora-has-submitted-bank-license-application/) - Estonian P2P Lending Platform Bondora* has submitted an application for a bank license in Estonia (source; paywall). Pärtel Tomberg, Bondora CEO is cited saying 'This is a significant step and the beginning of a new phase.'. He expects teh FSA to grant the banking license in 2026. According to earlier media reports Bondora selected Tuum
- [International P2P Lending Volumes April 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-april-2025/) - International p2p lending volumes for large p2p platforms in April 2025. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [International P2P Lending Volumes March 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-march-2025/) - International p2p lending volumes for large p2p platforms in March 2025. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [Devon Review - New Property Platform with Daily Interest Payout](https://www.p2p-banking.com/countries/baltic-devon-review-new-property-platform-with-daily-interest-payout/) - New property platform Devon pays high daily interest - sign up with cashback bonus now
- [International P2P Lending Volumes February 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-february-2025/) - International p2p lending volumes for large p2p services in February 2025. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [International P2P Lending Volumes January 2025](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-january-2025/) - International p2p lending volumes for large p2p services in January 2025. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [Bondora Announced New Lower Go&Grow Interest Rate](https://www.p2p-banking.com/countries/baltic-bondora-announced-new-lower-gogrow-interest-rate/) - Bondora announced today that the interest rate for the Go&Grow offer for investors will be lowered from 6.75% to 6% effective April, 1st. Since the introduction of the Go&Grow product in 2017 the rate had been stable at 6.75% but in the last years there had been limitations on the maximum new amount that could
- [International P2P Lending Volumes December 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-december-2024/) - International p2p lending volumes for large p2p services in December 2024. Mintos leads ahead of Esketit and Bondora. View full table statistics.
- [International P2P Lending Volumes November 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-november-2024/) - International p2p lending volumes for large p2p services in November 2024. Mintos leads ahead of Peerberry and Esketit. View full table statistics.
- [International P2P Lending Volumes October 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-october-2024/) - International p2p lending volumes for large p2p services in October 2024. Mintos leads ahead of Peerberry and Esketit. View full table statistics.
- [International P2P Lending Volumes September 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-september-2024/) - International p2p lending volumes for large p2p services in September 2024. Mintos leads ahead of Peerberry and Esketit. View full table statistics.
- [International P2P Lending Volumes August 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-july-2024-2/) - International p2p lending volumes for large p2p services in August 2024. Mintos leads ahead of Peerberry and Esketit. View full table statistics.
- [International P2P Lending Volumes July 2024](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-july-2024/) - International p2p lending volumes for large p2p services in July 2024. Mintos leads ahead of Peerberry and Esketit. View full table statistics.
- [International P2P Lending Volumes June 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2024/) - International p2p lending volumes for large p2p services in June 2024. Mintos leads ahead of Peerberry and Esketit. View full table.
- [Indemo Invest - First Experiences and an Attractive Cashback Bonus Offer](https://www.p2p-banking.com/countries/baltic-indemo-invest-first-experiences-and-an-attractive-cashback-bonus-offer/) - How to use the Indemo code "CASHBACK" at registration to gain advantages
- [International P2P Lending Volumes May 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2024/) - International p2p lending volumes for large p2p platforms in May 2024. Mintos leads ahead of Peerberry and Esketit. View full table.
- [International P2P Lending Volumes April 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2024/) - International p2p lending volumes for large p2p platforms in April 2024. Mintos leads ahead of Peerberry and Esketit. View full table.
- [Passive Real Estate Investing on Mintos? What is the New Product Worth? First Impressions and Comparison](https://www.p2p-banking.com/countries/austria-mintos-passive-real-estate-investing/) - What is the new passive real estate investing offer by Mintos? A first look and comparison.
- [International P2P Lending Volumes March 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2024/) - International p2p lending volumes for large p2p platforms in March 2024. Mintos leads ahead of Peerberry and Robocash.
- [International P2P Lending Volumes February 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2024-2/) - International p2p lending volumes for major p2p marketplaces in February 2024. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes January 2024](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2024/) - International p2p lending volumes for major p2p platforms in January 2024. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes December 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2023/) - International p2p lending volumes for major p2p platforms in December 2023. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes November 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2023/) - International p2p lending volumes for major p2p services in November 2023. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes October 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2023/) - International p2p lending volumes for major p2p services in October 2023. Mintos leads ahead of Peerberry and Esketit.
- [Paradoxon: Why I Select Non Performing Loans to Invest Into at Indemo](https://www.p2p-banking.com/countries/baltic-paradoxon-why-i-select-non-performing-loans-to-invest-into-at-indemo/) - If you read any other article on the this blog typically one aspect is how to gauge the risk, that the loans I invest into will default and how to minimize this risk by diversification or other measures. Today I will write about a new platform, where I specifically target non-performing mortgage loans in Spain
- [International P2P Lending Volumes September 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2023/) - International p2p lending volumes for major platforms in September 2023. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes August 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2023/) - International p2p lending volumes for major platforms in August 2023. Mintos leads ahead of Peerberry and Robocash.
- [International P2P Lending Volumes July 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2023/) - International p2p lending volumes for major platforms in July 2023. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes June 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2023/) - International p2p lending volumes for major marketplaces in June 2023. Mintos leads ahead of Peerberry and Esketit.
- [International P2P Lending Volumes May 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2023/) - International p2p lending volumes for major platforms in May 2023. Mintos leads ahead of Peerberry and Esketit.
- [Will We Soon Buy Our ETFs at Mintos?](https://www.p2p-banking.com/countries/baltic-will-we-soon-buy-our-etfs-at-mintos/) - Mintos will add ETFs and bonds to its product offering later this year
- [Impressions From the Finfellas Riga Conference](https://www.p2p-banking.com/countries/baltic-impressions-from-the-finfellas-riga-conference/) - From June 1st till June 2nd the p2p lending industry met at the Finfellas Riga 2023 conference. See some impressions.
- [Estateguru Receives ECSPR License for All EU Member States](https://www.p2p-banking.com/countries/baltic-estateguru-receives-ecspr-license-for-all-eu-member-states/) - Estateguru a marketplace for property backed loans receives ecspr crowdfunding license
- [International P2P Lending Volumes April 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2023/) - Table listing the p2p lending volumes for April 2023. Mintos leads ahead of Peerberry and Esketit
- [International P2P Lending Volumes March 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2023/) - Statistic listing the p2p lending volumes for March 2023. Mintos leads ahead of Peerberry and Bondora
- [International P2P Lending Volumes February 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2023/) - Table showing the p2p lending volumes for February 2023. Mintos leads ahead of Peerberry and Bondora
- [Heavyfinance Farm Loans Pay Proceeds from Carbon Credits Sales Instead of Interest](https://www.p2p-banking.com/countries/baltic-heavyfinance-farm-loans-pay-proceeds-from-carbon-credits-sales-instead-of-interest/) - Heavyfinance green loans pay proceeds of carbon credit sales instead of interest. Investors may profit from high yields while supporting climate friendly farming
- [International P2P Lending Volumes January 2023](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2023/) - P2P Lending Statistics. Which platform attracted the biggest investments in January 2022? Check the volumes of the major services ↗️
- [Bondora Sole Focus Now on Go&Grow Product](https://www.p2p-banking.com/countries/baltic-bondora-sole-focus-now-on-go-grow-product/) - Bondora will focus on Go&Grow product. Other variants Portfolio Pro and Portfolio Manager will be discontinued. Secondary market will continue to operate.
- [International P2P Lending Volumes December 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2022/) - P2P Lending Statistics. Which platform attracted the biggest investments in November 2022? Check the volumes of the major services ↗️
- [International P2P Lending Volumes November 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2022/) - P2P Lending Statistics. Which platform grew the most in November 2022? Check it out ↗️
- [International P2P Lending Volumes October 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2022/) - Which international p2p lending platform financed the largest p2p lending volumes in October 2022. Check the statistics
- [FintechNorth](https://www.p2p-banking.com/countries/uk-fintechnorth/) - My Recap of Fintech North, Leeds, April 27th, 2016
- [Lower Withholding Taxes for Foreign P2P Investors on Latvian Platforms Effective from Nov. 14th](https://www.p2p-banking.com/countries/baltic-lower-withholding-taxes-for-foreign-p2p-investors-on-latvian-platforms-effective-from-nov-14th/) - Lower withholding taxes on Latvian platforms from November 14th due to new law.
- [State of the Swiss Market](https://www.p2p-banking.com/countries/switzerland-state-of-the-swiss-market/) - State of the Swiss p2p lending market in 2022. New study looks at platforms, volumes, returns and major drivers in developments
- [Interview with Ricardas Vandzinskas, CEO of Hive5](https://www.p2p-banking.com/countries/poland-interview-with-ricardas-vandzinskas-ceo-of-hive5/) - Ričardas Vandzinskas talks about the features and plans of Hive5, a newly launched p2p lending platform
- [International P2P Lending Volumes September 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2022/) - Which international p2p lending platform funded the largest p2p lending volumes in September 2022. Check the statistics
- [International P2P Lending Volumes August 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2022/) - Which international p2p lending service originated the largest p2p lending volumes in August 2022. Check the statistics
- [Interview with Boyan Kazandzhiev, Head of Operations of Iuvo Group](https://www.p2p-banking.com/countries/bulgaria-interview-with-boyan-kazandzhiev-head-of-operations-of-iuvo-group/) - Interview with Iuvo, covering the iuvoSave offer, the new management, the move from Estonia to Bulgaria, the market situation and an outlook
- [Bondora Announces Changes for Go&Grow Product for New Customers](https://www.p2p-banking.com/countries/baltic-bondora-announces-changes-for-gogrow-product-for-new-customers/) - Bondora changes available Go&Grow product options for new customers joining from August 24th, 2022
- [Caribbean Carilend's Choice of P2P Lending Software](https://www.p2p-banking.com/technology-caribbean-carilends-choice-of-p2p-lending-software/) - Carilend uses Madiston software to run p2p lending platform in the Caribbean
- [International P2P Lending Volumes July 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2022-2/) - Which international p2p lending service originated the largest p2p lending volumes in July 2022. Check the statistics
- [Ablrate Announces Voluntary Wind Down](https://www.p2p-banking.com/countries/uk-ablrate-announces-voluntary-wind-down/) - Today Ablrate announced it will voluntary wind down operations. Existing loans will continue to be served, but no new loans will be funded. Ablrate, which launched in 2014, had funded 68 million GBP in business loans over the course of the 8 years. Reasons for the decision given by Ablrate are 'The decision has not
- [International P2P Lending Volumes June 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2022/) - Which p2p lending service originated the largest loan volume in June 2022. Check the statistics
- [International P2P Lending Volumes May 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2022/) - Which p2p lending marketplace originated most loans in May 2022. Check the statistics
- [International P2P Lending Volumes April 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2022/) - P2P Lending volumes in Europe in April 2022. Mintos ahead of Peerberry and Lendermarket
- [First Mintos Notes Are Live - A First Look](https://www.p2p-banking.com/countries/baltic-first-mintos-notes-are-live-a-first-look/) - First look at the new Mintos notes product - possible consequences for the marketplace
- [New Mintos Notes Product Will Launch on May 25th](https://www.p2p-banking.com/uncategorized-new-mintos-notes-product-will-launch-on-may-25th/) - Mintos will launch the long awaited new notes product on May 25th. The current product will not be offered anymore from July 1st onwards
- [International P2P Lending Volumes March 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2022/) - Which plattform originated the largest volumen of p2p lending investments in March? Table with statistics
- [International P2P Lending Volumes February 2022](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2022/) - Which p2p lending services in Europe had the highest loan volume in January 2022
- [International P2P Lending Volumes January 2022](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-january-2022/) - Which p2p lending marketplaces in Europe had the highest loan volume in January 2022
- [International P2P Lending Volumes December 2021](https://www.p2p-banking.com/countries/uk-international-p2p-lending-volumes-december-2021/) - Comparison of international loan originations by major p2p lending marketplaces in December 2021.
- [Zopa Ends P2P, Buys back P2P Loan Portfolio](https://www.p2p-banking.com/countries/uk-zopa-ends-p2p-buys-back-p2p-loan-portfolio/) - Zopa will close the platform for retail investor and buy back the outstanding loan portfolio in January 2022.
- [International P2P Lending Volumes November 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2021/) - Comparison of international loan originations by major p2p lending marketplaces in November 2021.
- [International P2P Lending Volumes October 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2021/) - Which p2p lending platforms originated the highest loan volume in October 2021? See volumes of largest international p2p lending platforms.
- [International P2P Lending Volumes September 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2021/) - Which p2p lending marketplace originated the highest loan volume in September 2021? See volumes of largest international p2p lending platforms.
- [Landex - Easily Invest in European Farmland and Forestland](https://www.p2p-banking.com/countries/baltic-landex-easily-invest-in-european-farmland-and-forestland/) - Invest via app in European land (farmland and forestland) starting with as little as 10€. Diversify in this solid asset class and earn interesting yields
- [International P2P Lending Volumes August 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2022/) - Which p2p lending marketplace originated the highest loan volume in August 2021? See volumes of select international p2p lending companies.
- [Estateguru raises 5.8M EUR Series A Funding](https://www.p2p-banking.com/countries/baltic-estateguru-raises-5-8m-eur-series-a-funding/) - Estateguru completes 5.8M EUR Series A Funding Round from TMT Investments and others
- [International P2P Lending Volumes July 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2021/) - Which p2p lending marketplace originated the highest loan volume in July 2021? See market shares of international p2p lending companies.
- [International P2P Lending Volumes June 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2021/) - The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 428 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the
- [International P2P Lending Volumes May 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2021/) - See p2p lending platform growth and loan volumes in May 2021 for major international p2p lending marketplaces
- [International P2P Lending Volumes April 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2021/) - See p2p lending platform growth and loan originations in April 2021 for major international p2p lending marketplaces
- [International P2P Lending Volumes March 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2021/) - See p2p lending platform growth and loan originations in March 2021
- [International P2P Lending Volumes February 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2021/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 300 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the
- [Ratesetter UK Era Ends for Retail Investor](https://www.p2p-banking.com/countries/uk-ratesetter-uk-era-ends-for-retail-investor/) - Ratesetter retail investors will be paid out as Metro Bank purchases loan portfolio
- [International P2P Lending Volumes January 2021](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2021/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported marketplaces in the table adds up to 302 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the
- [International P2P Lending Volumes December 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Assetz Capital* and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 359 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the
- [International P2P Lending Volumes November 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter and Peerberry*. The total volume for the reported marketplaces in the table adds up to 261 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Preview of Upcoming Reinvest24 Secondary Market](https://www.p2p-banking.com/countries/baltic-preview-of-upcoming-reinvest24-secondary-market/) - Estonian property marketplace Reinvest24* will launch its secondary market (buying and selling among investors) next week. On Reinvest24 investors can invest into the equity of property and then participate on monthly rental payments and potentially capital gains at exit (if the property is sold). The secondary market feature had been first announced more than a
- [Interview with Matt Clannachan, VP of Product at Bondora](https://www.p2p-banking.com/countries/baltic-interview-with-matt-clannachan-vp-of-product-at-bondora/) - Can you please give a short introduction on Bondora*? Bondora offers a simple way to invest online. We've been around for over a decade and have more than 130,000 investors. This year, we announced our third consecutive year of profitability, and are on track for the fourth this year. What is your background and when
- [International P2P Lending Volumes October 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 289 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Belgian Mozzeno Raises 3M EUR to Accelerate Growth](https://www.p2p-banking.com/countries/belgium-belgian-mozzeno-raises-3m-eur-to-accelerate-growth/) - Launched in February 2017, Mozzeno* is a Belgian platform through which private individuals can indirectly finance loans granted to other individuals and businesses. You can read an interview with one of the Co-Founders here. Funds were raised from existing shareholders such as the W.IN.G Fund, and also provided by Federale (Federale Verzekering / Assurance). Frederic
- [International P2P Lending Volumes September 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2020-2/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 237 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Interview with Mike Bristow, CEO of CrowdProperty – The Current State of P2P Lending in the UK](https://www.p2p-banking.com/countries/uk-interview-with-mike-bristow-ceo-of-crowdproperty-the-current-state-of-p2p-lending-in-the-uk/) - What is CrowdProperty about? CrowdProperty was set up in 2013 because we personally felt the pain of raising finance for our property projects through decades of investing in, and developing, property ourselves. The three founders have 75 years’ experience of property investing and developing between us, meaning exceptional expertise in exactly the asset class we’re
- [Mintos will run Equity Crowdfunding Round on Crowdcube](https://www.p2p-banking.com/countries/baltic-mintos-will-run-equity-crowdfunding-round-on-crowdcube/) - Breaking news: p2p lending platform Mintos* will run an equity crowd on british equity crowdfunding platform Crowdcube. Mintos states 'As far as startups go, Mintos has raised very little capital so far. We have grown to become the market leader in continental Europe largely fueled by our own revenue. We see a huge market opportunity
- [Heavyfinance launches platform for loans backed by heavy machinery](https://www.p2p-banking.com/countries/baltic-heavyfinance-launches-platform-for-loans-backed-by-heavy-machinery/) - Startup Heavyfinance* has launched a platform for lor loans backed by heavy machinery, the first of this kind in the p2p environment as far as we know. The loans are backed by machinery in Lithuania (currently, the company plans to add Latvia, Portugal, Spain and Bulgaria and other EU countries), but the platform is open
- [Seedrs Review - My Experiences Since Joining](https://www.p2p-banking.com/countries/uk-seedrs-review-my-experiences-since-joining/) - My 15 month experiences in investing on the UK crowdfunding platform Seedrs. Open to international investors like me.
- [Plenti IPO Prospectus Puts Valuation at 280M AUD](https://www.p2p-banking.com/countries/australia-plenti-ipo-prospectus-puts-valuation-at-280m-aud/) - Plenti*, formerly Ratesetter Australia, is seeking to raise 55M AUD from investors in Australia and New Zealand through an IPO. The IPO takes place from Sep. 7th and the plan is to list the shares on the Australian stock exchange on Sep. 23rd. The Plenti IPO prospectus reveals that Plenti will be valued at 280M
- [International P2P Lending Volumes August 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Peerberry*. The total volume for the reported marketplaces in the table adds up to 239 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Auxmoney Raises 150M EUR New Funding](https://www.p2p-banking.com/countries/germany-auxmoney-raises-150m-eur-new-funding/) - German p2p lending marketplace Auxmoney* has announced a new funding round of 150M EUR raised from Centerbridge, Foundation Capital and other investors. According to a statement by CEO Raffael Johnen, who did not disclose the valuation of the round, Centerbridge now owns the majority of Auxmoney equity. Auxmoney was an early innovator in p2p lending
- [International P2P Lending Volumes July 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Finbee*. The total volume for the reported marketplaces in the table adds up to 275 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Up to 9% Interest Rate - How To Register as a Non-Resident Investor at Plenti (Ratesetter Australia)](https://www.p2p-banking.com/countries/australia-up-to-9-interest-rate-how-to-register-as-a-non-resident-investor-at-ratesetter-australia/) - Ratesetter is the brand name of one of the top 3 UK p2p lending marketplaces. Unfortunately only UK investors can invest on Ratesetter UK, otherwise I would have tried it out. Ratesetter is also the brandname of Ratesetter Australia. While not rund by the same company this Australian p2p lending marketplace uses the same technology
- [How is my P2P Lending Portfolio at Plenti (Ratesetter Australia) Performing during the Current Crisis?](https://www.p2p-banking.com/countries/australia-how-is-my-p2p-lending-portfolio-at-ratesetter-australia-performing-during-the-current-crisis/) - I started lending at Ratesetter Australia* in 2018. Read my article I wrote back then about my reasoning for selecting the platform and how I got started: 'Up to 9% Interest Rate – How To Register as a Non-Resident Investor at Ratesetter Australia'. Some key figures on my lending since 2018: amount deposited: 6,862 AUD
- [Metro Bank Buys Ratesetter UK](https://www.p2p-banking.com/countries/uk-metro-bank-buys-ratesetter-uk/) - Metro Bank today announces that it has agreed to acquire Ratesetter* (Retail Money Market LTD) for initial consideration of 2.5 million GBP, with additional consideration of up to 0.5 GBP million payable 12 months after completion subject to the satisfaction of certain criteria and further consideration of up to 9 million GBP payable on the
- [Variable Pricing on the Seedrs Secondary Market is Live - Chances for some Interesting Trading Experiments](https://www.p2p-banking.com/countries/uk-variable-pricing-on-the-seedrs-secondary-market-is-live-chances-for-some-interesting-trading-experiments/) - I use Seedrs* to invest into the equity of British startups since 2013. I have written about several aspects and my experience in the past here on the blog. Overall my results are very satisfying. My annualized return (IRR) is currently 23.4%. As I am not a UK resident I forego the tax benefits of
- [International P2P Lending Volumes June 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Finbee* and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 236 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Court Order to Freeze Assets of Former Lendy Directors](https://www.p2p-banking.com/countries/uk-court-order-to-freeze-assets-of-former-lendy-directors/) - Today Lendy's Joint Administrator's second progress report was published. It reveals that they took action against two former directors of the marketplace company. The relevant part states: Detailed investigations have been undertaken into the Company’s affairs during the period covered by this report, with the assistance of the Joint Administrators’ instructed solicitors Pinsent Masons LLP.
- [International P2P Lending Volumes May 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Finbee*. The total volume for the reported marketplaces in the table adds up to 188 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [International P2P Lending Volumes April 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Peerberry*. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.
- [Estateguru Launches Equity Crowdfunding Round on Seedrs to Raise 2M](https://www.p2p-banking.com/countries/baltic-estateguru-launches-equity-crowdfunding-round-on-seedrs-to-raise-2m/) - Baltic property lending platform Estateguru* has just launched a round on Seedrs* to raise up to 2 million EUR in new funding at a pre-money valuation of 28.8M EUR . Estateguru was launched in Estonia 6 years ago and has since expanded into the Latvian, Lithuanian, Finnish, Portugeese and German markets. Using the platform 47,000
- [International P2P Lending Volumes March 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 397 million Euro, down 40% to the previous month. I track the development of p2p lending volumes for many markets. Since I
- [Hunger for Liquidity - State of P2P Lending in Times of the Coronavirus](https://www.p2p-banking.com/countries/uk-hunger-for-liquidity-state-of-p2p-lending-in-times-of-the-coronavirus/) - Not only the stock markets, but also the p2p lending sector is heavily impacted by the current coronavirus situation. In this article I'll try to give an overview of what's currently the situation. I watched the Mintos* live webinar on the current situation for the past 90 minutes. Some screenshots of the slides shown are
- [Funding Circle Closes Offices in Berlin and Amsterdam](https://www.p2p-banking.com/countries/germany-funding-circle-closes-offices-in-berlin-an-amsterdem/) - Funding Circle today announced that it will close the offices in Amsterdam and Berlin laying off 125 employees. The German operations in future will focus purely on brokering loan request leads and will be managed from employees in London. The announcement is not surprising as Funding Circle Germany failed to gain traction over the past
- [International P2P Lending Volumes February 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 660 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [LendingClub Announces Acquisition Of Radius Bank](https://www.p2p-banking.com/services/lendingclub-lendingclub-announces-acquisition-of-radius-bank/) - LendingClub (NYSE:LC) announced that it has signed a definitive agreement to acquire Radius Bancorp, and its wholly owned subsidiary Radius Bank, (together "Radius") valued at 185 million USD. LendingClub says Combining Radius and LendingClub will create a digitally native marketplace bank at scale with the power to deliver an integrated customer experience, enabling consumers to
- [International P2P Lending Volumes January 2020](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2020/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 690 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Millions at Stake in Envestio case - Investors Calling for Answers](https://www.p2p-banking.com/countries/baltic-millions-at-stake-in-envestio-case-investors-calling-for-answers/) - The website is down. Several investors voiced complaints on Facebook, Twitter and forums, about not receiving withdrawals within 5 working days, the time-span that the company used to tell investors is the normal processing time. Social media profiles of several management members were deleted today. The European Crowdfunding Network reported them to authorities after receiving
- [Announcing P2P Conference 2020 in Riga](https://www.p2p-banking.com/countries/baltic-announcing-p2p-conference-2020-in-riga/) - I am looking forward to attending the P2P Conference 2020*, which takes places in Riga on June 19th/20th. If you want to go too, you can order your tickets using this link P2P Conference 2020* together with code Claus for 20% discount (click on 'enter promo code' on the page where you enter the ticket
- [International P2P Lending Volumes August 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 420 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Fellow Finance Plans IPO at Nasdaq Helsinki](https://www.p2p-banking.com/countries/finland-fellow-finance-plans-ipo-at-nasdaq-helsinki/) - Finnish p2p lending marketplace Fellow Finance* plans an IPO at Nasdaq Helsinki. Established in 2013 and launching operations in 2014, Fellow Finance is an internationally active and growth-oriented FinTech group that provides crowdfunding services. The Company has facilitated peer-to-peer loans to consumers as well as loan-based crowdfunding and invoice financing to businesses in a total
- [How to Invest Into Equity of P2P Lending Marketplaces](https://www.p2p-banking.com/countries/uk-how-to-invest-into-equity-of-p2p-lending-marketplaces/) - One of the main developments in UK p2p lending this autumn is the IPO (initial public offering) of Funding Circle. It will be open for investors that commit at least £1,000 through an intermediary (see list of participating intermediaries). Investing at the IPO means investors will invest at a very late stage of the growth
- [International P2P Lending Volumes September 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 410 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Configuring the new Mintos Secondary Market Autoinvest for a Test](https://www.p2p-banking.com/countries/baltic-configuring-then-new-mintos-secondary-market-autoinvest-for-a-test/) - How I configured the new Mintos secondary market autoinvest for a first test. Screen shots.
- [UK Property Platform Kuflink Opens To Investors in Europe (100 GBP Cashback)](https://www.p2p-banking.com/countries/uk-uk-property-platform-kuflink-opens-to-investors-in-europe-100-gbp-cashback/) - British p2p property platform Kuflink* has been in operation since 2016. Previously accepting only UK residents as investors, the platform announced that they have enhanced their KYC/AML procedures and are now open to investors from anywhere in Europe. Interested investors can use a free UK bank account from Transferwise* Borderless or Revolut* (Smartphone required). And
- [A Revelation](https://www.p2p-banking.com/countries/us-a-revelation/) - I read a lot. Really a lot. I average about 100 to 150 books I read each year. Nevertheless I rarely blog about a book on this blog, since I want to keep this blog focussed on the topic. I’ll make an exception today. For one of the best books written by a politican I
- [International P2P Lending Volumes October 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Zopa leads ahead of Mintos* and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 481 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Mintos to Provide Debit Cards and IBAN Accounts to Investors](https://www.p2p-banking.com/countries/baltic-mintos-to-provide-debit-cards-and-iban-accounts-to-investors/) - P2P lending marketplace Mintos* has raised 5 million EUR in a Series A. The money is earmarked to provide new features for investors. Mintos will be magnifying its role in the financial services sector by adding personal IBAN accounts and debit cards to its established global lending marketplace in the near future. The IBAN personal
- [International P2P Lending Volumes November 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 473 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [A Visit to Crowdestor in Riga](https://www.p2p-banking.com/countries/baltic-a-visit-to-crowdestor-in-riga/) - On invitation of Crowdestor* I travelled to Riga and met the founders of Crowdestor Janis Timma and Gunars Udris. Crowdestor is a Latvian p2p lending platform for SME loans. They launched a year ago. Loans are typically for terms of up to 18 months and interest rates are quite high - the current loan offer
- [Year-End Review of my Mintos Results in 2018 and Outlook for 2019](https://www.p2p-banking.com/countries/baltic-year-end-review-of-my-mintos-results-in-2018-and-outlook-for-2019/) - I started investing on the p2p lending marketplace Mintos* in January 2015. Nearly 4 years have passed. Most of the time my strategy was buy-and-hold, that is I invested in loans with the intention to hold them till maturity. That's also what I had been doing at the majority of other p2p lending platforms. In
- [International P2P Lending Volumes December 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 445 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Bondora Website Now Available in 24 Language to Boost Pan-European Usage](https://www.p2p-banking.com/countries/baltic-bondora-website-now-available-in-24-language-to-boost-pan-european-usage/) - Bondora* has announced that the p2p lending marketplace platform is now accessible in 24 European languages. Bondora says it already has more than 42,000 investors from 85+ countries worldwide, that have invested more than 150 million EUR in the consumer loans listed on the Bondora marketplace. Bondora gives investors the choice of different investment products:
- [International P2P Lending Volumes January 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 581 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Why has the FCA Refused the Application of Mintos and has the Decision any Consequences?](https://www.p2p-banking.com/countries/uk-why-has-the-fca-refused-the-application-of-mintos-and-has-the-decision-any-consequences/) - The FCA, the Financial Conduct Authority, is the supervising regulatory body for p2p lending platforms in the UK. In Dec. 2018 it refused the application of Mintos* or more precise of a separate legal entity within the Mintos group, established for operations within the UK. The full notice of the FCA decision can be read
- [Auxmoney Now Stands for 0.5% of the Market of German Consumer Loans](https://www.p2p-banking.com/countries/germany-auxmoney-now-stands-for-0-5-percent-of-the-market-of-german-consumer-loans/) - German p2p lending marketplace Auxmoney* announced that it has facilitated 551M EUR in consumer loans in the year 2018. Up 74% compared to 2017. Approximately 73,000 loans were financed. Figures published by the German Central Bank Bundesbank give the total volume of consumer loans in Germany in 2018 as 105.7 billion EUR (page 2, column
- [International P2P Lending Volumes February 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter+. The total volume for the reported marketplaces in the table adds up to 531 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [International P2P Lending Volumes March 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 582 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Auxmoney Expands Into SME Loans](https://www.p2p-banking.com/countries/germany-auxmoney-expands-into-sme-loans/) - Auxmoney*, the largest German p2p lending marketplace, today starts financing SME loans. In the past Auxmoney focused on consumer loans of up to 50,000 EUR. Now loan amounts will get much bigger. Auxmoney will finance SME loans from 10,000 to 750,000 EUR at APRs between 2.7% and 11.9% depending on credit rating. Available loan terms
- [Interview with Jana Mücková, Relationship Manager at Bondster](https://www.p2p-banking.com/countries/czechrepublic-interview-with-jana-muckova-relationship-manager-at-bondster/) - I interviewed Jana Mücková, Relationship Manager at Bondster* (see her bio at the end of the article). By registering via this link and entering promotion code 5506 new investors get 1% cashback on all investments in the first three month. What is Bondster about? Bondster is one of the fastest growing fintech companies in the
- [International P2P Lending Volumes April 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 571 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Review: My P2P Lending Portfolio May 2019](https://www.p2p-banking.com/countries/uk-review-my-p2p-lending-portfolio-may-2019/) - I covered my p2p lending portfolio periodically over the past 12 years in this blog. The following report is a snapshot on how it is composed right now (May 2019) and which strategy I will take for the next months. As you can see below I aim for a widespread diversification (over different platforms as
- [German Varengold Bank Acquires 20% Stake in Klear](https://www.p2p-banking.com/countries/germany-german-varengold-bank-acquires-20-stake-in-klear/) - Germany’s Varengold Bank AG has agreed to acquire 20 percent of Klear*, a Bulgaria-based p2p lending platform in the emerging FinTech segment in Southeast Europe (SEE). The two sides have already signed an agreement under the terms of which the shares are expected to be transferred till the end of the second quarter of the
- [International P2P Lending Volumes May 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 607 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Estateguru Raises 1.3M EUR from Speedinvest](https://www.p2p-banking.com/countries/baltic-estateguru-raises-1-3m-eur-from-speedinvest/) - Baltic property p2p lending marketplace Estateguru* announced, that it has raised a 1.3M EUR round led by Speedinvest f. Speedinvest f is a focus fund launched by Speedinvest, targeting Fintech investments across Europe. Speedinvest will support EstateGuru in its geographic expansion across Europe. Marek Pärtel, founder and CEO of EstateGuru, outlines the company’s mission to
- [New product: Mintos Invest and Access - What it is and My Opinion](https://www.p2p-banking.com/process/marketing-new-product-mintos-invest-and-access-what-it-is-and-my-opinion/) - Mintos* will launch a new product offer called Invest & Access tomorrow. It was already unveiled and presented at the P2P Conference in Riga on Friday. Before I write about it watch the video below for about 10 minutes with Mintos CEO Martins Sulte explaining Mintos Invest and Access. the video should autostart at the
- [Impressions from the P2P Conference in Riga](https://www.p2p-banking.com/countries/baltic-impressions-from-the-p2p-conference-in-riga/) - On Friday and Saturday I attended the P2P Conference* in Riga. It was the first p2p lending conference in Riga and I was very impressed how well organized it was for a new event. Kudos to the Targetcircle staff who organized that. The audience was platforms, retail investors and bloggers/youtubers mainly from the Baltics and
- [LHV Bank Integrates Estateguru Investments in Online Banking Dashboard](https://www.p2p-banking.com/countries/baltic-lhv-bank-integrates-estateguru-investments-in-online-banking-dashboard/) - Who? What? You might wonder why that is relevant as most readers are unlikely to be LHV Bank customers. LHV Bank is a bank in Estonia. I think it is highly interesting, as it is - to my knowledge - the first time a bank has integrated p2p lending investments in its customer interface. So
- [International P2P Lending Volumes June 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 613 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [International P2P Lending Volumes July 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 611 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Two Issues Currently Evolving on P2P Lending Marketplaces](https://www.p2p-banking.com/countries/baltic-two-issues-currently-evolving-on-p2p-lending-marketplaces/) - This week some investors on the p2p lending marketplaces Viventor*, Grupeer* and Mintos* are affected by issues that hinder the normal procedures on these marketplaces. Viventor started to display the following warning message yesterday (visible only if you click on an affected loan) (Screenshot from Viventor.com) As a result, multiple Aforti loans were on offer
- [International P2P Lending Volumes August 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 634 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Estateguru Secondary Market Launch](https://www.p2p-banking.com/countries/baltic-estateguru-secondary-market-launch/) - After several month of waiting since the first announcement, the Estateguru* secondary market will now launch. In the past weeks could participate in a closed beta test prior to the coming public launch of the market. Estateguru used this to get some feedback and to fine tune the wording (e.g. in the FAQ). Overview of
- [International P2P Lending Volumes September 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 639 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [October Stops Catering to German Retail Investors](https://www.p2p-banking.com/countries/germany-october-stops-catering-to-german-retail-investors/) - Marketplace October* has just announced that due to regulatory requierements it won't enable retail investors from Germany to invest into any new projects starting next week In July 2019 we announced that we were going to launch October in Germany by the end of the year after the arrival of our local CEO, Thorsten Seeger.
- [Which P2P Lending Marketplaces in Europe Accept American Investors?](https://www.p2p-banking.com/countries/us-which-p2p-lending-marketplaces-in-europe-accept-american-investors/) - 5 European p2p lending marketplaces that accept US residents and or US companies as investors
- [International P2P Lending Volumes November 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 658 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [International P2P Lending Volumes October 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Zopa and Ratesetter*. The total volume for the reported marketplaces in the table adds up to 703 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Funding Societies Reaches Milestone of 1 Billion SGD in SME Lending](https://www.p2p-banking.com/countries/asian-funding-societies-reaches-milestone-of-1-billion-sgd-in-sme-lending/) - Funding Societies*, an SME digital financing platform in Southeast Asia with presence in Singapore, Indonesia and Malaysia, Funding Societies has facilitated more than 1 million business loans to SMEs through a base of more than 150,000 individual and institutional investors in the last 4 years since inception in 2015. Funding Societies expanded its loan volume
- [Mintos Invest & Access Seems to Have Left 'Normal Market Conditions' for the First Time - Leaving Some Investors Surprised](https://www.p2p-banking.com/countries/baltic-mintos-invest-access-seems-to-have-left-normal-market-conditions-for-the-first-time-leaving-some-investors-surprised/) - In June Mintos* introduced the Invest & Access product which was designed to make it as easy as possible for investors to invest on Mintos. You can read my article about the introduction here. One main aspect offered was that it promised high liquidity, which came with the disclamer 'you should be able to access
- [Thin Cats Calls it a Day For Retail Investors - Puts Loans in Run-Off](https://www.p2p-banking.com/countries/uk-thin-cats-calls-it-a-day-puts-loans-in-run-off/) - British p2p lending marketplace Thin Cats* announced that it will cease to offer new loans to retail investors. Thin Cats had facilitated about 556 million loans to UK business clients on its marketplace. UPDATE: The headline has been edited compared to an earlier version to clarify that the company only stopped to offer retail p2p
- [International P2P Lending Volumes December 2019](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2019/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Ratesetter* and Zopa. The total volume for the reported marketplaces in the table adds up to 594 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data
- [Tax Rates on P2P Lending - Low versus High](https://www.p2p-banking.com/uncategorized-tax-rates-on-p2p-lending-low-versus-high/) - One important aspect for p2p lending investors is tax. In this blog whenever I talked about yields achieved, it is usually pre-tax yield. That is because taxation varies significantly from country to country. In most cases the place of residency of the investor determines the tax regime applicable. There are a few exceptions, e.g. on
- [Platform Moneything In Wind-Down](https://www.p2p-banking.com/countries/uk-platform-moneything-in-wind-down/) - This morning british p2p lending platform Moneything announced that it will wind-down operations citing difficulties to compete in current market conditions. The platform facilitated 92.3 million GBP in loans since launch in 2015. 20.3 million GBP of the loans are still outstanding. The full announcement sent to investors reads: We have taken the decision to
- [Profits and Losses of P2P Lending Marketplaces 2017 and 2018](https://www.p2p-banking.com/uncategorized-profits-and-losses-of-p2p-lending-marketplaces-2017-2018/) - I added a new information page to P2P-Banking compiling data on which p2p lending marketplaces made a profit or a loss in the last business years. You can read more on why this data is useful to investors on the platforms here. Snapshot of the table at the start of the data collection: Table: Profits/losses
- [Brief: Funding Secure Fails - Now in Administration](https://www.p2p-banking.com/countries/uk-brief-funding-secure-fails-now-in-administration/) - UK property p2p lending marketplace Funding Secure was placed in administration today, Oct. 23rd, 2019. Jonathan Avery-Gee, Edward Avery-Gee and Daniel Richardson of CG & Co were appointed Administrators of the Company. No deposits and withdrawal requests from investors are currently processed anymore. More detailed information is provided in this FAQ. Funding Secure provided roughly
- [The Rise of UK Fintech - Video](https://www.p2p-banking.com/countries/uk-the-rise-of-uk-fintech-video/) - A look back on the past 11 years, that saw the rise of numerous UK fintech players. How the financial crisis provided a hotbed for startups to foster and grow rapidly. The video by 11FS is an hour long and delivers and interesting recap. There is also a report. https://www.youtube.com/watch?v=59erwsHe5CI
- [UK P2P Lending Marketplace Lendy in Administration](https://www.p2p-banking.com/countries/uk-uk-p2p-lending-marketplace-lendy-in-administration/) - P2P Lending marketplace Lendy is in administration according to a statement by the British regulator FCA: "On 24 May 2019, following action taken by the FCA, Lendy Ltd, a regulated Peer-to Peer (P2P) firm, appointed Damian Webb, Phillip Rodney Sykes and Mark John Wilson of RSM Restructuring Advisory LLP as administrators. The same administrators have
- [Interview with Grupeer](https://www.p2p-banking.com/countries/baltic-interview-with-grupeer/) - Interview with Alla Kisika, founder and Vladislav Filimonovs, COO of Grupeer What is Grupeer about? Alla Kisika: Grupeer is all about people! We have created the platform which is based on 3 pillars: Security (protection) Technologies (efficiency) Benefit (profitability) Our platform is not just the bridge connecting the borrower and the investors, Grupeer is a transparent environment
- [Growth of Investor Numbers on P2P Lending Marketplaces](https://www.p2p-banking.com/countries/uk-growth-of-investor-numbers-on-p2p-lending-marketplaces/) - Today I take a look at the recent development of investor numbers on several p2p lending marketplaces. I chart relative numbers with the index set to 100 for June 1st, 2018. The advantage of using indexed numbers for this comparison is that platforms use very different definitions for their investor base size. Some count registered
- [Growth of Investor Numbers on P2P Lending Platforms](https://www.p2p-banking.com/uncategorized-growth-of-investor-numbers-on-p2p-lending-platforms/) - How fast is the number of investors using p2p lending platforms in Europe growing? Platform comparison chart
- [Orca Money to Raise 500K via Equity Crowdfunding - Interview with CEO Iain Niblock](https://www.p2p-banking.com/countries/uk-orca-money-to-raise-via-equity-crowdfunding-interview-with-ceo-iain-niblock/) - Orca Money is currently running an equity crowdfunding campaign on Seedrs to raise 500K GBP at a premoney valuation of 1.7M GBP. Anybody can invest in Orca Money shares with a minimum investment amount of 10 GBP applicable. I interviewed the Orca CEO Iain Niblock What is Orca Money about? Orca is an aggregation platform,
- [Lower Interest Rates on Mintos - How do Investors React?](https://www.p2p-banking.com/countries/germany-lower-interest-rates-on-mintos-how-do-investors-react/) - Compared to the beginning of July the interest rates for newly issued EUR loans on Mintos are much lower now. While investors enjoyed interest rates of up to 13-14% for loans issued in the first half of the year, typical rates are 8-11% now, with a 12-13% for more exotic loans mixed in. Cause of
- [Swiss Invoice Finance Marketplace Advanon Hit by Fraud Case](https://www.p2p-banking.com/countries/switzerland-swiss-invoice-finance-marketplace-advanon-hit-by-fraud-case/) - Swiss invoice finance platform Advanon has to deal with a large fraud case. A client allegedly made up invoices for non-existing transactions and submitted forged invoices, bank records and emails. These invoices were then financed on the Advanon platform by 78 private investors. The fraud continued undiscovered for about a year racking up a total
- [International P2P Lending Volumes July 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Mintos leads ahead of Zopa and Ratesetter. . The total volume for the reported marketplaces listed in the table adds up to 449 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of
- [International P2P Lending Volumes June 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. Zopa leads ahead of Mintos and Ratesetter. I delisted Funding Circle from the table as they announced they will only update figures quarterly now (was daily). Furthermore they have withdrawn the downloadable loanbook. The total volume for the reported marketplaces listed in
- [Collateral Case the Next Step: BDO's Joint Administrators' Proposals](https://www.p2p-banking.com/uncategorized-collateral-case-the-next-step-bdos-joint-administrators-proposals/) - BDO has prepared and emailed the Joint Adminstrators' Proposal to investors and creditors of the Collateral Companies last night. The report is also available publicly on the BDO website. I have read the whole report. I will not attempt to summarize it, but point out some findings that I find personally really surprising given that
- [International P2P Lending Volumes May 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2018/) - The table lists the loan originations of p2p lending marketplaces for last month. With the most recent Funding Circle figures not available at the moment, Zopa leads before Mintos. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on
- [Bondora Go & Grow - Bondora Rolling Out New Product](https://www.p2p-banking.com/countries/baltic-bondora-go-grow-bondora-rolling-out-new-product/) - A preview of the new Bondora Go & Grow product paying 6.75% interest which will become available to all investors in June.
- [International P2P Lending Volumes April 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2018/) - International p2p lending marketplace statistics for April 2018. More than 40 different p2p lending services listed by origination volume
- [German Varengold Bank Provides Credit Line to Estateguru](https://www.p2p-banking.com/countries/baltic-german-varengold-bank-provides-credit-line-to-estateguru/) - German Varenbank Gold gives credit line to Estateguru to invest into property loans originated in the Baltic market.
- [Interview with Narinder Khattoare, CEO of Kuflink](https://www.p2p-banking.com/countries/uk-interview-with-narinder-khattoare-ceo-of-kuflink/) - Interview with Kuflink CEO on advantages for investors and borrowers, challenges and the outlook for the property market and for Kuflink
- [Interview with Kristjan Koik, CEO of Flender](https://www.p2p-banking.com/countries/ireland-interview-with-kristjan-koik-ceo-of-flender/) - Flender CEO on achievements since launch, the planned fund raise, coming property loans and the challenge to be tackled for growth right now
- [Brief: Crowdestate Opens Secondary Market](https://www.p2p-banking.com/countries/baltic-brief-crowdestate-opens-secondary-market/) - Estonian p2p lending marketplace Crowdestate opens secondary market. New website with more features
- [Ratesetter Launches IFISA Offer](https://www.p2p-banking.com/countries/uk-ratesetter-launches-ifisa-offer/) - Ratesetter IFISA launched, up to 20k investment per year tax-free on Ratesetter p2p lending marketplace
- [International P2P Lending Volumes March 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-march-2018/) - Review of p2p lending loan volumes for over 50 international p2p lending companies in March 2018. Funding Circle ahead of Zopa and Mintos.
- [LendingCrowd Raises 2M GBP](https://www.p2p-banking.com/countries/uk-lendingcrowd-raises-2m-gbp/) - LendingCrowd raises 2M GBP funding.
- [Interview with Ahmed Moor, CEO of Liwwa](https://www.p2p-banking.com/countries/asian-interview-with-ahmed-moor-ceo-of-liwwa/) - Interview wth the CEO and co-founder of Liwwa, a p2p lending platform from Jordan giving loans to SMEs in the MENA region
- [Interview with Yann Murciano, CEO of Blend Network](https://www.p2p-banking.com/countries/uk-interview-with-yann-murciano-ceo-of-blend-network/) - Interview with Yann Murciano, CEO of online property lending marketplace Blend Network covering advantages, challenges and plans for the future
- [International P2P Lending Volumes February 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-february-2018/) - Review of p2p lending loan volumes for over 50 international p2p lending companies in February 2018. Funding Circle ahead of Zopa and Ratesetter.
- [Collateral UK in Adminstration - a Summary for Investors](https://www.p2p-banking.com/countries/uk-collateral-uk-in-adminstration-a-summary-for-investors/) - What does it mean for investors in loans on the Collateral UK marketplace that the Collateral (UK) Ltd has gone into administration yesterday?
- [What's Up at Collateral?](https://www.p2p-banking.com/countries/uk-whats-up-at-collateral/) - Collateral website down for more than 36 hours. How are investors reacting?
- [Mintos Adds First Loan Originator From the UK](https://www.p2p-banking.com/countries/uk-mintos-adds-first-loan-originator-from-the-uk/) - Mintos lists 1pm as new loan originator on the platform with business loans in GBP
- [ING Diba Buys Lendico](https://www.p2p-banking.com/countries/germany-ing-diba-buys-lendico/) - Bank ING Diba acquires p2p lending marketplace Lendico. According to Finanz-Szene.de the transaction was reported to the German Federal Cartel Authority last week. The bank has confirmed the acquisition. Lendico went through hard times. It had to cut back on international activities, never really took off on German home turf and realigned from consumer lending
- [Banco BNI Europe Starts to Lend on Multiple P2P Lending Platforms](https://www.p2p-banking.com/uncategorized-banco-bni-europe-starts-to-lend-on-multiple-p2p-lending-platforms/) - Banco BNI Europe starts funding p2p loans on p2p lending marketplaces Fellow Finance and Funding Circle
- [International P2P Lending Volumes January 2018](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2018/) - Review of p2p lending loan originations for over 50 international p2p lending marketplaces in January 2018. Funding Circle ahead of Zopa and Ratesetter.
- [Investing on the Mintos Secondary Market - Hint 2 - Buying overdue loans at discount](https://www.p2p-banking.com/countries/baltic-investing-on-the-mintos-secondary-market-hint-2-buying-overdue-loans-at-discount/) - Strategy tipp and review for the Mintos secondary market. Buying overdue loans to achieve a higher ROI.
- [Investly Plans to Raise 2M GBP on Seedrs - Interview with CEO Siim Maivel](https://www.p2p-banking.com/countries/baltic-investly-plans-to-raise-2-5m-gbp-on-seedrs-interview-with-ceo-siim-maivel/) - Investly is running a equity crowdfunding round on Seedrs. The UK/Estonian invoice financing marketplace wants to raise between 500,000 and 2 million GBP to grow further.
- [Investing on the Mintos Secondary Market - Hint One](https://www.p2p-banking.com/countries/baltic-investing-on-the-mintos-secondary-market-hint-one/) - How to interpret the YTM (yield to maturity) value on the secondary market. Examples where taking it at face value might be misleading.
- [International P2P Lending Volumes December 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2017/) - Review of p2p lending statistics for over 40 international p2p lending marketplaces in Europe in December 2017. Funding Circle ahead of Zopa and Ratesetter.
- [Assetz Capital IFISA Launches](https://www.p2p-banking.com/countries/uk-assetz-capital-ifisa-launches/) - P2P Lending marketplace Assetz Capital launches tax-free innovative finance ISA
- [Up to 5% Cashback On Long-Term Investments Offered by Mintos](https://www.p2p-banking.com/process/marketing-up-to-5-cashback-on-long-term-investments-offered-by-mintos/) - New Mintos cashback campaign offers 2% to 5% cashback on long term loans for investments made in Dec 2017.
- [International P2P Lending Volumes November 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2017/) - Review of p2p lending statistics for over 40 international p2p lending platforms in Europe in November 2017. Funding Circle ahead of Zopa and Ratesetter.
- [Spanish Platform Comunitae Stops Operations Due to Fraud](https://www.p2p-banking.com/countries/spain-spanish-platform-comunitae-stops-operations-due-to-fraud/) - Comunitae halts operations due to fraud
- [Finbee Expands into Czech Market](https://www.p2p-banking.com/countries/baltic-finbee-expands-into-czech-market/) - Finbee now serves borrowers in the Czech republic too. Platform available to European investors.
- [My P2P Lending Investment Portfolio at Bondora is now 5 Years Old](https://www.p2p-banking.com/countries/baltic-my-p2p-lending-investment-portfolio-at-bondora-is-now-5-years-old/) - My Bondora portfolio after 5 years of investment. Review of the results from the years 2012-2017.
- [Crowdproperty Pitches to Raise 600K GBP through Equity Crowdfunding](https://www.p2p-banking.com/countries/uk-crowdproperty-pitches-to-raise-600k-gbp-through-equity-crowdfunding/) - UK p2p lending platform Crowdproperty pitches on Seedrs to raise 600,000 GBP from the crowd.
- [International P2P Lending Volumes October 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-october-2017/) - Review of p2p lending statistics for over 40 international p2p lending marketplaces in Europe in October 2017. Funding Circle ahead of Zopa and Ratesetter.
- [Interview with Stuart Law, CEO and co-founder of Assetz Capital](https://www.p2p-banking.com/countries/uk-interview-with-stuart-law-ceo-and-co-founder-of-assetz-capital/) - Stuart Law on the upcoming Assetz Capital IFISA, the company turning profitable, Brexit and the outlook for the next years
- [Mintos Scraps Secondary Market Fees](https://www.p2p-banking.com/countries/baltic-mintos-scraps-secondary-market-fees/) - Latvian p2p lending marketplace Mintos announced today that all transactions on the secondary market are now free. Exciting news! Starting from today, November 1, 2017, we have removed the 1% fee for selling loans on the secondary market of the Mintos marketplace. This means from now on, there are absolutely no fees for investing through
- [Using the secondary market for above average returns on investment](https://www.p2p-banking.com/investor-using-the-secondary-market-for-above-average-returns-on-investment/) - Patterns, behaviour and marketplace features to look at when considering a trading strategy on a p2p lending platform's secondary market
- [My Lendit Europe Recap 2017](https://www.p2p-banking.com/uncategorized-my-lendit-europe-recap-2017/) - My recap of Lendit Europe conference in London on Oct 9th/10th, 2017
- [Loanbook partners with Sage](https://www.p2p-banking.com/countries/spain-loanbook-partners-with-sage/) - P2P Lending Marketplace Loanbook integrates with Sage to offer loans to Spanish SMEs
- [Interview with Terry Fisher, Founder at Huddle Capital](https://www.p2p-banking.com/countries/uk-interview-with-terry-fisher-founder-at-huddle-capital/) - Interview with Terry Fischer, founder of new p2p lending platform Huddle Capital
- [International P2P Lending Volumes September 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-september-2017/) - Review of p2p lending statistics for over 40 international p2p lending platforms in September 2017. Funding Circle ahead of Zopa and Ratesetter.
- [My Bondmason Result After Exit - Yield was Mediocre](https://www.p2p-banking.com/countries/uk-my-bondmason-result-after-exit-yield-was-mediocre/) - My results after one year investment in p2p lending platform Bondmason are not good. Read what happened and how it ended.
- [Fellow Finance Now Offers Loans to German Borrowers](https://www.p2p-banking.com/countries/germany-fellow-finance-now-offers-loans-to-german-borrowers/) - Fellow Finance and Wirecard Bank cooperate to offer loans to German consumers
- [International P2P Lending Volumes August 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-august-2017/) - Review of p2p lending statistics for over 40 international p2p lending marketplaces in August 2017. Funding Circle ahead of Zopa and Ratesetter.
- [My Housers Experience - Quick Gains by Flipping Investments on Spanish Property Platform](https://www.p2p-banking.com/countries/spain-my-housers-experience-quick-gains-by-flipping-investments-on-spanish-property-platform/) - Review of my first experiences on Spanish property platform Housers
- [Funding Circle Stops to Offer Manual Investment in Self Selected Loans](https://www.p2p-banking.com/countries/uk-funding-circle-stops-to-offer-manual-investment-in-self-selected-loans/) - Funding Circle UK discontinues manual selection, asks investors to use autobid
- [Dutch Insurance Aegon Will Fund 160M GBP Loans on Funding Circle UK](https://www.p2p-banking.com/countries/uk-dutch-insurance-aegon-will-fund-160m-gbp-loans-on-funding-circle-uk/) - Funding Circle and Aegon announce partnership
- [Review of My Linked Finance Investment After 6 Months](https://www.p2p-banking.com/countries/ireland-review-of-my-linked-finance-investment-after-6-months/) - Review of my Linked Finance experience. No defaults and overdue loans after 6 months. 5.6% yield so far.
- [Flender - new p2p lending marketplace in Ireland](https://www.p2p-banking.com/countries/uk-flender-new-p2p-lending-marketplace-in-ireland/) - Review of p2p lending marketplace Flender, launched in Ireland and authorised and planned for UK.
- [Fellow Finance Adds Invoice Financing](https://www.p2p-banking.com/countries/finland-fellow-finance-adds-invoice-financing/) - Fellow Finance now offers invoice funding for Finnish SMEs.
- [International P2P Lending Volumes July 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-july-2017/) - Review p2p lending volumes of over 40 international p2p lending marketplaces for July 2017. Zopa now ahead of Funding Circle and Lendinvest.
- [Interview with Loit Linnupõld, CEO of Crowdestate](https://www.p2p-banking.com/countries/baltic-interview-with-loit-linnupold-ceo-of-crowdestate/) - Interview with the CEO of Crowdestate, p2p lending and equity crowdinvestment marketplace in Estonia
- [Interview with Joerg Bartussek, Co-Founder of Finnest.com](https://www.p2p-banking.com/countries/germany-interview-with-joerg-bartussek-co-founder-of-finnest-com/) - Co-Founder of Finnest, active in Austria, Germany and Switzerland and Slovakia, profiles the SME financing marketplace and talks about future plans
- [Rocket Internet Sells Lendico to Arrowgrass](https://www.p2p-banking.com/countries/germany-rocket-internet-sells-lendico-to-arrowgrass/) - Lendico sold completly to Arrowgrass
- [Funding Circle Germany Publishes Loanbook Performance Figures](https://www.p2p-banking.com/countries/germany-funding-circle-germany-publishes-loanbook-performance-figures/) - Funding Circle Germany releases figures on loanbook performance
- [International P2P Lending Volumes June 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-june-2017/) - Compare p2p lending volumes of over 40 international p2p lending marketplaces for June 2017. Funding Circle leads ahead of Zopa and Lendinvest.
- [Plum Automates Investment in Ratesetter - Plum Equity Crowdfunding Pitch](https://www.p2p-banking.com/countries/uk-plum-automates-investment-in-ratesetter-plum-equity-crowdfunding-pitch/) - Plum pitch aiming to raise 700K GBP through a convertible. Plum cooperates with Ratesetter
- [Tikehau Capital Buys Credit.fr for 12 Million Euro](https://www.p2p-banking.com/countries/france-tikehau-capital-buys-credit-fr-for-12-million-euro/) - Tikehau Capital Buys Credit.fr for 12 Million Euro
- [ProSiebenSat.1 Sells Shares in Auxmoney to Lexington](https://www.p2p-banking.com/countries/germany-prosiebensat-1-sells-shares-in-auxmoney-to-lexington/) - ProSiebenSat.1 Sells Auxmoney Shares to new investment fund Crosslantic Capital
- [P2P-Banking Launches Database to Enable Investors to Compare IFISA Providers Easily](https://www.p2p-banking.com/countries/uk-p2p-banking-launches-database-to-enable-investors-to-compare-ifisa-providers-easily/) - P2P banking launches IFISA provider comparison to help investors find the best IFISA to match their investment strategy and selection criteria
- [My Lendy Experience - Portfolio Review After 2 Years Investing](https://www.p2p-banking.com/countries/uk-my-lendy-experience-portfolio-review-after-28-months-investing/) - Review of the performance of my Lendy loan portfolio investment UK p2p lending marketplace formerly called Saving Stream. My yield is 12.1% (in GBP) right now.
- [Interview with Filip Karadaghi, Managing Director of LandlordInvest](https://www.p2p-banking.com/countries/uk-interview-with-filip-karadaghi-managing-director-of-landlordinvest/) - Interview with Filip Karadaghi of p2p lending platform Landlordinvest offering an residential mortgage backed Innovative Finance ISA
- [Relendex launches its Innovative Finance ISA](https://www.p2p-banking.com/countries/uk-relendex-launches-its-innovative-finance-isa/) - Relendex launches IFISA offer. Property based p2p lending platform offers interest rates from 7 to 10 percent
- [Interview with Evaldas Remeikis, Chairman of the board at UAB NEO Finance, Marketplace Paskoluklubas](https://www.p2p-banking.com/countries/baltic-interview-with-evaldas-remeikis-chairman-of-the-board-at-uab-neo-finance-marketplace-paskoluklubas/) - Interview with Evaldas Remeikis, of p2p lending marketplace Paskoluklubas in Lithuania, opening to international investors tomorrow
- [Doing KYC on International Investors and the Potential of Automation](https://www.p2p-banking.com/process-doing-kyc-on-international-investors-and-the-potential-of-automation/) - Doing KYC on international investors can be a labor intensive and costly process for p2p lending platforms. Is there potential for automation?
- [Shift of Demand on UK Property Marketplaces](https://www.p2p-banking.com/countries/uk-shift-of-demand-on-uk-property-marketplaces/) - Review, analysis and possible reaction on the demand shift on UK property marketplaces Lendy, Moneything, Funding Secure and Collateral
- [Assetz Capital Review - 30 Days Access Account with 4.75% Target Rate](https://www.p2p-banking.com/countries/uk-assetz-capital-review-30-days-access-account-with-4-75-percent-target-rate/) - Review of Assetz Capital 30 days access account which currently offers a promotional target rate of 4.75% interest
- [Assetz Capital Launches Property Secured Investment Account](https://www.p2p-banking.com/countries/uk-assetz-capital-launches-property-secured-investment-account/) - The new Property Secured Investment Account by Assetz Capital, Target rate 5.5%
- [A Visit With Assetz Capital](https://www.p2p-banking.com/countries/uk-a-visit-with-assetz-capital/) - On Wednesday I flew to Manchester on invitation of p2p lending service Assetz Capital and met with Managing Director Andrew Holgate and his team. I learned how they operate and we spent the day discussing various aspects of p2p lending. Assetz Capital does p2p lending to businesses secured by assets - mostly property. While the
- [International P2P Lending Volumes May 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-may-2017/) - Compare p2p lending volumes of over 40 international p2p lending marketplaces for May 2017. Funding Circle leads ahead of Zopa and Ratesetter.
- [New Lendy Cashback Offer 50 GBP for New Customers](https://www.p2p-banking.com/countries/uk-new-lendy-cashback-offer-50-gbp-for-new-customers/) - New investors get 50 GBP cashback, when investing at least 1000 GBP for three month. Sign up here to get the Lendy bonus
- [Proplend IFISA Offer Launches Next Week](https://www.p2p-banking.com/countries/uk-proplend-ifisa-offer-launches-next-week/) - Proplend IFISA will be launched next week. Flexible IF ISA secured by property backed p2p loans.
- [Zopa To Retire Safeguard Fund](https://www.p2p-banking.com/countries/uk-zopa-to-retire-safeguard-fund/) - Zopsa will launch IFISA for existing customers only and phase out Safeguard Fund offer.
- [Transferwise Borderless Accounts Allows To Set Up Free UK Account and Free EUR Account](https://www.p2p-banking.com/countries/uk-transferwise-borderless-accounts-allows-to-set-up-free-uk-account-and-free-eur-account/) - Free UK account, free EUR account and free USD account from Transferwise. Ideal for p2p lending investors
- [Irish Linked Finance secures full approval from UK regulator FCA](https://www.p2p-banking.com/countries/uk-irish-linked-finance-secures-full-approval-from-uk-regulator-fca/) - Linked Finance gains full FCA approval. Possibly a next step is adding loans for businesses in Northern Ireland?
- [Interview with the Founders of DoFinance Janis and Viesturs Kulikovoskis](https://www.p2p-banking.com/countries/baltic-interview-with-the-founders-of-dofinance-janis-and-viesturs-kulikovoskis/) - Interview with the founders of DoFinance, the brothers Kulikovoskis
- [Bitbond Gets 5M Euro Debt Commitment to Boost Sales](https://www.p2p-banking.com/countries/germany-bitbond-gets-5m-euro-debt-commitment-to-boost-sales/) - Bitbond gets 5 million Euro debt commitment which will help Bitbond to fund loan applications on the marketplace faster
- [International P2P Lending Volumes April 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-april-2017/) - Loan orignation statistics for over 40 international p2p lending marketplaces for April 2017. Funding Circle leads ahead of Zopa and Lendinvest.
- [Interview: Flender Pitches to Raise 500K](https://www.p2p-banking.com/countries/uk-interview-flender-pitches-to-raise-500k/) - P2P-Banking.com interviews Kris Koik, CEO of Flender on the recent pitch of Flender for a p2p lending platform
- [My Moneything Investment Experience after 13 Months](https://www.p2p-banking.com/countries/uk-my-moneything-investment-experience-after-13-months/) - My Moneything experience after one year. Read what yield my p2p lending portfolio on Moneything produced.
- [Finbee Experiences - My Portfolio Review](https://www.p2p-banking.com/countries/baltic-finbee-experiences-my-portfolio-review/) - My experiences with investing on p2p lending platform Finbee. A review of my current portfolio and results in the past 20 months.
- [The Complete Guide to Using Revolut for P2P Lending Investors](https://www.p2p-banking.com/countries/uk-the-complete-guide-to-using-revolut-for-p2p-lending-investors/) - Two big benefits of the free Revolut account, if you live outside the UK but invest on British p2p lending marketplaces, explained
- [Statistic of International P2P Lending Services March 2017](https://www.p2p-banking.com/countries/germany-statistic-of-international-p2p-lending-services-march-2017/) - Loan orignation statistics for over 40 international p2p lending marketplaces for March 2017. Funding Circle leads ahead of Zopa and Ratesetter.
- [Meeting of Government Pension Fund Managers Considers P2P Lending Allocation](https://www.p2p-banking.com/uncategorized-meeting-of-government-pension-fund-managers-considers-p2p-lending-allocation/) - Will government pension funds invest in p2p lending soon?
- [Saving Stream Rebrands as Lendy](https://www.p2p-banking.com/countries/uk-saving-stream-rebrands-as-lendy/) - Saving Stream is rebranded Lendy
- [P2P Lending Marketplace Relendex Receives Full FCA Authorisation](https://www.p2p-banking.com/countries/uk-p2p-lending-marketplace-relendex-receives-full-fca-authorisation/) - Relendex gets full FCA authorisation. Next step is to launch an IFISA offering
- [Moneything Gains Full FCA Authorisation](https://www.p2p-banking.com/countries/uk-moneything-gains-full-fca-authorisation/) - Moneything gets full FCA approval
- [Fellow Finance P2P Lending - My Portfolio and Strategy](https://www.p2p-banking.com/countries/finland-fellow-finance-p2p-lending-my-portfolio-and-strategy/) - What is Fellow Finance? A Finnish p2p lending marketplace. See my portfolio review and strategy
- [Interview with Dimitri Kouchnirenko, Founder of Incomlend](https://www.p2p-banking.com/countries/asian-interview-with-dimitri-kouchnirenko-founder-of-incomlend/) - Dimitri Kouchnirenko, founder of Incomlend, reviews the advantage of the invoice financing fintech from Singapore for global investors and suppliers
- [Beehive is the First P2P Lending Marketplace to Receive Approval by DFSA](https://www.p2p-banking.com/countries/asian-beehive-is-the-first-p2p-lending-marketplace-to-receive-approval-by-dfsa/) - P2P lending service Beehive receives regulatory approval by DFSA in Dubai
- [International P2P Lending Statistics February 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-statistics-february-2017/) - Loan volumes statistics for over 40 international p2p lending marketplaces. >Funding Circle crosses 2 billion GBP in loans funded milestone
- [Rebuilding Society Receives Full FCA Authorisation](https://www.p2p-banking.com/countries/uk-rebuilding-society-receives-full-fca-authorisation/) - Rebuilding Society gets full FCA authorisation
- [Lendix Review - First Repayment](https://www.p2p-banking.com/countries/france-lendix-review-first-repayment/) - Review of my start as investor on p2p lending marketplace Lendix. Get 20 EUR bonus as new investor if you invest at least 500 EUR.
- [Finbee Adds Business Loans](https://www.p2p-banking.com/countries/baltic-finbee-adds-business-loans/) - Finbee p2p lending marketplace now lists SME loans to invest into
- [Bitcoin Based P2P Lending Service Bitbond Raises 1.1M EUR Round](https://www.p2p-banking.com/countries/germany-bitcoin-based-p2p-lending-service-bitbond-raises-1-1m-eur-round/) - Bitbond raises 1.1M EUR from business angels
- [Landbay Launches IF ISA Offer Today](https://www.p2p-banking.com/countries/uk-landbay-launches-if-isa-offer-today/) - Landbay launches IF ISA product
- [Survey Open for New Study on Asian Fintech](https://www.p2p-banking.com/countries/china-survey-open-for-new-study-on-asian-fintech/) - Invitation. The University of Cambridge, Monash Business School and Tsinghua University launch the 2016-2017 Asia Pacific Alternative Finance Industry Survey.
- [Auswide Bank Takes Over Controlling Majority of P2P Lending Service MoneyPlace in Australia](https://www.p2p-banking.com/countries/australia-auswide-bank-takes-over-controlling-majority-of-p2p-lending-service-moneyplace-in-australia/) - Auswide Bank increase equity stake in p2p lending service Moneyplace to above 50%.
- [Interview with Frédéric Dujeux, Co-Founder of Mozzeno](https://www.p2p-banking.com/countries/belgium-interview-with-frederic-dujeux-co-founder-of-mozzeno/) - Interview with Frédéric Dujeux on the launch of Belgian consumer loan marketplace Mozzeno
- [Interview with Eduards Lapkovskis, CEO of VIAINVEST](https://www.p2p-banking.com/countries/baltic-interview-with-eduards-lapkovskis-ceo-of-viainvest/) - Interview with the CEO of VIAINVEST, Eduards Lapkovskis on the new marketplace run by the VIA SMS subsidiary and the plans for the future
- [Why I Joined The Money Platform, a Short Term P2P Lender](https://www.p2p-banking.com/countries/uk-why-i-joined-the-money-platform-a-short-term-p2p-lender/) - Guest post by Kevin Allen, new CRO of FCA authorized p2p lending marketplace The Money Platform
- [Interview with Ivalyo Ivanov, CEO of Iuvo Group](https://www.p2p-banking.com/countries/baltic-interview-with-ivalyo-ivanov-ceo-of-iuvo-group/) - Interview with Ivalyo Ivanov, CEO of p2p lending marketplace Iuvo Group that launched with an Bulgarian loan originator.
- [Huge Spike in Deposits Reported After Lending Works IFISA Launched](https://www.p2p-banking.com/countries/uk-huge-spike-in-deposits-reported-after-lending-works-ifisa-launched/) - Lending Works p2p lending marketplace starts IFISA offer with rates 4 to 4.7% for investors. Sees huge demand in first hours.
- [Interview with Arturas Stukalo, CMO of Lenndy](https://www.p2p-banking.com/countries/baltic-interview-with-arturas-stukalo-cmo-of-lenndy/) - Interview with Arturas Stukalo, CMO of p2p lending platform Lenndy in Lithuania
- [International P2P Lending Volumes January 2017](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-january-2017/) - Loan volumes statistics for over 40 p2p lending marketplaces. Zopa crosses 2 billion GBP in loans funded milestone
- [Aegon to Invest 1.5 Billion EUR in Auxmoney Loans; Leads 15M Series E](https://www.p2p-banking.com/countries/germany-aegon-to-invest-1-5-billion-eur-in-auxmoney-loans-leads-15m-series-e/) - Aegon to invest 1.5 billion EUR in p2p loans on erman platform Auxmoney. Leads 15M Series E round of Auxmoney
- [German P2P Lending Market - Short News](https://www.p2p-banking.com/countries/germany-german-p2p-lending-market-short-news/) - Operative results of Auxmoney, Lendico and Funding Circle CE in the German market
- [Interview with Loic Le Pichoux, CEO of Klear](https://www.p2p-banking.com/countries/bulgaria-interview-with-loic-le-pichoux-ceo-of-klear/) - What is Klear about? Klear is a Peer to Peer Consumer lending platform. We target Prime Bulgarian Borrowers. We pre-fund the loans, then we list them on the market where investors from EU and EEA can buy parts of them. Klear has been built by a team of professionals from the consumer credit industry. Almost
- [Linked Finance and Eiffel Investment Group Cooperate to Lend to Irish SMEs](https://www.p2p-banking.com/countries/ireland-linked-finance-and-eiffel-investment-group-cooperate-to-lend-to-irish-smes/) - Linked Finance and French investment company Eiffel Investment Group announce deal to fund SME loans in Ireland
- [Workinvoice Completes Securitization](https://www.p2p-banking.com/countries/italy-workinvoice-completes-securitization/) - P2P Lending platform Workinvoice in Italy completes securitization.
- [Funding Circle Raises 100M US$ from Accel and further VCs](https://www.p2p-banking.com/countries/uk-funding-circle-raises-100m-us-from-accel-and-further-vcs/) - Funding Circle raises 100M US$ in round led by Accel Partners
- [Investing in British Properties Through Property Partners](https://www.p2p-banking.com/countries/uk-investing-in-british-properties-through-property-partners/) - See an easy way to invest in multiple British properties, even if you live abroad. Earn £50 cashback, if you invest at least £1000
- [Lendico Quietly Stops Origination of New Consumer Loans in German Market](https://www.p2p-banking.com/countries/germany-lendico-quietly-stops-origination-of-new-consumer-loans-in-german-market/) - No more consumer loans issued by Lendico in Germany
- [International P2P Lending Volumes December 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-december-2016/) - Loan volumes statistics for over 40 p2p lending marketplaces. Funding Circle ahead of Ratesetter and Zopa
- [I Started a Zlty Melon Test Portfolio](https://www.p2p-banking.com/countries/czechrepublic-i-started-a-zlty-melon-test-portfolio/) - First impressions and experiences of my p2p lending test portfolio on the Zlty Melon marketplace
- [FCA Publishes Interim Feedback Following a Call for Input to the Post-Implementation Review of the Rules for Crowdfunding](https://www.p2p-banking.com/countries/uk-fca-publishes-interim-feedback-following-a-call-for-input-to-the-post-implementation-review-of-the-rules-for-crowdfunding/) - In August the FCA posted a call for input preceeding a planned review of the current regulation of p2p lending and crowdfunding for equity. Today the FCA publishes interim feedback. The feedback statement provides a first response to the feedback received and sets out next steps. Based on a review of the feedback received, issues
- [Zopa with New Look](https://www.p2p-banking.com/countries/uk-zopa-with-new-look/) - Zopa changes design and have stopped accepting new lender deposits in December
- [Interview: Wellesley Pitches to Raise 1.5M from the Crowd](https://www.p2p-banking.com/countries/uk-interview-wellesley-pitches-to-raise-1-5m-from-the-crowd/) - UK lending marketplace Wellesley pitches to raise 1.5M GBP through a convertible from the crowd
- [International P2P Lending Volumes November 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2016/) - Loan volumes statistics for over 40 international p2p lending platforms. Funding Circle with record month.
- [Former Lending Club CEO Founds Credify Finance](https://www.p2p-banking.com/countries/us-former-lending-club-ceo-founds-credify-finance/) - Renauld Laplanche wants to reenter the market with new company Credify Finance
- [Breaking: Zopa will Launch a Bank](https://www.p2p-banking.com/countries/uk-breaking-zopa-will-launch-a-bank/) - P2P Lending Marketplace will launch and operate a bank in the UK
- [Investly Unveils New Investor Dashboard Design](https://www.p2p-banking.com/countries/uk-investly-unveils-new-investor-dashboard-design/) - Invoice discounting platform investly launches new design of investor dashboard. See some screenshots here
- [Fundedbyme is now a recognized p2p lending operator in Malaysia](https://www.p2p-banking.com/countries/asian-fundedbyme-receives-p2p-lending-license-in-malaysia/) - Fundedbyme receives p2p lending license in Malaysia
- [International P2P Lending Volumes October 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-oktober-2016/) - Loan volumes statistics for over 40 international p2p lending platforms. Europe, Asia, America
- [Interview with Ivan Pellegrini, CEO of Borsadelcredito](https://www.p2p-banking.com/countries/italy-interview-with-ivan-pellegrini-ceo-of-borsadelcredito/) - Interview with the co-founder of Borsadelcredito, an italian p2p lending market, facilitating loans to SMEs
- [Zopa Runs Hackathon](https://www.p2p-banking.com/countries/uk-zopa-runs-hackathon/) - Zopa is the first p2p lending marketplace to run a hackathon called Zopathon. Participants a challenged to code something 'that makes interest rates more interesting'. I have seen several hackathons in the fintech space but usually they are organized by banks, service providers or accelerators and none were p2p lending specific. Zopa says they will
- [Lending Club Launches Auto Refinance Loans](https://www.p2p-banking.com/services/lendingclub-lending-club-launches-auto-refinance-loans/) - Lening Club introduces auto loans for borrowers in California
- [Post Brexit: Bondora Plans European Office in Germany Instead of London](https://www.p2p-banking.com/countries/germany-post-brexit-bondora-plans-european-office-in-germany-instead-of-london/) - Bondora decides against London and in favour for Germany for new office.
- [Banque Postale Invests in Wesharebonds - Takes 10% Stake](https://www.p2p-banking.com/countries/france-banque-postale-invests-in-wesharebonds-takes-10-stake/) - France: La Banque postale invests into fintech Wesharebonds
- [Lendico Stops Origination of Consumer Loans in the Dutch Market](https://www.p2p-banking.com/countries/netherlands-lendico-stope-origination-of-consumer-loans-in-the-dutch-market/) - Lendico stops consumer loans in dutch market, concentrates on loans to companies
- [Bondora Removes Primary Marketplace From User Interface](https://www.p2p-banking.com/countries/baltic-bondora-remove-primary-marketplace-from-user-interface/) - Bondora pulls ability to manually invest through web interface on primary market
- [Trading Insights on the Finbee Secondary Market](https://www.p2p-banking.com/countries/baltic-trading-insights-on-the-finbee-secondary-market/) - Review of my trading experiences on the Finbee secondary market. Answers to some obvious questions.
- [The Regulatory Framework for P2P Lending Industry in Thailand  : A Consultation Paper issued by the Bank of Thailand](https://www.p2p-banking.com/countries/asian-the-regulatory-framework-for-p2p-lending-industry-in-thailand-a-consultation-paper-issued-by-the-bank-of-thailand/) - Bank of Thailand publishes guidance on regulation of peer-to-peer lending
- [Lending Works Gets Full FCA Authorisation](https://www.p2p-banking.com/countries/uk-lending-works-gets-full-fca-authorisation/) - Lending Works gets full FCA approval, plans IF ISA launch in January
- [My Lendit Europe 2016 Recap](https://www.p2p-banking.com/uncategorized-my-lendit-europe-2016-recap/) - My recap of Lendit Europe 2016 conference in London, industry event of the European p2p lending industry.
- [International P2P Lending Services - Loan Volumes September 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-september-2016/) - Table of loan volumes statistics for over 40 international p2p lending marketplaces in Europe and overseas
- [Smava Raises 34M US$ Series C](https://www.p2p-banking.com/services/smava-smava-raises-34m-us-series-c/) - Runa Capital, Verdane Capital, mojo.capital and existing investors including Earlybird Venture Capital have invested $34 million into smava
- [Prosper Closes Secondary Market](https://www.p2p-banking.com/services/prosper-prosper-closes-secondary-market/) - Prosper announce closure of FolioFn secondary market feature. What could have caused this decision and what it means for the p2p lending industry
- [My Bondmason Test - Review at Start](https://www.p2p-banking.com/countries/uk-my-bondmason-test-review-at-start/) - I test Bondmason a UK service that automates investment in p2p lending - interesting for passive investors - my initial review in day 6
- [BLender Begins International Expansion and Offers Cross-Border Peer-to-Peer Lending](https://www.p2p-banking.com/countries/italy-blender-begins-international-expansion-and-offers-cross-border-peer-to-peer-lending/) - Israeli p2p lending startup BLender expands to Italy and the Baltics, opens offices in Milan and Lithuania
- [Ratesetter Reports Rising Revenue & Pre-Tax Loss](https://www.p2p-banking.com/countries/uk-ratesetter-reports-rising-revenue-pre-tax-loss/) - RateSetter publishes accounts for 2015-16. Revenue up 46%. Pre-tax loss of £4.9m.
- [See You Next Month at Lendit Europe](https://www.p2p-banking.com/countries/uk-see-you-next-month-at-lendit-europe/) - Use discount code Wiseclerk16VIP for 15% rebate to register at Lendit London p2p lending and marketplace lending conference in October 2016
- [Discussion Paper on P2P Lending Published by Deutsche Bundesbank](https://www.p2p-banking.com/countries/germany-discussion-paper-on-p2p-lending-published-by-deutsche-bundesbank/) - Study on role of p2p lending in German consumer lending. Looks at Auxmoney loan data
- [UK App Pariti Sells Zopa Loans](https://www.p2p-banking.com/countries/uk-uk-app-pariti-sells-zopa-loans/) - UK app Pariti partners with Zopa to sell loans
- [New European Alternative Finance Industry Report - Sustaining Momentum](https://www.p2p-banking.com/countries/germany-new-european-alternative-finance-industry-report-sustaining-momentum/) - New alternative finance study Sustaining Momentum covering developments of crowdfunding, p2p lending, equity investments, invoice trading in Europe in 2015.
- [International P2P Lending Marketplaces - Loan Volumes August 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplaces-loan-volumes-august-2016/) - Review of loan volumes statistics for over 40 international p2p lending marketplaces in Europe and international
- [Fellow Finance Adds SME Loans](https://www.p2p-banking.com/countries/finland-fellow-finance-adds-sme-loans/) - Finland - p2p lending marketplace Fellow Finance adds SME loans
- [Two Years of Investing in Property Development Loans at Estateguru](https://www.p2p-banking.com/countries/baltic-two-years-of-investing-in-property-development-loans-at-estateguru/) - Review of p2p lending marketplace Estateguru that originates property loans in Estonia
- [Mintos Reaches 50M Loan Volume Milestone](https://www.p2p-banking.com/countries/baltic-mintos-reaches-50m-loan-volume-milestone/) - Mintos reaches 50M EUR milestone
- [Interview - Finbee the First Year](https://www.p2p-banking.com/countries/baltic-interview-finbee-the-first-year/) - Interview with p2p lending marketplace Finbee operating in Lithuania and soon in Czech Republic on the occasion of the first anniversary
- [Lending Club 2nd Quarter Results 2016](https://www.p2p-banking.com/services/lendingclub-lending-club-2nd-quarter-results-2016/) - Lending Club 2nd quarter results 2016
- [Silver Bullion Reports First Year Results for Gold & Silver Secured P2P loans](https://www.p2p-banking.com/countries/asian-silver-bullion-reports-first-year-results-for-gold-silver-secured-p2p-loans/) - Silver Bullion resume after 1 year of p2p lending secured by gold and silver bullion
- [International P2P Lending Marketplaces - Loan Volumes July 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplaces-loan-volumes-july-2016/) - Overview of loan volumes of over 40 international p2p lending marketplaces in Europe and further international
- [Regulatory Development of Peer-to-Peer Lending in Taiwan](https://www.p2p-banking.com/countries/asian-regulatory-development-of-peer-to-peer-lending-in-taiwan/) - This is a guest post by Hungyi Chen, Ph.D. candidate at the Graduate School of Law, Nagoya University. He is researching alternative finance in East Asia. 1. Relevant Background Internet finance, including (1) online stored payment by non-bank, (2) crowdfunding and (3) peer-to-peer lending becomes hotly debated issues in Taiwan recently. To boost the development
- [Development and Regulation of P2P Lending and Equity-based Crowdfunding in Hongkong](https://www.p2p-banking.com/countries/china-development-and-regulation-of-p2p-lending-and-equity-based-crowdfunding-in-hongkong/) - Overview on the regulation and status of p2p lending and equity-based crowdfunding in Hongkong
- [Overview of the Regulatory Framework for P2P Lending and Equity-based Crowdfunding in Singapore](https://www.p2p-banking.com/countries/asian-overview-of-the-regulatory-framework-for-p2p-lending-and-equity-based-crowdfunding-in-singapore/) - Overview of the regulation of p2p lending and equity based crowdfunding in Singapore
- [Friday Fun: Bondora's Personalized Investment Video](https://www.p2p-banking.com/process/marketing-friday-fun-bondoras-personalized-investment-video/) - Bondora makes personalized marketing videos showing performance of individual investors
- [Lendico and PostFinance Launch Joint Venture in Switzerland](https://www.p2p-banking.com/countries/switzerland-lendico-and-postfinance-launch-joint-venture-in-switzerland/) - PostFinance and Lendico enter joint venture to launch Lendico Switzerland
- [Spain: CNMV authorizes MytripleA & Lendix as crowdlending platforms](https://www.p2p-banking.com/countries/spain-cnmv-authorizes-spains-mytriplea-as-a-crowdlending-platform/) - Spain: MytripleA achieves regulatory approval by CNMV
- [In the Case of Death](https://www.p2p-banking.com/uncategorized-in-the-case-of-death/) - Read about the procedures of p2p lending platforms when an investor dies
- [German Investors Look Beyond Borders when Using P2P Lending](https://www.p2p-banking.com/countries/germany-german-investors-look-beyond-borders-when-using-p2p-lending/) - Poll shows German investors like to place their p2p lending investments on UK and Baltic platforms.
- [International P2P Lending Services - Loan Volumes June 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-june-2016/) - Table with loan volume of over 40 international p2p lending marketplaces in Europe and further international
- [How the Brexit Influences My Personal P2P Investment Strategy](https://www.p2p-banking.com/countries/uk-how-the-brexit-influences-my-personal-p2p-investment-strategy/) - Well that was a surprise. When I went to bed last midnight the news reported more indications for a remain vote than for a leave. Even with psephologists cautioning that the referendum is very hard to predict due to the lack of comparision data from earlier votes, it seemed to me that the outcome was
- [Commerzbank will Launch P2P Lending Platform Main Funders Next Week](https://www.p2p-banking.com/countries/germany-commerzbank-will-launch-p2p-lending-platform-main-funders-next-week/) - P2P lending platform Main Funders by Commerzbank will launch and facilitate large SME loans
- [Regulation of P2P Lending in Malaysia](https://www.p2p-banking.com/countries/asian-regulation-of-p2p-lending-in-malaysia/) - Detailed analysis of regulation and requirements for p2p lending in Malaysia and comparison to FCA rules in the UK
- [International P2P Lending Services - Loan Volumes May 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-may-2016/) - Table with loan volume of over 40 international p2p lending marketplaces in Europe and global
- [Shanda Group Buys 11% Stake in Lending Club](https://www.p2p-banking.com/services/lendingclub-shanda-group-buys-11-stake-in-lending-club/) - Chinese billionaire Chen Tianqiao has bought a close to 12 percent stake in Lending Club. Singapore-based private investment group Shanda Group, which is led by Chen, said on Monday that it saw the online lender's battered stock as an attractive buying opportunity. The sale of the 11.7 percent stake comes as growth in Lending Club's
- [Zopa Partners With Online Mobile Retailer](https://www.p2p-banking.com/countries/uk-zopa-partners-with-online-mobile-retailer/) - Zopa partners with online mobile retailer Unshackled.com to finance handsets in 2 year loans
- [Zopa Launches Car Loan Refinance](https://www.p2p-banking.com/countries/uk-zopa-launches-car-loan-refinance/) - Zopa adds refinancing loans for cars, secured by the car
- [Feeding Creatures of Habit](https://www.p2p-banking.com/investor-feeding-creatures-of-habit/) - Feeding creatures of habit - thoughts for zoo managers at p2p lending marketplaces
- [Results of a Study Among Spanish Investors](https://www.p2p-banking.com/countries/spain-results-of-a-study-among-spanish-investors/) - Spain: P2P Lending marketplace Arboribus surveyed 1,500 investors
- [US Treasury Issues Whitepaper on Marketplace Lending](https://www.p2p-banking.com/countries/us-us-treasury-issues-whitepaper-on-marketplace-lending/) - After reviewing information obtained through an RFI the US treasury today published a whitepaper on marketplace lending. The white paper titled, “Opportunities and Challenges in Online Marketplace Lending,” provides an overview of what the Treasury Department heard in response to its Request for Information, and it contains research on and recommendations for the industry. Executive
- [Lending Club 1st Quarter Results 2016](https://www.p2p-banking.com/services/lendingclub-lending-club-1st-quarter-results-2016/) - Lending Club (LC) first quarter results 2016
- [Lending Club 4th Quarter Results](https://www.p2p-banking.com/services/lendingclub-lending-club-4th-quarter-results/) - Lending Club announced the result for the 4th quarter of 2015 today. I added the results document here: https://www.p2p-banking.com/wp-content/uploads/q4_2016_lc160211_presentation.pdf (Source Lending Club).
- [Lending Club CEO Renaud Laplanche Resigns](https://www.p2p-banking.com/services/lendingclub-lending-club-ceo-renaud-laplanche-resigns/) - Renaud Laplanche resigns as Lending Club CEO.
- [Is the Wheat Quietly Separating From the Chaff?](https://www.p2p-banking.com/countries/uk-is-the-wheat-quietly-separating-from-the-chaff/) - Some of the smaller p2plending marketplaces are struggeling. What will happen to them?
- [International P2P Lending Marketplace Table - Loan Volumes April 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplace-table-loan-volumes-april-2016/) - Table with loan volume of over 40 international p2p lending marketplaces
- [A Look At My Current Bondora Portfolio](https://www.p2p-banking.com/process/defaults-a-look-at-my-current-bondora-portfolio/) - Review of my current Bondora p2p lending portfolio at the end of April 2016.
- [Merger Between a P2P Lending Marketplace and an Equity-Based Crowdfunding Platform](https://www.p2p-banking.com/countries/germany-merger-between-a-p2p-lending-marketplace-and-an-equity-based-crowdfunding-platform/) - Kapilendo and Venturate merge. The new Kapilendo will offer both p2p lending and crowdfunding for equity.
- [German Bank Commerzbank Plans to Launch Own P2P Lending Marketplace Within First Half of 2016](https://www.p2p-banking.com/countries/germany-german-bank-commerzbank-plans-to-launch-own-p2p-lending-marketplace-within-first-half-of-2016/) - Commerzbank will launch Main Funders, a peer-to-peer lending marketplace in Q2 2016. First p2p lending marketplace launched by a German bank itself.
- [Interview with Robin Buschmann, CEO of Giromatch](https://www.p2p-banking.com/countries/germany-interview-with-robin-buschmann-ceo-of-giromatch/) - Read an interview with the founder of Giromatch, a newly launched German p2p lending marketplace. He says banks could reduce costs through outsourcing & coop.
- [My Finbee P2P Lending Portfolio after 8 Months](https://www.p2p-banking.com/countries/baltic-my-finbee-p2p-lending-portfolio-after-8-months/) - A look at my Finbee p2p lending portfolio with my preliminary results, experiences and strategy reviewed
- [I Opened a MoneyThing Account](https://www.p2p-banking.com/countries/uk-i-opened-a-moneything-account/) - I opened an account to invest on p2p lending marketplace Moneyplace. My step by step review.
- [SocietyOne Raises 25M](https://www.p2p-banking.com/countries/australia-societyone-raises-25m/) - SocietyOne, an Australian p2p lending marketplace announced that it completed a 25M AUD round, supported by its existing shareholders. In 2014 Westpac owned Reinventure invested into SocietyOne. SocietyOne is led by CEO Jason Yetton, a former Westpac executive, who was appointed in March. The SocietyOne loanbook is currently over 100M AUD. Yetton with founders Symons
- [How to Open a UK Bank Account Online](https://www.p2p-banking.com/countries/uk-how-to-open-a-uk-bank-account-online/) - Tip: How to best open a UK bank account online as a non-resident from abroad via a phone. Available anywhere in Europe.
- [Interview with Gideon Valkin, CEO of FriendlyScore](https://www.p2p-banking.com/countries/uk-interview-with-gideon-valkin-ceo-of-friendlyscore/) - Interview with Friendlyscore CEO on what their service could do to improve scoring for p2p lending marketplaces
- [Fellow Finance Expands to Poland](https://www.p2p-banking.com/countries/poland-fellow-finance-expands-to-poland/) - P2P Lending plfatform Fellow Finance enters Poland
- [Marketplaces Step Up Incentives for Investors](https://www.p2p-banking.com/countries/uk-marketplaces-step-up-incentives-for-investors/) - Funding Circle is offering iPads to investors who step up their lending in a spring promotion
- [Google Advertising Lending Club Loans](https://www.p2p-banking.com/services/lendingclub-google-advertising-lending-club-loans/) - I have written about the partnership between Google and Lending Club earlier. The image below shows an actual advertising message Google is sending to its Adwords customers. Note that a special loan is offered, not a standard Lending Club loan. This partnership is a great match for both Google and Lending Club. Google can enable
- [International P2P Lending Statistics - March 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-statistics-march-2016/) - Report on P2P lending growth statistics for over 40 international marketplaces
- [Live Stream of the P2P lending Conference in Vilnius presented by Savy*](https://www.p2p-banking.com/video-live-stream-of-the-p2p-lending-conference-in-vilnius-presented-by-savy/) - The first P2P lending platform in Lithuania, SAVY, is organizing their second annual P2P lending conference on the 23rd of March in Vilnius, Lithuania. Guest speakers from all over the world, including the co-founder of LendIt Conference Jason Jones and the leaders of the top Baltic P2P lending companies – Mintos, Bondora and SAVY, amongst
- [Between the Towers in March](https://www.p2p-banking.com/countries/germany-between-the-towers-in-march/) - Yesterday I attended the 'Between the Towers' event in Frankfurt, which is organized by Mainincubator, the Commerzbank backed fntech incubator. The event format features a keynote speaker, followed by 4 startups delivering 7 minute pitches. Personally I found CRX Markets the most interesting concept. Pitched by co-founder Moritz von der Linden, the company, which is
- [P2P Lending Marketplace Afluenta Raises 8M Series B From IFC and Elevar Equity](https://www.p2p-banking.com/countries/latinamerica-p2p-lending-marketplace-afluenta-raises-8m-series-b-from-ifc-and-elevar-equity/) - P2P Lending network Afluenta raises 8M Series B for further expansion plans
- [Twino to Remove Currency Risk for UK Investors](https://www.p2p-banking.com/countries/uk-twino-to-remove-currency-risk-for-uk-investors/) - Twino plans to offer GBP currency accounts for UK investors to shield them against currency risks
- [LendInvest Raises 17M GBP Series B from Atomico](https://www.p2p-banking.com/countries/uk-lendinvest-raises-17m-gbp-series-b-from-atomico/) - Atomico invests in Series B round of Lendinvest
- [Which P2P Lending Marketplace Do You Recommend?](https://www.p2p-banking.com/investor-which-p2p-lending-marketplace-do-you-recommend/) - Why I struggle to answer that natural question and what I actually do answer on it and still don't think that answer is perfect.
- [Impressions from the P2P Investing Day in Prague](https://www.p2p-banking.com/countries/czechrepublic-impressions-from-the-p2p-investing-day-in-prague/) - Reprot from the Symvest 2016 conference in Prague on p2p lending, crowdfunding and angel investing
- [Bondora Enhances Reporting Feature](https://www.p2p-banking.com/video-bondora-enhances-reporting-feature/) - Video explaing new Bondora Cash Flow page functionality
- [International P2P Lending Marketplace List - Loan Volumes February 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplace-list-loan-volumes-february-2016/) - P2P lending loan volume figures for a list of more than 40 marketplaces.
- [Auxmoney Raises Series D from Seven Ventures](https://www.p2p-banking.com/countries/germany-breaking-auxmoney-raises-series-d-from-seven-ventures/) - Media company ProSiebenSat1 invests into Auxmoney
- [Mintos Raises 2M from Skillion Ventures](https://www.p2p-banking.com/countries/poland-mintos-raises-2m-from-skillion-ventures/) - Mintos raises 2m EUR venture capital from Skillion Ventures
- [Pitch Open For Investment Into Landbay Shares](https://www.p2p-banking.com/countries/uk-crowdfunding-pitch-open-for-investment-into-landbay-shares/) - Landbay currently raises 1 million GBP via equity based crowdfunding. Pitch currently open for investments starting with 85 pounds. Read more.
- [Deutsche Börse Venture Networks Backs Cashare](https://www.p2p-banking.com/countries/switzerland-deutsche-borse-venture-networks-backs-cashare/) - Deutsche Börse Venture Network adds Swiss p2p lending marketplace Cashare to its program. The program by the German stock exchange is designed to aid innovatice companies to get better access to financing from investors. Cashare was established in 2008 and facilitates loans to consumers and SMEs in Switzerland on its marketplace. According to the website
- [UK P2P Lending Grows Over 80% Percent in 2015](https://www.p2p-banking.com/countries/uk-uk-p2p-lending-grows-over-80-percent-in-2015/) - New report by Nesta and University of Cambridge with lots of data on the alternative finance market 2015 in UK. Published February 2016
- [Zopa Unveils Zopa Classic, Zopa Access and Zopa Plus](https://www.p2p-banking.com/countries/uk-zopa-unveils-zopa-classic-zopa-access-and-zopa-plus/) - Zopa announces new product offers: Zopa Classic, Zopa Access and Zopa Plus
- [Crosslend: Cashback and Dutch loans](https://www.p2p-banking.com/countries/netherlands-crosslend-cashback-and-dutch-loans/) - Crosslend introduces Dutch loans, launches cashback bonus
- [Harmoney Completes 8.5M Series B](https://www.p2p-banking.com/countries/australia-harmoney-completes-8-5m-series-b/) - Harmoney, a p2p lending marketplace operating in New Zealand and Australia has completed the sale of $8.5M of Series B shares to a US-based investor and UK-based P2P Global Investments PLC (P2PGI). The Series B round values Harmoney at $109M. This development comes as Harmoney moves towards the milestone of having facilitated loans totalling $200
- [Folk2Folk to Raise 1.5M to Aid National Expansion](https://www.p2p-banking.com/countries/uk-folk2folk-to-raise-1-5m-to-aid-national-expansion/) - Folk2Folk offers equity in the marketplace platform, seeking to raise 1.5 million GBP for new shares
- [RateSetter Becomes First Major Marketplace Lender to Offer ‘Easy Access’](https://www.p2p-banking.com/countries/uk-ratesetter-becomes-first-major-marketplace-lender-to-offer-easy-access/) - Ratesetter improved liquidity for investors by removing all early exit fees (sell out fees) from its monthly investment market
- [Interview: Commuterclub Pitches to Raise 650K from the Crowd](https://www.p2p-banking.com/countries/uk-interview-commuterclub-pitches-to-raise-650k-from-the-crowd/) - Startup Commuterclub is pitching to raise 650,000 GBP through crowdfunding for equity. Interview with the founder.
- [Interview with Gregor Gregersen, CEO of Silver Bullion](https://www.p2p-banking.com/countries/asian-interview-with-gregor-gregersen-ceo-of-silver-bullion/) - Gregor Gregersen explains the p2p lending offer of the gold and silver storage service, Silver Bullion operates in Singapore
- [International P2P Lending Loan Volumes January 2016](https://www.p2p-banking.com/countries/germany-international-p2p-lending-loan-volumes-january-2016/) - P2P lending loan volume figures for more than 40 marketplaces.
- [Unbolted Partners with H&H Classics](https://www.p2p-banking.com/countries/uk-unbolted-partners-with-hh-classics/) - Unbolted Partners with H&H Classics helps classic car and motorcycle consignors gain access to liquidity much faster
- [Investly Launches Invoice Finance for UK SMEs; Raised 600K from Speedinvest](https://www.p2p-banking.com/uncategorized-investly-launches-invoice-finance-for-uk-smes-raised-600k-from-speedinvest/) - Investly launches invoice finance option for UK SMEs. Easy online application. Investly raised 600,000 EUR from Austrian VC Speedinvest
- [Mintos - My P2P Lending Portfolio After Year One](https://www.p2p-banking.com/countries/baltic-mintos-my-p2p-lending-portfolio-after-year-one/) - Review of my Mintos p2p lending portfolio after 1 year of investing. Strategy, experiences, results.
- [Interview with Craig Moore, CEO of Beehive](https://www.p2p-banking.com/countries/asian-interview-with-craig-moore-ceo-of-beehive/) - Interview with Craig Moore, CEO and Founder of the p2p lending marketplace Beehive in the United Arab Emirates (UAE)
- [Saving Stream - My Loan Portfolio after Year One](https://www.p2p-banking.com/countries/uk-saving-stream-my-loan-portfolio-after-year-one/) - My experiences with lending at the p2p lending service Saving Stream in the UK in the past year.
- [Interview with Andris Rozenbahs, COO of Viventor](https://www.p2p-banking.com/countries/spain-interview-with-andris-rozenbahs-coo-of-viventor/) - Interview with Andris Rozenbahs on the plans future and challenges of p2p lending marketplace Viventor
- [Fun: P2P Lending Quiz 2016 (Europe Centric)](https://www.p2p-banking.com/uncategorized-fun-p2p-lending-quiz-2016-europe-centric/) - Test you p2p lending know-how with this fun p2p lending quiz. Are you up for the challenge?
- [My First Bids in Invoice Finance Loans](https://www.p2p-banking.com/countries/baltic-my-first-bids-in-invoice-finance-loans/) - My first bids in invoice discounts on p2p lending marketplaces Investly and Mintos
- [Interview with Kelvin Teo and Reynold Wijaya, Founders of Funding Societies](https://www.p2p-banking.com/countries/asian-interview-with-kelvin-teo-and-reynold-wijaya-founders-of-funding-societies/) - Interview with Kelvin Teo and Reynold Wijaya of Funding Societies a p2p lending marketplace for business loans in Singapore
- [International P2P Lending Services - Loan Volumes December 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-december-2015/) - Loan volumes of over 35 major p2p lending services for loans originated in December 2015
- [Year End Review of My Bondora Portfolio](https://www.p2p-banking.com/countries/baltic-year-end-review-of-my-bondora-portfolio/) - Update on my Bondora p2p lending investment portfolio 12/2015 after 3 years of investing on this marketplace
- [Ratesetter Updates Legal Structure of the Provision Fund](https://www.p2p-banking.com/countries/uk-ratesetter-updates-legal-structure-of-the-provision-fund/) - Ratesetter announce changes in legal structure of provision fund. No impact on day to day operations and the offer to investors
- [MoneyPlace and Auswide Bank Enter into Strategic Relationship](https://www.p2p-banking.com/countries/australia-moneyplace-and-auswide-bank-enter-into-strategic-relationship/) - Auswide Bank takes 20 percent equity stake in Australian p2plending platform MoneyPlace
- [How Lendico Uses FinTecSystems to Streamline Borrower Application Process](https://www.p2p-banking.com/countries/germany-how-lendico-uses-fintecsystems-to-streamline-borrower-application-process/) - In Germany p2p lending marketplace Lendico uses a solution offered by startup FintecSystems to simplify the borrower application process. Automatically accessing online banking data for the past 90 days of the applying borrower the service makes the postal submission of bank statements and certificates of salary via postal services redundant. This saves time and costs
- [Interview with Sebastian Harung, Founder of Kameo](https://www.p2p-banking.com/countries/denmark-interview-with-sebastian-harung-founder-of-kameo/) - Interview with Sebastian Harung, founder of Scandinavian p2p lending marketplace Kameo
- [Interview with Vytautas Zabulis, CEO and Co-Founder of Savy](https://www.p2p-banking.com/countries/baltic-interview-with-vytautas-zabulis-ceo-and-co-founder-of-savy/) - Interview with Vytautas Zabulis, CEO of p2p lending marketplace Savy
- [International P2P Lending Volumes November 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-volumes-november-2015/) - Loan volumes of over 35 major p2p lending services for loans originated in October 2015
- [Lithuania Will Regulate P2P Lending Starting February 1st, 2016](https://www.p2p-banking.com/countries/baltic-lithuania-will-regulate-p2p-lending-starting-february-1st-2016/) - Lithuania will enact new regulation for p2p lending to consumers on Feb. 1st, 2016
- [Interview with Josep Nebot, Co-Founder of Arboribus](https://www.p2p-banking.com/countries/spain-interview-with-josep-nebot-co-founder-of-arboribus/) - Josep Nebot answers my questions about Arboribus a p2p lending marketplace for SME loans in Spain
- [LendingRobot Adds Functionality to Invest into FundingCircle US loans](https://www.p2p-banking.com/countries/us-lendingrobot-adds-functionality-to-invest-into-fundingcircle-us-loans/) - LendingRobot Adds Support for Accredited Investors to Automate their p2p lending investments in Funding Circle US loans
- [P2P Lending In Spain – The Current Situation](https://www.p2p-banking.com/countries/spain-p2p-lending-in-spain-the-current-situation/) - The spanish peer to peer lending market. Developments, regulation, outlook
- [International P2P Lending Marketplaces - Loan Volumes October 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplaces-loan-volumes-october-2015/) - Loan volumes of over 35 major p2p lending services for loans originated in October 2015
- [Interview with Sergio Antón, Co-Founder of MytripleA](https://www.p2p-banking.com/countries/spain-interview-with-sergio-anton-co-founder-of-mytriplea/) - MytripleA co-founder Sergio Antón on the development of his Spanish p2p lending marketplace and the importance of SME loans in Spain
- [Technological Revolutions and Financial Capital](https://www.p2p-banking.com/uncategorized-technological-revolutions-and-financial-capital/) - Book about the interplay between technological evolution and finance
- [Interview with Alejandro Cosentino, CEO of Afluenta](https://www.p2p-banking.com/countries/latinamerica-interview-with-alejandro-cosentino-ceo-of-afluenta/) - P2P Lending Marketplace Afluenta CEO Alejandro Cosentino talks about expansion into new markets, inflation, regulations and banks that need to change
- [P2P Lending in Ireland](https://www.p2p-banking.com/countries/ireland-p2p-lending-in-ireland/) - The current state of p2p lending in the Irish market. Market overview, regulation, challenges and opprotunities
- [Calculating Yield with XIRR](https://www.p2p-banking.com/investor-calculating-yield-with-xirr/) - An investor on how to calculate yield for a p2p lending portfolio using Excel and XIRR function
- [Lending Club with Good Third Quarter Results](https://www.p2p-banking.com/services/lendingclub-lending-club-with-good-third-quarter-results/) - Renaud Laplance, CEO Lending Club says it was Lending Club's best capital ever
- [My LendIt Europe 2015 Recap](https://www.p2p-banking.com/countries/uk-my-lendit-europe-2015-recap/) - LendIt Europe conference in London, where I have been the last three days, was a special highlight for me. The expertise and knowledge level of the attendees as well as the quality of the presentations is outstanding. The number of attendees jumped from from about 450 last year to more than 750 this year. And
- [What does the Funding Circle / Zencap Deal Mean?](https://www.p2p-banking.com/countries/germany-what-does-the-funding-circle-zencap-deal-mean/) - The big news at LendIt conference this week in London was that Funding Circle announced the acquisition of German marketplace Zencap. Zencap launched in March 2014 and facilitated SME loans in Germany, the Netherlands and Spain. Working with local teams, the IT infrastructure is run from the headquarter in Berlin. Samir Desai announcing the acquisition
- [Breaking News: Trustbuddy Suspends Operations - Investigations on Misconduct](https://www.p2p-banking.com/countries/netherlands-breaking-news-trustbuddy-suspends-operations-investigations-on-misconduct/) - UPDATE Oct., 19th: Trustbuddy has filed for bankruptcy An investigation initiated by the new management of TrustBuddy AB has indicated serious misconduct within the company. The Board of Directors has informed Nasdaq OMX and the Swedish FSA about the situation, and the FSA has demanded that TrustBuddy is to stop offering its services with immediate
- [New Twino CEO has Big Expansion Plans](https://www.p2p-banking.com/countries/poland-new-twino-ceo-has-big-expansion-plans/) - New Twino CEO on the expansion plans for Twino (Poland, ...) and facilitating wishes of investors
- [ING Partners with Equity Crowdfunding Site Seedrs to Tackle Belgium and Luxembourgh Markets](https://www.p2p-banking.com/countries/belgium-ing-partners-with-equity-crowdfunding-site-seedrs-to-tackle-belgium-and-luxembourgh-markets/) - ING Bank partners with equity crowdfunding service Seedrs and reward based crowdfunding platform Kisskissbankbank to tackle the markets in Belgium and Luxembourg. Through this partnership, ambitious businesses will have a fast-track service for equity crowdfunding on Seedrs. The partnership will also raise the awareness of equity crowdfunding in the wider business community. During consultations with
- [Whatthefintech](https://www.p2p-banking.com/uncategorized-whatthefintech/) - Some impressions from the WhattheFintech2 event
- [Rumour: Is Funding Circle Buying Zencap?](https://www.p2p-banking.com/countries/germany-rumour-is-funding-circle-buying-zencap/) - Is Funding Circle interested/in the process of buying Zencap?
- [P2P Lending Marketplace Ratesetter Turns Five](https://www.p2p-banking.com/countries/uk-p2p-lending-marketplace-ratesetter-turns-five/) - Marketplace Ratesetter celebrates 5th anniversary
- [Why do we Need P2P Lending in India?](https://www.p2p-banking.com/countries/india-why-do-we-need-p2p-lending-in-india/) - Sunil Kumar on the reasons why p2p lending is needed in India
- [Crowdfunding – Dutch investors – where to go?!](https://www.p2p-banking.com/countries/netherlands-crowdfunding-dutch-investors-where-to-go/) - State of the Dutch crowdfunding market with special emphasis on p2p lending and a look into the tax situation for investors.
- [International P2P Lending Statistics - Loan Volumes September 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-statistics-loan-volumes-september-2015/) - Check the loan volumes for over 30 p2p lending marketplaces in Europe.
- [International P2P Lending Services - Loan Volumes December 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-december-2014/) - Several p2p lending marketplaces managed to grow the loan originations in December despite the Christmas season. Especially Prosper had a record month. I added one more service. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly
- [International P2P Lending Services - Loan Volumes January 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-jan-2015/) - Most major services grew the originated loan volume in January. Prosper, like Lending Club before, no longer makes data available for the recent month. Funding Circle passed the milestone of 500M GBP lent since inception, while Auxmoney crossed 150M EUR. I added Investly and Mintos. I do monitor development of p2p lending figures for many
- [International P2P Lending Services - Loan Volumes February 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-february-2015/) - See a comparision table of loan volumes originated by major p2p lending marketplaces in February 2015. Figures for over 30 services.
- [International P2P Lending Sites - Loan Volumes March 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-sites-loan-volumes-march-2015/) - Loan volumes for over 30 international p2p lending sites in March.
- [International P2P Lending Marketplaces - Loan Volumes April 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-marketplaces-loan-volumes-april-2015/) - Loan volumes for over 30 international p2p lending marketplaces in April 2015.
- [International P2P Lending Platforms - Loan Volumes May 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-platforms-loan-volumes-may-2015/) - Check the loan volumes for over 30 international p2p lending platforms in May 2015.
- [International P2P Lending Services - Loan Volumes June 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-june-2015/) - Check the loan volumes for over 30 international p2p lending services in June 2015.
- [International P2P Lending - Loan Volumes July 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-loan-volumes-july-2015/) - Loan volumes for over 30 p2p lending marketplaces in Europe.
- [International P2P Lending - Loan Volumes August 2015](https://www.p2p-banking.com/countries/germany-international-p2p-lending-loan-volumes-august-2015/) - Check the loan volumes for over 30 p2p lending marketplaces in Europe.
- [Zencap says Shortage of New Loans is Caused by New 'Retail Investor Protection Act'](https://www.p2p-banking.com/countries/germany-zencap-says-shortage-of-new-loans-is-caused-by-new-retail-investor-protection-act/) - Zencap feels adversly affected by new Kleinanlegerschutzgesetz law
- [Bitcoin P2P Lending – a Primer in 8 Steps](https://www.p2p-banking.com/countries/germany-bitcoin-p2p-lending-–-a-primer-in-8-steps/) - This is a guest post by Radoslav Albrecht who is the Co-founder and CEO of Bitbond – a global Bitcoin peer-to-peer lending platform based in Berlin When Zopa went live in 2005 it was the first online peer-to-peer lending platform. At the beginning many people thought it wasn’t the best idea to lend money to
- [Harmoney Raises 200M from P2PGI to enter Australian Market](https://www.p2p-banking.com/countries/australia-harmoney-raises-200m-from-p2pgi-to-enter-australian-market/) - Harmoney raises 200M from P2PGI to enter Australian P2P Lending Market
- [Interview with Brian Dally, CEO and Co-Founder of Groundfloor](https://www.p2p-banking.com/countries/us-interview-with-brian-dally-ceo-and-co-founder-of-groundfloor/) - Interview with Brian Dally, CEO of Groundfloor, a US p2p lending marketplace for real estate investing
- [Prestamos Prima Set to Launch P2P Lending Service Viventor in Spain](https://www.p2p-banking.com/countries/spain-prestamos-prima-set-to-launch-p2p-lending-service-viventor-in-spain/) - Viventor will offer p2p lending secured by Spanish mortgages.
- [Crosslend Review - My First Steps](https://www.p2p-banking.com/countries/germany-crosslend-review-my-first-steps/) - First look into the new Crosslend p2p lending marketplace. My first steps.
- [Crosslend Launches New P2P Lending Marketplace](https://www.p2p-banking.com/countries/germany-crosslend-launches-new-p2p-lending-marketplace/) - Crosslend is a new p2p lending marketplace operating in Germany, UK, and Spain. Read about some unique features and get started
- [Slovak P2P Lending Marketplace Zlty Melon is Preparing for Next Growth Phase by Capital Increase](https://www.p2p-banking.com/countries/czechrepublic-slovak-p2p-lending-marketplace-zlty-melon-is-preparing-for-next-growth-phase-by-capital-increase/) - Zlty Melon raises 1M EUR. Plans expansion into Czech Republic and further markets.
- [Funding Circle Partners With H&R Block](https://www.p2p-banking.com/countries/us-funding-circle-partners-with-hr-block/) - Funding Circle becomes preferred partner for H&R Block small business customers seeking financing to grow
- [P2P Lending Service Assetz Capital to Launch Quick Access Account](https://www.p2p-banking.com/countries/uk-p2p-lending-service-assetz-capital-to-launch-quick-access-account/) - Assetz Capital new Quick Access Account (QAA) will offer 3.75% gross interest per annum (before tax and any loan losses) and allow investors to avoid cash drag.
- [Interview with Martins Sulte, Co-Founder and CEO of Mintos](https://www.p2p-banking.com/countries/baltic-interview-with-martins-sulte-co-founder-and-ceo-of-mintos/) - Read what p2p lending marketplace Mintos plans for the futures. CEO Martin Sulte shares planned major developments
- [Funding Circle UK Moves To Fixed Rates, Ditches Auctions](https://www.p2p-banking.com/countries/uk-funding-circle-uk-moves-to-fixed-rates-ditches-auctions/) - P2P Lending marketplace Funding Circle UK discontinues auctions. All new loans from today will be listed at fixed rates
- [Zencap Secures 230 Million EUR from Victory Park Capital](https://www.p2p-banking.com/countries/germany-zencap-secures-230-million-eur-from-victory-park-capital/) - Victory Park Capital (VPC) allocated 230M EUR for investments in SME loans on p2p lending marketplace Zencap
- [Current State of My Bondora Portfolio & Announced Major Upcoming Changes](https://www.p2p-banking.com/countries/baltic-current-state-of-my-bondora-portfolio-announced-major-upcoming-changes/) - Read an update on my Bondora p2p lending portfolio. Also covers upcoming changes announced for the Bondora marketplace
- [The New Saving Stream Pre-funding Model](https://www.p2p-banking.com/countries/uk-the-new-saving-stream-pre-funding-model/) - What is the new pre-funding option at Saving Stream and how does it work?
- [Interview with Laimonas Noreika, CEO of Finbee](https://www.p2p-banking.com/countries/baltic-interview-with-laimonas-noreika-ceo-of-finbee/) - Interview with the CEO of Finbee, a new p2p lending service recently launched in Lithuania
- [Seedrs Shares Available in Equity Crowdfunding Campaign on Friday](https://www.p2p-banking.com/countries/uk-seedrs-shares-available-in-equity-crowdfunding-campaign-on-friday/) - New Seedrs pitch on Friday, will allow investors to bid for Seedrs shares. Seedrs is one of the leading UK equity crowdfunding sites.
- [Bondora Investments Using Decision Trees – Review of Progress – Part 6](https://www.p2p-banking.com/countries/baltic-bondora-investments-using-decision-trees-review-of-progress-part-6/) - Conclusions by British investors parisingoc after 9 months automation of his investments on p2p lending platform Bondora using decision trees.
- [Bondora Investments Using Decision Trees – Review of Progress – Part 5](https://www.p2p-banking.com/countries/baltic-bondora-investments-using-decision-trees-review-of-progress-part-5/) - Read about a British investors experiences when automating investments on p2p lending platform Bondora using decision trees.
- [Bondora Investments Using Decision Trees – Review of Progress - Part 4](https://www.p2p-banking.com/countries/baltic-bondora-investments-using-decision-trees-review-of-progress-part-4/) - Read how an UK investor`s strategy to use decision trees to select Bondora loans for investment worked in the past 9 month
- [Crowdcube Raises 6M from Numis](https://www.p2p-banking.com/countries/uk-crowdcube-raises-6m-from-numis/) - UK platform Crowdcube today announced that it has raised 6M GBP of investment to further accelerate its growth. Current Crowdcube valuation is 51M GBP
- [Seedrs Raises 10M Series A](https://www.p2p-banking.com/countries/us-seedrs-raises-10m-series-a/) - UK platform Seedrs has raised a 10 million GBP series A round led by Woodford Patient Capital Trust plc and Augmentum Capital. The capital raised will be used to launch Seedrs in the US market. Furthermore, Seedrs is to launch a 2.5 million GBP crowd funding campaign to give existing shareholders and new investors the
- [Rebuildingsociety offers one Business the First 25K Interest Free](https://www.p2p-banking.com/countries/uk-rebuildingsociety-offers-one-business-the-first-25k-interest-free/) - UK p2p lending marketplace Rebuildingsociety currently offers a promotion where one business will receive 25,000 GBP of their loan interest free. Loan applications received until 31 August 2015 will enter into the promotion. Daniel Rajkumar, CEO of Rebuildingsociety.com, said: 'Companies seeking loans now have peer-to-peer platforms as a mainstream alternative to the banks and I'm
- [Interview with Eyal Elhayany, CEO of Tarya](https://www.p2p-banking.com/countries/asian-interview-with-eyal-elhayany-ceo-of-tarya/) - Interview with Eyal Elhayany, CEO of p2p lending platform Tarya, a startup in Israel.
- [Decision Trees – Using The Available Data to Identify Lending Opportunities on Bondora – Part 3](https://www.p2p-banking.com/countries/baltic-decision-trees-–-using-the-available-data-to-identify-lending-opportunities-on-bondora-–-part-3/) - This is part 3 of a guest post by British Bondora investor ‘ParisinGOC’. Read part 1 and part 2 first. Investments Decisions using the Tree(s) Using the Data Using the output is as simple as looking at the visualisation to see how the Decision Tree splits down from the Root Node and comparing this with
- [Lendico Launches in Brazil](https://www.p2p-banking.com/countries/latinamerica-lendico-launches-in-brazil/) - Lendico offers p2p lending in Brazil. Launches today
- [Will Funding Circle Expand Into Europe?](https://www.p2p-banking.com/countries/uk-will-funding-circle-expand-into-europe/) - Note: The following is a synopsis from an Funding Circle investor event in London yesterday. I did not attend, therefore it is based on notes that attending investors have published.* I selected only some aspects from these notes, that I found interesting, so the following probably omits many topics from the meeting and is by
- [Sign Up for Lendit Europe Conference in London in October](https://www.p2p-banking.com/countries/uk-sign-up-for-lendit-europe-conference-in-london-in-october/) - Register with Lendit London discount code wiseclerkvip (15% off). Use Lendit 2015 voucher code wiseclerkvip to get promotional rebate when you register.
- [Funding Empire Sells Majority Stake to Paratus AMC](https://www.p2p-banking.com/countries/uk-funding-empire-sells-majority-stake-to-paratus-amc/) - Funding Empire, the P2P platform for SME business finance, has sold a majority stake to Paratus AMC, the Bracknell based residential mortgage servicer and lender. Funding Empire will continue to be headquartered in Cardiff and is currently Wales’ only P2P lending platform. Commenting on the deal, Parag Patel MD of Funding Empire: 'We are delighted
- [Sage Partners with Funding Circle and MarketInvoice](https://www.p2p-banking.com/countries/uk-sage-partners-with-funding-circle-and-marketinvoice/) - Sage partners with Funding Circle and MarketInvoice
- [Prêt d’Union Raises 31M EUR](https://www.p2p-banking.com/countries/france-pret-dunion-raises-31m-eur/) - French p2p lending marketplace Prêt d’Union has announced a capital increase of 31 million EUR subscribed by new investors, including Eurazeo and Pierre Kosciusko-Morizet, as well as its historical shareholders. The total funding since its commercial launch in December 2011 has thus to €50 million. This new fundraising will be used to accelerate its international
- [Interview with Ieva Ozoliņa-Bērziņa, Executive Director of Twino](https://www.p2p-banking.com/countries/baltic-interview-with-ieva-ozolina-berzina-executive-director-of-twino/) - Twino is a new p2p lending marketplace in Latvia. Read an interview about their services and their launch here.
- [Lending Club Opens to Investors in Texas and Arizona](https://www.p2p-banking.com/services/lendingclub-lending-club-opens-to-investors-in-texas-and-arizona/) - Lending Club opens to investors in Arizona and Texas
- [Who Owns Top UK Crowdfunding Platforms Crowdcube and Seedrs?](https://www.p2p-banking.com/countries/uk-who-owns-top-uk-crowdfunding-platforms-crowdcube-and-seedrs/) - Thanks to Companies House filings of British Companies are available to the public fee-free now (previously there was a small fee to access documents). This is a huge plus for equity crowdfunding as interested investors can check past filings of the pitching companies (provided the company was not founded very recently). This also allows anybody
- [Ratesetter Changes Bidding Mechanism](https://www.p2p-banking.com/countries/uk-ratesetter-changes-bidding-mechanism/) - UK p2p lending service Ratesetter changes how bidding rate 'Your Rate' is used
- [A Fintech Startup Violated the Trademark of a Regulator](https://www.p2p-banking.com/countries/germany-a-fintech-startup-violated-the-trademark-of-a-regulator/) - A p2p lending startup violated a regulator's trademark. OOPS. Read what happened next
- [Fundedbyme Gets Equity Crowdfunding License in Malaysia](https://www.p2p-banking.com/countries/asian-fundedbyme-gets-equity-crowdfunding-license-in-malaysia/) - Fundedbyme to establish crowdfunding in Malaysia
- [Queue Up for P2P Lending!](https://www.p2p-banking.com/services/prosper-queue-up-for-p2p-lending/) - Investor demand on p2p lending marketplaces is growing at a much faster paces than the ability of these marketplaces to offer loans. What will be the outcome?
- [Crowdfunding and P2P Lending in Switzerland - Market Overview](https://www.p2p-banking.com/countries/switzerland-crowdfunding-and-p2p-lending-in-switzerland-market-overview/) - How do the crowdfunding, crowdinvesting and p2p lending volumes in Switzerland develop? What is the outlook for p2p lending? And who borrows the most?
- [3 Marketplaces Join Forces to Form Crowdfunding Alliance in Singapore](https://www.p2p-banking.com/countries/asian-3-marketplaces-join-forces-to-form-crowdfunding-alliance-in-singapore/) - CoAssets, FundedByMe, and New Union announce crowdfunding alliance in Singapore
- [Mintos Announces Buyback Guarantee for Car Loans](https://www.p2p-banking.com/countries/baltic-mintos-announces-buyback-guarantee-for-car-loans/) - Mintos offers buyback guarantee for all car loans issued until July 31st, 2015. Valid for lifetime of loans, loans that are more than 60 day deliquent will be bought back.
- [Taaleritehdas becomes an owner of the P2P lending company Fellow Finance](https://www.p2p-banking.com/countries/finland-taaleritehdas-becomes-an-owner-of-the-p2p-lending-company-fellow-finance/) - Taaleritehdas acquires share in Finnish p2p lending marketplace Fellow Finance
- [Bitbond Raises 600K Euro](https://www.p2p-banking.com/countries/germany-bitbond-raises-600k-euro/) - Bitbond raises 600K EUR to grow its Bitcoin Lending Platform. Read linked article on bitcoin lending.
- [Mintos Starts P2P Lending in Lithuania](https://www.p2p-banking.com/countries/baltic-mintos-starts-p2p-lending-in-lithuania/) - Read about the expansion of p2p lending marketplace Mintos into the 3rd country it accepts borrowers from
- [P2P Lending in India:  A Concept Ahead of its Time](https://www.p2p-banking.com/countries/india-p2p-lending-in-india-a-concept-ahead-of-its-time/) - Read about the status and the prospects of peer-to-peer lending in India. Impacts of regulation and credit bureau environment.
- [Interview with Peter Schierenbeck, CMO & co-founder of Lendify](https://www.p2p-banking.com/countries/sweden-interview-with-peter-schierenbeck-cmo-co-founder-of-lendify/) - Peter Schierenbeck, co founder of Lendify on how he sees the Swedish p2p lending market develop and where Lendify stands and where it will go
- [One Year Invested in Zencap](https://www.p2p-banking.com/countries/germany-one-year-invested-in-zencap/) - Martin's review of one year investment experince at p2p lending site Zencap
- [Interview with Patrick de Nonneville, COO of Lendix](https://www.p2p-banking.com/countries/france-interview-with-patrick-de-nonneville-coo-of-lendix/) - Read in this interview, how Lendix was started, why it is special and what returns investors can expect
- [P2P Lending Service Lendico Raises 20M EUR From Rocket Internet and Other Investors](https://www.p2p-banking.com/countries/germany-p2p-lending-service-lendico-raises-20m-eur-from-rocket-internet-and-other-investors/) - Lendico raised 20 million Euro from Rocket Internet, Access Industries, HV Holtzbrinck Ventures and a new investor
- [Update: Current Status of my Bondora Portfolio](https://www.p2p-banking.com/countries/baltic-update-current-status-of-my-bondora-portfolio/) - Read how my Bondora loan portfolio is developing and what loans I currently select and invest into.
- [Review of My Bondora Loan Portfolio After Q4/2014](https://www.p2p-banking.com/countries/baltic-review-of-my-bondora-loan-portfolio-after-q4-2014/) - In October 2012 I started p2p lending at Bondora. Since then I periodically wrote on my experiences - you can read my last report here. Since the start I did deposit 14,000 Euro (approx. 17,000 US$). My portfolio is very diversified. Most loan parts I hold are for loan terms between 36 and 60 months.
- [How I Explored P2P Lending - My Review Part I](https://www.p2p-banking.com/countries/uk-how-i-explored-p2p-lending-my-review-part-i/) - This is part I of a guest post by British investor ‘GSV3Miac'. About the author.. I spent 25 or so years in software engineering, programming everything from IBM mainframes to microchips in early Hotpoint washing machines. I must have been halfway competent (or not) since I wound up managing a software development group, a large
- [How I Explored P2P Lending - My Review Part II](https://www.p2p-banking.com/countries/uk-how-i-explored-p2p-lending-my-review-part-ii/) - A British investor writes about challenges encountered in p2p lending. UK companies reviewed and some advice for fellow investors. Read his story!
- [Transparency in Credit Management; Risk Management at RateSetter](https://www.p2p-banking.com/countries/uk-transparency-in-credit-management-risk-management-at-ratesetter/) - Kevin Allen, Head of Insight at RateSetter about Transparency in Credit Management and Risk Management on a P2P Lending Marketplace
- [Funding Circle Announces 150M Investment led by DST Global](https://www.p2p-banking.com/countries/us-funding-circle-announces-150m-investment-led-by-dst-global/) - Funding Circle Raises 150 million US$ in round led by DST Global
- [Saving Stream Review - My Experiences](https://www.p2p-banking.com/countries/uk-saving-stream-review-my-experiences/) - 4 months ago I started investing on Saving Stream, a UK p2p lending marketplace that pays investors 12% interest p.a.. Read my experiences
- [How I Selected My Preferred P2P Lending Marketplaces - Part I](https://www.p2p-banking.com/countries/uk-how-i-selected-my-preferred-p2p-lending-marketplaces-part-i/) - British p2p lending investor Pete explains how he selected p2p lending platforms he invests on and why he prefers those
- [How I Selected My Preferred P2P Lending Marketplaces - Part II](https://www.p2p-banking.com/countries/uk-how-i-selected-my-preferred-p2p-lending-marketplaces-part-ii/) - British p2p lending investor Pete reviews his favourite p2p lending platforms. Read his story!
- [Money360 Secures 110M US$ for P2P Commercial Real Estate Loans, Including 100M US$ from Leading NY Investment Firm](https://www.p2p-banking.com/countries/us-money360-secures-110m-for-p2p-commercial-real-estate-loans-including-100m-from-leading-ny-investment-firm/) - Money360, Inc. , an online marketplace / peer-to-peer (P2P)Â lending platform that directly connects commercial real estate borrowers with accredited investors, today announced that is has secured 110 million US$ to originate/purchase loans to borrowers through its online lending platform. The money was secured through a 100 million US$ loan purchase agreement and partnership with
- [Lending Club and Citi Team Up on Community Lending](https://www.p2p-banking.com/services/lendingclub-lending-club-and-citi-team-up-on-community-lending/) - Lending Club and Citi are launching a pioneering new partnership with Varadero Capital L.P., an alternative management firm focused on specialized credit investments, to facilitate up to 150 million US$ in loans designed to provide more affordable credit to underserved borrowers and communities. Renaud Laplanche, founder and CEO of Lending Club, said, "Many banks across
- [P2P Lending Experiences of a British Expat Living in the Eurozone](https://www.p2p-banking.com/investor-p2p-lending-experiences-of-a-british-expat-living-in-the-eurozone/) - This is a guest post by British investor ‘JamesFrance'. Since retiring and leaving the UK to live in a warmer dryer part of Europe, I fortunately found myself able to live on less than my income, so had the problem of how to best manage these savings, which I wanted to protect from inflation and
- [Credit Suisse NEXT Investors Leads 165M US$ Investment Round in Prosper Marketplace](https://www.p2p-banking.com/services/prosper-credit-suisse-next-investors-leads-165m-us-investment-round-in-prosper-marketplace/) - Prosper Marketplace, which operates a privately held p2p lending marketplace, today announced a 165 million US$ Series D financing, led by Credit Suisse NEXT Investors, part of Credit Suisse Asset Management. Additional participants included J.P. Morgan Asset Management, SunTrust Banks, a subsidiary of USAA, BBVA Ventures (BBVA’s representative office in San Francisco), Neuberger Berman Private
- [Decision Trees - Using The Available Data to Identify Lending Opportunities on Bondora - Part 1](https://www.p2p-banking.com/countries/baltic-decision-trees-using-the-available-data-to-identify-lending-opportunities-on-bondora-part-1/) - This is a guest post by British Bondora investor 'ParisinGOC'. Introduction Financial institutions across the world have many ways of assessing whether a loan is worth making. A simple search on the web reveals that many use Data Mining. More specifically, “Decision Trees” are a particular tool within Data Mining that has been analysed and
- [Decision Trees – Using The Available Data to Identify Lending Opportunities on Bondora – Part 2](https://www.p2p-banking.com/countries/baltic-decision-trees-–-using-the-available-data-to-identify-lending-opportunities-on-bondora-–-part-2/) - This is part 2 of a guest post by British Bondora investor ‘ParisinGOC’. Read part 1 first. Data Mining the Bondora data. The initial process. To help understand the specific data cleansing that the Bondora Data Set needed, I first made use of the RapidMiner metadata view – a summary of all the attributes presented
- [Experiences with Setting up a Company in Estonia for the Purpose of Investing in Bondora P2P Lending](https://www.p2p-banking.com/countries/baltic-experiences-with-setting-up-a-company-in-estonia-for-the-purpose-of-investing-in-bondora-p2p-lending/) - This is an interview with Austrian investor Bernd R. about the experiences he made when he created a company in Estonia to benefit from the advantages that investing as business on Bondora brings. Note that these are his personal experiences and should not be construed to be investment or tax advice. The circumstances for other
- [Measuring Risk in P2P Lending to SMEs](https://www.p2p-banking.com/countries/uk-measuring-risk-in-p2p-lending-to-smes/) - Analysis on how an economic downturn might impact loanbooks of UK marketplaces that lend to SMEs
- [P2P Lending in Slovakia](https://www.p2p-banking.com/countries/slovakia-p2p-lending-in-slovakia/) - P2P Lending in Slovakia. Market, Trends and Services
- [Funding Empire Now Offers Asset Backed Loans](https://www.p2p-banking.com/countries/uk-funding-empire-now-offers-asset-backed-loans/) - Funding Empire offers asset backed p2p lending loans to investors by cooperating with BLX
- [Mintos Expands Into Estonia - Offers P2P Loans Secured by Vehicles](https://www.p2p-banking.com/countries/baltic-mintos-expands-into-estonia-offers-p2p-loans-secured-by-vehicles/) - Mintos expands - offers vehicle secured p2p lending to Estonian borrowers.
- [Lendico Adds SME Loans](https://www.p2p-banking.com/countries/germany-lendico-adds-sme-loans/) - Lendico addes SME loans to the product portfolio of the German p2p lending marketpalce
- [P2P Lending - a View from Australia](https://www.p2p-banking.com/countries/australia-p2p-lending-a-view-from-australia/) - Guest post by Leo Tyndall, CEO of Marketlend reviewing the situation and future of p2p lending in Australia
- [10 Years Zopa](https://www.p2p-banking.com/countries/uk-10-years-zopa/) - Zopa celebrates 10th anniversary. Interview with Giles Andrews and infographic
- [Carsales.com Invests in Ratesetter Australia](https://www.p2p-banking.com/countries/australia-carsales-com-invests-in-ratesetter-australia/) - Ratesetter Australia valued at 50 million AUD now
- [Lending Club Becomes Exclusive Partner for Financing on Homeadvisor Site](https://www.p2p-banking.com/countries/us-lending-club-becomes-exclusive-partner-for-financing-on-homeadvisor-site/) - Lending Club and HomeAdvisor signed a multi-year marketing deal, that will make Lending Club the exclusive partner providing access to loans for consumers seeking home improvement project financing through the HomeAdvisor website. HomeAdvisor is an online home improvement marketplace where homeowners can connect with pre-screened local home repair and improvement professionals. "In recent years there have been
- [Lendico Announces Large Influx of Institutional Capital - Repositions in some Markets](https://www.p2p-banking.com/countries/germany-lendico-announce-large-influx-of-institutional-capital-repositions-in-some-markets/) - Lendico attracts institutional lenders. Will no longer serve Polish, Spanish and South African market for retail investors
- [The Harmoney Story](https://www.p2p-banking.com/countries/newzealand-the-harmoney-story/) - Harmoney CEO Neil Roberts on the development of p2p lending in New Zealand and the role of his company
- [Goldman Sachs Quantifies Potential Impact of US P2P Lending on Bank Profits](https://www.p2p-banking.com/services/prosper-goldman-sachs-quantifies-potential-impact-of-us-p2p-lending-on-bank-profits/) - What market share is at risk of being disrupted by financial innovators in the US banking sector in the next 5 years. Findings of a recent Goldman Sachs study.
- [P2P Lending Marketplace Bondora Fuels European Expansion Plans](https://www.p2p-banking.com/countries/us-p2p-lending-marketplace-bondora-fuels-european-expansion-plans/) - P2P Lender Bondora raises 5M US$ from Valinor Management. Will invest into further european expansion strategy.
- [Interview with Koen The, CFO of Lendahand](https://www.p2p-banking.com/servicesmicrofinance-interview-with-koen-the-cfo-of-lendahand/) - Interview with CFO of Lendahand where you can lend at 3-4% interest to entrepreneurs in emerging markets
- [Lending Club Fourth Quarter Results](https://www.p2p-banking.com/services/lendingclub-lending-club-fourth-quarter-results/) - Lending Club publishes results for Q4, 2014
- [Moving Mainstream - The European Alternative Finance Report](https://www.p2p-banking.com/countries/uk-moving-mainstream-the-european-alternative-finance-report/) - New study on p2p lending, crowdfunding, equity crowdfunding in Europe by University of Cambridge and EY. Free download.
- [Interview with Maurizio Sella, CEO of Smartika Spa](https://www.p2p-banking.com/countries/italy-interview-with-maurizio-sella-ceo-of-smartika-spa/) - Interview with Maurizio Sella, CEO of Italian p2p lending marketplace Smartika Spa.
- [Victory Park Capital will invest 420M in P2P Lending Loans on Funding Circle USA](https://www.p2p-banking.com/countries/us-victory-park-capital-will-invest-420m-in-p2p-lending-loans-on-funding-circle-usa/) - US asset manager Victory Park Capital will invest 420 million US$ over the course of the next 3 years in p2p loans to SMEs in the US via p2p lending marketplace Funding Circle USA. This agreement follows an earlier deal where Victory Park Capital agreed to lend 150 million GBP via Assetz Capital over the
- [Fundedbyme Launches P2P Loans To Swedish SMEs today](https://www.p2p-banking.com/countries/sweden-fundedbyme-launches-p2p-loans-to-swedish-smes-today/) - Fundedbyme launches p2p lending to Swedish companies today.
- [P2P Lending Marketplace is Raising 2M GBP via Seedrs](https://www.p2p-banking.com/countries/uk-p2p-lending-marketplace-is-raising-2m-gbp-via-seedrs/) - Breaking news: Assetz Capital is raising 2 million via crowdfunding on Seedrs
- [Sonny Aswani Invests in Investly](https://www.p2p-banking.com/countries/baltic-sonny-aswani-invests-in-investly/) - Estonian p2p lending marketplace Investly announced that Sonny Aswani became an investor. He will invest also directly in the loans offered via Investly. 'As proven by TransferWise and Bondora, Estonia has high potential for fintech companies and Investly helps to redesign the way how the SMEs are financed. In my view, Investly has the potential
- [Report from the Symvest Conference in Prague](https://www.p2p-banking.com/countries/czechrepublic-report-from-the-symvest-conference-in-prague/) - February 12th, 2015. P2P Lending conference in Prague centering on developments in the Czech republic and Eastern Europe. Trends & regulation
- [Non Standard Finance Intends To Raise 100M Pound to Acquire Alternative Finance Companies](https://www.p2p-banking.com/countries/uk-non-standard-finance-intends-to-raise-100m-pound-to-acquire-alternative-finance-companies/) - Holding company Non-Standard Finance intends to raise around 100 million GBPÂ on the London stock market in order to acquire and operate alternative financial services companies focused on the UK's non-standard customers. The group, founded by former Provident Financial chairman John van Kuffeler, has already received a cornerstone investment of 48 million GBP from investors
- [Latvia: Mintos in Disagreement with Consumer Right Protection Centre over Interpretation of Regulation](https://www.p2p-banking.com/countries/baltic-latvia-mintos-in-disagreement-with-consumer-right-protection-centre-over-interpretation-of-regulation/) - Recently launched p2p lending marketplace Mintos is in disagreement with a consumer right protection body of the government over the interpretation of rules regulating lending to consumers and whether Mintos is conducting business within these rules or not. Two statements were published on the internet (here and here) last Friday that state, that while Mintos
- [Mintos - P2P Loans Secured by Residential Real Estate](https://www.p2p-banking.com/countries/baltic-mintos-p2p-loans-secured-by-residentual-residential-real-estate/) - In Latvia p2p lending service Mintos has publicly launched. All loans are secured against residential real estate owned by the Latvian borrowers. CEO Mārtiņš Šulte told P2P-Banking.com: 'We strongly believe that secured loans in our region and beyond offer much better risk/return matrix for investors. ... We have raised 1 million Euro from a local
- [RBS starts Referring SMEs to Funding Circle and Assetz Capital](https://www.p2p-banking.com/countries/uk-rbs-starts-referring-smes-to-funding-circle-and-assetz-capital/) - The Royal Bank of Scotland has today announced that it is set to give thousands of small British businesses greater access to finance by formally referring customers to the p2p lending marketplaces Funding Circle and Assetz Capital. From next week customers, who the bank is unable to financially help at the moment, will be signposted
- [Groupama Banque to Lend 100M via Unilend](https://www.p2p-banking.com/countries/uk-groupama-banque-to-lend-100m-via-unilend/) - Today p2c lending marketplace Unilend and Groupama Banque announce a partnership wherein Groupama Banque will lend directly 100 million euros to French small and medium enterprises through Unilend over the next four years. This is a first time ever partnership between a French bank and Unilend, a French p2p lending marketplace. Bernard Pouy, CEO of
- [LendingRobot Raises 3M from Runa Capital](https://www.p2p-banking.com/countries/us-lendingrobot-raises-3m-from-runa-capital/) - Seattle based Lending Robot, a 3rd party tool for investors to automate bidding on Lending Club and Prosper has raised 3 million US$ form Moscow based VC Runa Capital. The founders Gilad Golan and Emmanuel Marot had initially created a solution to automate their own investments on Lending Club. The growing needs to automate such investments
- [Google and Lending Club Pilot Offering Loans to Businesses](https://www.p2p-banking.com/services/lendingclub-google-and-lending-club-pilot-offering-loans-to-businesses/) - Today p2p lending marketplace Lending Club and Google launch a new pilot program in partnership to facilitate low-interest financing to eligible Google partners. The program leverages Lending Club's ability to provide access to credit in a highly automated, cost-efficient manner, and allows Google to purchase the loans, thus investing its own capital in its partner
- [Zencap to Expand into Netherlands in February](https://www.p2p-banking.com/countries/netherlands-zencap-to-expand-into-netherlands-in-february/) - Zencap, the German peer-to-company lending marketplace which launched in March 2014, will launch in the Netherlands in February 2015. This is Zencap's third target market after Germany and Spain. The Zencap team has grown to over 60 employees and Zencap has originated 7 million EUR in loans so far.
- [Bondora Ratings Create a Single Eurozone Lending Marketplace](https://www.p2p-banking.com/countries/baltic-bondora-ratings-create-a-single-eurozone-lending-marketplace/) - This is a guest post by Pärtel Tomberg, CEO of Bondora. This month we started the roll-out of Bondora Ratings, a loan application rating system based on the proprietary credit scoring model, with the aim to bring better predictability and consistency of the returns for investors active on Bondora platform. Our initial aim for developing
- [News Coverage of the Lending Club IPO](https://www.p2p-banking.com/services/lendingclub-news-coverage-of-the-lending-club-ipo/) - Yesterday was a very exciting day for Lending Club and p2p lending as a whole. I must say I was awed when I saw the opening price of around 25 US$ as that put the company valuation around 9 billion US$. Looking through the coverage the excitement is certainly shared: The Lending Club IPO: A
- [The Position of Lending Club at IPO](https://www.p2p-banking.com/services/lendingclub-the-position-of-lending-club-at-ipo/) - The long announced IPO of marketplace lender Lending Club is imminent now, with the first day of trading expected to be around Dec. 10th. Lending Club will issue 57.7 million new shares priced in the range of 10 to 12 US$. On the upper end this means the company will have a valuation of around
- [Growth of Bondora Resale Market](https://www.p2p-banking.com/countries/baltic-growth-of-bondora-resale-market/) - This post is based on the findings, which German investor 'Bandit55555' posted in his own blog p2p-anlage.de. 'Bandit55555' is the investor at Bondora with the highest ROI (at least that I am aware of): He calculates his XIRR ROI to be 35.4%, while Bondora displays 57.5% for his portfolio. He achieves that by very diligently
- [International P2P Lending Services - Loan Volumes November 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-november-2014/) - November was a month of mixed results for the listed p2p lending services. Some grew, some had a small decline in newly originated loan volume this month. Ratesetter crossed a total volume of 400 million GBP originated since inception. Ablrate profited from the deal with the first institutional investor, which boosted volume. I added one
- [Lending Club Valuation at IPO 4.33B Max.](https://www.p2p-banking.com/services/lendingclub-lending-club-valuation-at-ipo-4-33b-max/) - For the coming Lending Club IPO a recent SEC filing reveals details on the valuation of the company. LendingClub Corporation is offering 50,000,000 shares of its common stock and the selling stockholders are offering 7,700,000 shares of common stock. We will not receive any proceeds from the sale of shares by the selling stockholders. This
- [P2P Lending in Poland and a Portrait of Kokos.pl](https://www.p2p-banking.com/countries/poland-p2p-lending-in-poland-and-a-portrait-of-kokos-pl/) - This is a guest post by Krystyna Mitręga-Niestrój, University of Economics in Katowice, Poland P2P lending develops quickly in the world in recent years. The platform Kokos.pl was the beginner at social lending in Poland in February 2008. The following portals began to operate shortly thereafter: Finansowo.pl, Monetto.pl (both in March 2008, however Monetto is
- [Interview with Matthew Powell, CFO of Lending Works](https://www.p2p-banking.com/countries/uk-interview-with-matthew-powell-cfo-of-lending-works/) - What is Lending Works about? Lending Works is an online marketplace lending platform for unsecured personal loans. We offer extremely competitive lender returns and fixed rate, flexible loans up to £25,000 over 1 to 5 years. What are the three main advantages for investors? Lender protection – our unique Lending Works Shield consists of a
- [Prosper With Profitable 3rd Quarter](https://www.p2p-banking.com/services/prosper-prosper-with-profitable-3rd-quarter/) - Prosper closed Q3 2014 as the first quarter with a profit. The 10-Q Prosper filed with the SEC shows a net earning of 2.7 million US$ for Q3 2014. Excerpt from Prosper's SEC filing
- [Lendit Europe Recap](https://www.p2p-banking.com/countries/uk-lendit-europe-recap/) - I just returned from the Lendit Europe conference in London. It was a great occasion to meet so many of the people that developed p2p lending to the current state and hear what they have to say about the future. The entire industry is enthusiastic as all figures report fast growth which will be further
- [Finexkap Raises 22.5M to Launch French Online Working Capital Financing Platform](https://www.p2p-banking.com/countries/france-finexkap-raises-22-5m-to-launch-french-online-working-capital-financing-platform/) - Finexkap, has completed a 22.5 million US$ fundraising, comprising 7.5 million US$Â in Series A equity funding and 15 million US$ to finance the company's lending operations. Finexkap is a French working capital financing platform to purchase SMEs' receivables on the web through refinancing vehicles managed by Finexkap AM, which is a wholly owned subsidiary
- [Trustbuddy Acquires Geldvoorelkaar and Prestiamoci](https://www.p2p-banking.com/countries/netherlands-trustbuddy-acquires-geldvoorelkaar-and-prestiamoci/) - Trustbuddy has entered into an agreement to acquire Italian Prestiamoci, a long-term Peer-to-Peer (P2P) lender, for a total of EUR 5.3 million in order to strengthen its offering of business loans to small and medium-sized enterprises and consumer credit in most European countries. Furthermore TrustBuddy has agreed to acquire Dutch Geldvoorelkaar for a consideration of
- [Lendico Makes First Spanish Loans Available on German Marketplace](https://www.p2p-banking.com/countries/germany-lendico-makes-first-spanish-loans-available-on-german-marketplace/) - Today p2p lending service Lendico made the first loans from Spanish borrowers available to German investors on the German marketplace. German lenders can now bid on these loans provided they fulfill a few prerequisites. To prepare for this, Lendico had in the past weeks informed interested investors of the necessary steps to enable bidding on
- [Interview with Asger Trier Bing, CEO of Lendino](https://www.p2p-banking.com/countries/denmark-interview-with-asger-trier-bing-ceo-of-lendino/) - Interview with Asger Trier Bing, CEO of Danish service Lendino. What is Lendino about? Lendino is a marketplace lender for loans to SMEs in Scandinavia ranging from 20K-2M USD. What are the three main advantages for investors? Investors get a higher return than from similar asset classes. Investors are enabled to invest in companies that
- [Nesta Study Examines Alternative Finance Trends in UK](https://www.p2p-banking.com/countries/uk-nesta-study-examins-alternative-finance-trends-in-uk/) - Today the Nesta Study 'Understanding Alternative Finance - The UK Alternative Finance Industry Report' was released. The researchers Peter Baeck, Liam Collins and Bryan Zhang worked in four stages to compile this great report. One included questioning more than 15,000 users with the help of the platforms in distributing the surveys. Furthermore to gauge awareness
- [Two UK Crowdfunding Platforms Currently Raising Money From The Crowd at Seedrs - Crowdlords & Trillion Fund](https://www.p2p-banking.com/countries/uk-two-uk-crowdinvestment-platforms-currently-raising-money-from-the-crowd-at-seedrs-crowdlords-trillion-fun/) - At the moment there is not only one but two open pitches from UK crowdfunding/fintech startups raising money in exchange for equity at Seedrs. I invested small amounts in both of them and will become a shareholder when the pitches successfully close. Crowdlords Crowdlords is a pre-launch two-sided, residential buy-to let crowdfunding platform that wants
- [International P2P Lending Services - Loan Volumes October 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-october-2014/) - October was overall a good month for p2p lending services. Especially Zopa did grow and closed a bit of the gap to the 2 other UK p2p marketplaces . Prosper reached a total volume of 2 billion US$ originated since inception. I added one more service. I do monitor development of p2p lending figures for
- [Seedrs Acquires Junction Investments - Will Expand Into US Market](https://www.p2p-banking.com/countries/us-seedrs-acquires-junction-investments-will-expand-into-us-market/) - Seedrs, a UK crowdinvestment platform, has announced that it acquired California based Junction Investments. Seedrs plans to use this acquisition to expand to the United States in early 2015. Junction’s co-founders, Adam Kaufman and Brian Goldsmith, are now Co-Heads of Seedrs America, and they will be leading this expansion. Seedrs was already open to international
- [Interview with James Buckland, CEO of Loanbook Capital](https://www.p2p-banking.com/countries/spain-interview-with-james-buckland-ceo-of-loanbook-capital/) - What is Loanbook Capital about? LoanBook Capital is a Spanish peer-to-business (P2B) finance platform, providing an alternative to traditional savings and fixed income products to investors of all types via direct participation in loans, and other forms of credit finance, to mature, good quality Spanish SMEs. LoanBook provides credit origination and management services to clients.
- [P2P Lending In Japan - The Current Situation](https://www.p2p-banking.com/countries/japan-p2p-lending-in-japan-the-current-situation/) - This is a guest post by Tomoyuki Sugiyama, Representative Director of Crowdcredit, Inc (full bio at the end of the article). Advent of P2P lending in Japan maneo, Inc. and Exchange Corporation KK were the first P2P lending platform operators in Japan. In 2007, maneo, Inc. was established and it started the registration processes with
- [New Figures on Lendico and Zencap](https://www.p2p-banking.com/countries/germany-new-figures-on-lendico-and-zencap/) - Lendico and Zencap are German p2p lending services. They are separate companies, but both are founded/backed by Rocket Internet. Lendico Lendico is a p2p lending service with consumers as borrowers and has been rolled out in 6 national markets so far. See my previous articles on Lendico for more details. Lendico management did not give
- [International P2P Lending Services - Loan Volumes September 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-september-2014/) - September was a very good month for most p2p lending services. The major UK p2p lending services grew strongly with Ratesetter surpassing 30 million GBP originated. I added the new UK service Ablrate which originated the first two loans. I do monitor development of p2p lending figures for many markets. Since I already have most
- [Two Years Into P2P Lending Investment at Bondora - My Portfolio Review](https://www.p2p-banking.com/countries/baltic-two-years-p2p-lending-investment-bondora-portfolio-review/) - In October 2012 I started p2p lending at Bondora. Since then I periodically wrote on my experiences - you can read my last blog article here. Since the start I did deposit 14,000 Euro (approx. 17,800 US$). My portfolio is very much diversified. Most loan parts I hold are for loan terms between 36 and
- [High Fluctuation of Discounts and Markups on the Secondary Market of Bondora](https://www.p2p-banking.com/countries/baltic-high-fluctuation-of-discounts-and-markups-on-the-secondary-market-of-bondora/) - One advantage of Bondora is that this p2p lending market makes a lot of data available for download to investors. Recently Bondora added data on 'Secondary market transaction history'. In this article I will analyse the data use some examples to show how volatile the prices of traded loan parts can be discuss some of
- [Zopa prepares launch in Italy](https://www.p2p-banking.com/services/zopa-zopa-prepares-launch-in-italy/) - Actually Zopa.it is not run by the British Zopa Ltd. but by the franchise "P2P s.r.l" with offices in Milano. The company has licensed the use of the brand and the technology for Italy. Zopa.it will allow Italians to borrow up to 40000 Euro (roughly $55000), which is a high amount, compared to p2p services
- [P2P Lending Service Lendico Launches in Dutch Market](https://www.p2p-banking.com/countries/netherlands-p2p-lending-service-lendico-launches-in-dutch-market/) - Lendico entered its 6th national market and launched Lendico.nl in the Netherlands today. Lendico CEO Dominik Steinkühler commented: 'Especially in countries with a well developed banking system Lendico is successful. The Lendico users include those who are dissatisfied with banks and do not understand why they should pay for bankers' bonuses, glass towers, business class
- [International P2P Lending Services - Loan Volumes August 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-august-2014/) - In August Prosper, Bondora and Thincats showed big growth of newly originated loan volume. For most other services it was a slow month. I added one more new service to the table. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can
- [Maneo Introduces Guaranteed P2P Loan](https://www.p2p-banking.com/countries/japan-maneo-introduces-guaranteed-p2p-loan/) - Maneo introduces guaranteed p2p lending in Japan. On the new "G-Loan" the lender does not need to worry any more about defaults. Minimum investment is only 10,000 JPY (approx. 100 US$). The loans are guaranteed by Orix Credit Corporation which entered into a partnership with Maneo. The downside is that on "G-Loans" the lender only
- [Lending Club IPO Filing Published Today](https://www.p2p-banking.com/services/lendingclub-lending-club-ipo-filing-published-today/) - P2P Lending Service Lending Club Filed a preliminary prospectus today with the SEC to prepare the IPO. Lending Club aims to raise 500 million US$ in the public offering. The document does not set a share price or a company valuation, which will happen later on in the process. The underwriters are Goldman, Morgan Stanley,
- [Lendingclub to introduce p2p lending to Facebook members](https://www.p2p-banking.com/uncategorized-lendingclub-to-introduce-p2p-lending-to-facebook-members/) - Today, Lendingclub.com launched offering a p2p lending service to Facebook members. Members can request loans between $1000 and $25000. Other facebook members can the lend the money to the borrower. While technically not arranging loans between freinds like CircleLending, Lendingclub makes uses of the social network and the trust that users have into it. Lendingclub
- [Major changes at Prosper](https://www.p2p-banking.com/uncategorized-major-changes-at-prosper/) - Yesterday Prosper announced major improvements to the site and the customer service. Biggest news is that Prosper will manage customer support inhouse starting end of February (so far it was outsourced to a provider in the philippines). Credit and employment data on borrowers for new listings is now much more detailed. Due to bad experiences
- [Smava starts p2p lending in Germany](https://www.p2p-banking.com/uncategorized-smava-starts-p2p-lending-in-germany/) - Startup Smava.de starts offering p2p lending in Germany. Anybody can lend or request a loan online. Borrowers, after registering will by checked for identity and credit grade by smava. Smava uses PostIdent (a service offered by German postal service Deutsche Post) to verify the identity of the borrower and relies on credit report information from
- [Graphic: How Fintech Attracts Fast Growing VC Investments](https://www.p2p-banking.com/uncategorized-graphic-how-fintech-attracts-fast-growing-vc-investments/) - The following graphic from Crunchbase illustrates that Fintech startup investments were the fastest growing sector for VC investments in July. Info zu Tableau
- [P2P Lending Service Investly Launched Today](https://www.p2p-banking.com/countries/baltic-p2p-lending-service-investly-launched-today/) - P2P lending service Investly launched today offering business loans to companies financed by both private and institutional investors. All investment opportunities offered have undergone a thorough pre-screening process including business plan validation, financial analysis as well as credit evaluation. Once the requested loan amount is filled Investly uses an reverse auction with investors underbidding each
- [Lendit Conference comes to Europe in November](https://www.p2p-banking.com/countries/uk-lendit-conference-comes-to-europe-in-november/) - LendIt Europe will be held in London on November 17th, 2014. LendIt is the major conference for the p2p lending industry. I was not able to attend the event when it took place in the US in the past year, but I will certainly fly to London in November. The San Francisco event last autumn
- [International P2P Lending Services – Loan Volumes July 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-july-2014/) - In July Prosper and the three big UK p2p lending services grew their volume further. On the other hand the smaller services had mixed results with some experiencing a decline in loan originations in July, probably due to the holiday season. I do monitor development of p2p lending figures for many markets. Since I already
- [Ablrate - Invest in a P2P Loan With an Aircraft as Security](https://www.p2p-banking.com/countries/uk-ablrate-invest-in-a-p2p-loan-with-an-aircraft-as-security/) - Ablrate is a new p2p lending service that launched this month in the UK. Ablrate is short for asset backed lending rate, meaning each loan will be backed by an security. The management has long experience in aircraft financing and consequently the first loan on the platform is secured by an aircraft. This loan offers
- [Polish Face of Smava - Interview with CEO and COO of Smava.pl](https://www.p2p-banking.com/services/smava-polish-face-of-smava-interview-with-ceo-and-coo-of-smava-pl/) - Smava.pl is the youngest P2P lending service in Poland – the portal went live in January 2009. In the first days of August I met Przemyslaw Moscicki, the company's CEO, and Arkadiusz Hajduk, COO, for an interview about the past and future of social lending in Poland. Michal Kisiel: First of all, could you explain
- [German Crowdfunding Platform Bergfürst is a Bank Now](https://www.p2p-banking.com/countries/germany-german-crowdfunding-platform-bergfurst-is-a-bank-now/) - German crowdinvestment service Bergfürst announced yesterday that it has been granted a full bank license from German regulator Bafin. This status is not that frequently reached by new companies. In 2013 only 3 new companies were granted full bank licenses. Bergfürst was launched in 2012 and featured a fully regulated exchange as USP from the
- [Crowdcube Raises 1.2M from the Crowd and 3.8M from Balderton Capital](https://www.p2p-banking.com/countries/uk-crowdcube-raises-1-2m-from-the-crowd-and-3-8m-from-balderton-capital/) - Today British crowdinvestment platform Crowdcube started pitching the crowd to raise 1.2 million GBP. This was on the same terms as the 3.8 million GBP it raises from Balderton Capital in this series B funding. The total raised is for 25.64% equity. This puts the valuation at about 19.5 million GBP. The pitch was fundedÂ
- [P2P Lending - Average nominal interest rates in Q2 2014](https://www.p2p-banking.com/uncategorized-p2p-lending-average-nominal-interest-rates-in-q2-2014/) - After looking on the p2p lending loan volumes, today I present an overview of average nominal interest rates for selected p2p lending services. As nominal interest rates are before fees they are easier to compare and an attempt otherwise would mean to list 2 rates for each marketplace (an APR for borrowers and a lender
- [Funding Circle Raises 65M US$ Series D](https://www.p2p-banking.com/countries/uk-funding-circle-raises-65m-us-series-d/) - British p2p lending service Funding Circle raised 65 million US$ series D in a round led by Index Ventures with participation from existing investors, Accel Partners, Union Square Ventures and Ribbit Capital. The new funding will be used to continue to fuel the company’s rapid global growth, expand product ranges and explore new international markets.
- [International P2P Lending Services - Loan Volumes June 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-june-2014/) - June was another strong month for p2p lending services. Especially Prosper, Assetz Capital, Folk2Folk and Wellesley did grow their volume substantially. My estimate for the Lending Club number for June may be too high (I took the known figure of 1,006 million US$ loans issued in Q2 and subtracted my approximated numbers for April and
- [Main UK P2P Lending Services Agree on Standard for Calculating Defaults](https://www.p2p-banking.com/countries/uk-main-uk-p2p-lending-services-agree-on-standard-for-calculating-defaults/) - A long time downside of p2p lending was that each company used its own definition for defaults making it hard to impossible for all but experts to compare figures for different p2p lending companies. The Peer-to-Peer Finance Association (P2PFA), a trade organisation of British p2p lending companies, now addressed this issue with a new standard:
- [Review of My Current Bondora Portfolio - First Experiences in Trading Bondora+ Loans](https://www.p2p-banking.com/countries/baltic-review-of-my-current-bondora-portfolio-first-experiences-in-trading-bondora-loans/) - I started p2p lending at Bondora (formerly Isepankur) in the end of 2012. Since then I periodically wrote on my experiences - you can read my last report here. Since the start have deposited 13,000 Euro (approx. 17,600 US$). My portfolio is very diversified. Most loan parts I hold are for loan terms between 36
- [Zopa Changes Matching Algorithm](https://www.p2p-banking.com/countries/uk-zopa-changes-matching-algorithm/) - Zopa has announced changes to the sequence in which investor funds are matched in lending. Over the next few weeks we will be making a number of changes we believe that will improve the overall lending experience. Phase 1 – Maximum exposure change Starting this week, we will be adjusting the maximum exposure for lenders.
- [International P2P Lending Services - Loan Volumes May 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-may-2014/) - Developments in May were mixed when compared to p2p lending volumes in April. I added one new service to the table. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly loan originations for selected p2p lending
- [Ratesetter Very Satisfied With Partnership With Mobile Phone Provider](https://www.p2p-banking.com/countries/uk-ratesetter-very-satisfied-with-partnership-with-mobile-phone-provider/) - UK p2p lending company Ratesetter says its partnership with mobile operator giffgaff is very successful in driving loan demand. The partnership began in the end of 2013 and allows giffgaff to offer handsets to customers without an immediate upfront payment based on joint credit and fraud management technology. Ratesetter says 'The number of giffgaff loans
- [Interview with Martijn van Schelven, Founder and CEO of Geldvoorelkaar](https://www.p2p-banking.com/countries/netherlands-interview-with-martijn-van-schelven-founder-and-ceo-of-geldvoorelkaar/) - Interview with Geldvoorelkaar founder Martijn van Schelven. What is Geldvoorelkaar about? Geldvoorelkaar.nl is about crowdfunding. We provide funds through our website for both SME as well as consumer lending. We provide loan-based funds. Borrowers borrow money and pay the investors back on annuity basis. Loans are on average 75.000 EUR. At this moment we mediate
- [German P2P Lending Service Auxmoney Raises 16M US$ Series B](https://www.p2p-banking.com/countries/germany-german-p2p-lending-service-auxmoney-raises-16m-us-series-b/) - German p2p lending service Auxmoney completed a 16M US$ series B round, financed by Foundation Capital, joined by Partech Ventures and Scott Bommer, alongside existing backers Index Ventures and Union Square Venture. Index Ventures and Union Squre Ventures already invested in the Series A in the end of 2012. Auxmoney was founded in 2007, and
- [Interview with Charles Egly, CEO of Pret d’Union](https://www.p2p-banking.com/countries/france-interview-with-charles-egly-ceo-of-pret-d-union/) - What is Pret d’Union about? PRÊT D’UNION is the first and sole peer-to-peer lending platform accredited by the French Central Bank. Thanks to an innovative disintermediation model, PRÊT D’UNION enables private individuals and institutional investors to lend money to borrowers directly through a secured bond marketplace, offering above-market returns on savings and low interest rates
- [P2P lending service Bondora is now authorised and regulated by the UK Financial Conduct Authority](https://www.p2p-banking.com/countries/uk-p2p-lending-service-bondora-is-now-authorised-and-regulated-by-the-uk-financial-conduct-authority/) - Bondora is now authorised and regulated by the UK based Financial Conduct Authority (FCA). The FCA supervised peer-to-peer lending license is the only regime available anywhere in Europe that subjects peer lenders under regulatory oversight, supervising peer lending companies. Bondora is one of the selected few peer lenders who is now operating under a license
- [P2P Lender Lending Club Announces Partnership with Union Bank](https://www.p2p-banking.com/services/lendingclub-p2p-lender-lending-club-announces-partnership-with-union-bank/) - Renauld Laplanche, CEO of Lending Club, announced today that Lending Club and Union Bank will partner to develop and offer products to the 1 million customers of Union Bank. Lending Club has partnered with several smaller banks in the 12 to 18 months. Laplanche sees great potential for more of the 6,000 banks in the
- [Prosper Raises 70M ](https://www.p2p-banking.com/services/prosper-prosper-raises-70m/) - Prosper raises a 70 million US$ funding round led by Francisco Partners. The additional funding will be used for growth and expansion plans. David Golob from Francisco Partners, global private equity firm which focuses on information technology, will join the Prosper Marketplace Board of Directors. The funding round also includes investments from Institutional Venture Partners
- [International P2P Lending Services - Loan Volumes April 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-april-2014/) - Prosper had a very good April. In UK especially the platforms for property secured lending grew their volume compared to last month. I added two new services to the table. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics
- [How You Can Invest in Equity of a New UK P2P Lending Startup - Provided You Act Quickly](https://www.p2p-banking.com/countries/uk-how-you-can-invest-in-equity-of-a-new-uk-p2p-lending-startup/) - In December 2013 I saw the pitch of a promising pre-launch UK p2p lending startup called Landbay pitching on the UK p2p equity platform Seedrs to the crowd. The pitch explained how they planned to do p2p lending secured by property in the UK. I liked the proposal and invested a small amount in Landbay
- [Funding Circle Runs Whole Loans Trial](https://www.p2p-banking.com/countries/uk-funding-circle-runs-whole-loans-trial/) - Funding Circle announced that starting May 1st they will do a one month trial offering randomly selected loans as 'whole loans' to selected institutional investors on a first come first served basis. Announcement: It’s been a fantastic start to the year at Funding Circle. The announcement of additional funding by the Government-backed British Business Bank
- [Lendico Launches P2P Lending in Spain](https://www.p2p-banking.com/countries/spain-lendico-launches-p2p-lending/) - German p2p lending service Lendico will launch tomorrow in the Spanish market. 'Spain is an attractive market with great potential due to the credit crunch since 2007,' says CEO Dominik Steinkühler. Maximum possible loan amount is 25,000 EUR, offered at between 6.29% and 25% APR. 'Lendico poses a direct threat to the comfortable position of
- [Bondora Moves to Fixed Price Bidding Only](https://www.p2p-banking.com/countries/baltic-bondora-moves-to-fixed-price-bidding-only/) - P2P lending service Bondora informed investors today that it plans changes to the bidding system in May. So far Bondora allows borrower to selected between 'timed funding' which results in a reverse auction lowering interest rates if more lenders want to bid on a loan during the auction period than the loan amount needed and
- [Lending Club Buys Springstone Financial](https://www.p2p-banking.com/services/lendingclub-lending-club-buys-springstone-financial/) - Lending Club announced today that it has acquired Springstone Financial for a total consideration of 140 million US$ in cash and stock. Springstone provides financing options for consumers looking to finance private education and elective medical procedures through a network of over 14,000 schools and healthcare providers. "The acquisition of Springstone is significantly expanding the
- [Ppdai Closes Series B Round](https://www.p2p-banking.com/countries/china-ppdai-closes-series-b-round/) - Shanghai-based p2p lending service Ppdai.com has completed series B round (rumoured to be at 45M US$). The round was led by Lightspeed China Partners, an early stage investment company. Wealth management company Noah Private Wealth Management and Sequoia Capital also invested.
- [Ratesetter Will Expand P2P Lending Service to Australia](https://www.p2p-banking.com/countries/australia-ratesetter-will-expand-p2p-lending-service/) - Ratesetter will expand its p2p lending operations to Australia in 2014 and says this will serve as the stepping stone to further launches in Asia. It is also exploring launches in association with financial services partners closer to home in Europe. Ratesetter has secured investment of $3 million from local and international investors to kick-start
- [Lendico Launch in South Africa](https://www.p2p-banking.com/countries/africa-lendico-launch-in-south-africa/) - Today p2p lending service Lendico is launching in South Africa, the first non-European market for Lendico. The start-up is launching through Africa Internet Holdings (AIH) – an e-commerce development platform supported by Rocket Internet, Millicom International and MTN. AIH co-founder Jeremy Hodara said South Africa matches the 3 criteria Lendico looks for in new markets:
- [Isepankur Rebrands As Bondora - Raised 1.3M ](https://www.p2p-banking.com/countries/baltic-isepankur-rebrands-as-bondora-raised-1-3m/) - P2P Lending marketplace Isepankur yesterday rebranded as Bondora. Bondora is active for borrowers in Estonia, Spain, Finland and Slovakia and lenders in 29 countries across Europe (all European Union countries plus Switzerland). Following a new 1.3M Euro round of financing raised for the company, Bondora welcomes a new board to help the company in delivering
- [International P2P Lending Services - Loan Volumes March 2014 - Round Figures Crossed](https://www.p2p-banking.com/services/prosper-international-p2p-lending-services-loan-volumes-march-2014-round-figures-crossed/) - March brought growth for the major p2p lending services. Ratesetter managed to pass Zopa and Funding Circle in newly originated loan volume in the UK. I added one new service to the table. Note that I have switched the reporting currency to Euro as all but two services are located in Europe. Several p2p lending
- [Rocket Internet Launches Second P2P Lending Service: Zencap](https://www.p2p-banking.com/countries/germany-rocket-internet-launches-second-p2p-lending-service-zencap/) - Rocket Internet, the venture fund of the Samwer brothers, launches a second p2p lending service (after Lendico in December). Zencap will facilitate loans from 10,000 to 150,000 Euro to companies. To qualifiy the company has to be trading for at least two years, have solid financials and total revenue of more than a 100,000 Euro.
- [P2P Lending Site Isepankur - Review of My Portfolio After Q1 2014](https://www.p2p-banking.com/countries/baltic-p2p-lending-site-isepankur-review-of-my-portfolio-2014/) - It's been one and a half years now since I started p2p lending at Isepankur. And since my last report another 4 months have gone by. Since the start have deposited 10,000 Euro (approx. 13,750 US$). I hold over 650 loan parts - the diversification achieved is very good. Together the loans add up to
- [Lending Club Launches Business Loans](https://www.p2p-banking.com/services/lendingclub-lending-club-launches-business-loans/) - A huge step for Lending Club. Yesterday they launched loans to businesses. Lending Club business loans will range from 15,000 US$ to 100,000 US$ initially, with plans to increase to 300,000 US$ in the future. The loans carry fixed interest rates starting at 5.9% with terms of one to five years and no prepayment penalties.
- [P2P Lending to Become ISA Eligible Later This Year](https://www.p2p-banking.com/countries/uk-p2p-lending-to-become-isa-eligible-later-this-year/) - The UK government decided today that the annual ISA allowance (preferential tax treatment) will be increased from 11,520 to 15,000 GBP. The increased limit will apply to a single ISA, called the New Isa or NISA, which combines the current cash and stocks & shares wrappers. Under the new regime, individuals will be able to
- [Lendico Launches P2P Lending in Austria](https://www.p2p-banking.com/countries/austria-lendico-launches-p2p-lending-in-austria/) - Today Lendico launched the p2p lending service in Austria. It is the fourth country Lendico enters after Germany, Spain and Poland. Austria is pristine territory for p2p lending. Up to now no services were available to Austrian borrowers. Interest rates range from 2.99% to 15.99% (comparable to Lendico Germany) depending on credit grade. Loans are
- [Seven Players Join Forces to Promote Alternative Business Funding](https://www.p2p-banking.com/countries/uk-seven-players-join-forces-to-promote-alternative-business-funding/) - In the UK 7 innovative finance companies have joined forces and launched the Alternativebusinessfunding.co.uk website to inform SMEs what alternative funding methods they offer. Two p2p lending services Zopa and Funding Circle, two p2p equity (crowdinvesting) services Crowdcube and Seedrs as well as three other services Pension-Led Funding, Platform Black and MarketInvoice participate in this
- [How to Become a Shareholder of Crowdcube](https://www.p2p-banking.com/countries/uk-how-to-become-a-shareholder-of-crowdcube/) - Yesterday I invested a small amount and will become a shareholder of Crowdcube Ltd., which runs the British p2p equity marketplace Crowdcube.com (see earlier articles about Crowdcube). Crowdcube is currently using it's own platform to raise 300,000 GBP (approx. 470K US$) for a stake of 9% in the company. If you decide quick, you can
- [Westpac Banking Corp Invests Into P2P Lending Service Society One](https://www.p2p-banking.com/countries/australia-westpac-banking-corp-invests-into-p2p-lending-service-society-one/) - In Australia Reinventure Group, the new Westpac­-funded venture capital manager, has invested $5 million in p2p lending service Societyone. Society One, which was founded in August 2012 (see related earlier coverage) by Matt Symons and Greg Symons has originated about 200 loans totalling 4 million AUD. The loan book has doubled in the past six months. Westpac’s
- [Barclay's Bank Africa Acquires 49% Stake in P2P Lending Service Rainfin](https://www.p2p-banking.com/countries/africa-barclays-bank-africa-acquires-49-stake-in-p2p-lending-service-rainfin/) - Barclays Africa Group Limited (BAGL) has acquired a 49% stake in South African p2p lending service Rainfin. The investment amount is stated to be 'tens of millions of rands'. Rainfin says it wants to use the money to grow the business and improve the product. Rainfin launched in July 2012. CEO Sean Emery on the
- [P2P Lending Service Lendico Launches in Poland](https://www.p2p-banking.com/countries/poland-p2p-lending-service-lendico-launches/) - Today Lendico launched its p2p lending service in Poland. Poland is the third market Lendico serves, after Germany and Spain. Loan amounts can be between 1,000 and 50,000 PLN (approx 16,400 US$). Loan terms are from 1 to 5 years and interest rates range from 5.82% to 14.99%. Currently there are 8 open loan listings.
- [Peter Renton Starts Fund](https://www.p2p-banking.com/countries/us-peter-renton-starts-fund/) - Peter Renton, well known blogger at Lendacademy and founder of the Lendit Conference starts a fund (Lend Academy Investments LLC) that will invest in p2p loans at Prosper, Lending Club and Funding Circle. Co-founders are Jason Jones, a former hedge-fund manager, and Bo Brustkern, a valuation expert. The fund will raise 28 million US$ this
- [International P2P Lending Services - Loan Volumes February 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-february-2014/) - Even though February was a short month, several p2p lending services topped their January loan volume. Even more impressive is the continued year on year growth. 3 more services were added to the table. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file
- [How To Filter Isepankur Loans to Reduce Risks and Achieve Higher ROIs](https://www.p2p-banking.com/countries/baltic-how-to-filter-isepankur-loans-to-reduce-risks-and-achieve-higher-roi/) - As you all know, if you are a regular reader of this blog, I have been investing on the Isepankur p2p lending service for over a year. So far, I'm doing pretty well - Isepankur consistently ranks me into the top 10% of investors by achieved ROI. But I have to admit that my strategy
- [Rebuildingsociety Will Award One Interest Free Loan to One Business](https://www.p2p-banking.com/countries/uk-rebuildingsociety-will-award-one-interest-free-loan-to-one-business/) - Rebuildingsociety will award one free interest free loan to one business. For the selected loan, Rebuildingsociety will pay the interest to the lenders.
- [Isepankur Adds Slovakian Loans Starting Monday](https://www.p2p-banking.com/countries/baltic-isepankur-adds-slovakian-loans/) - P2P lending service Isepankur will open to borrowers in Slovakia starting next Monday. While Isepankur is open for lenders from all over Europe this is the fourth borrower market after Estonia, Finland and Spain. I contacted CEO Pärtel Tomberg and he told me: Slovakia is a small market with a very strong potential. We have
- [P2P Lending Services - Loan Volumes November 2013](https://www.p2p-banking.com/countries/germany-p2p-lending-services-loan-volumes-november-2013/) - P2P lending volumes grew further in November. Prosper points out that the slight decline was to be expected due to less origination days in this month. Looks like Funding Circle and Ratesetter are catching up on Zopa in Britain. I do monitor development of p2p lending figures for many markets. Since I already have most
- [International P2P Lending Services - Loan Volumes January 2014](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-january-2014/) - In January especially Zopa, Ratesetter and Isepankur showed strong growth over the previous month. New addition to the table is the Dutch service Geldvoorelkaar, which launched in Dec. 2010 after 1.5 years of development. The CEO Martijn van Schelven told P2P-Banking.com, that Geldvoorelkaar was checked and approved by the Dutch Central Bank (DNB). I do
- [A Visit with Lendico](https://www.p2p-banking.com/countries/germany-a-visit-with-lendico/) - Last week I flew to Berlin to visit Lendico and met the management. Lendico is the third entrant in the German p2p lending space and launched in December 2013. The fact that they are financed by Rocket Internet, the venture capital arm of the Samwer brothers, attracted additional attention to their launch. International Expansion A
- [P2P Lending Service Lending Works Launches](https://www.p2p-banking.com/countries/uk-p2p-lending-service-lending-works-launches/) - P2P lending service Lending Works launched today. The service says its unique selling proposition is that it offers lenders actual insurance and thereby more protection than the provision funds scheme major UK competitors like Zopa and Ratesetter do offer. Reading the fine print, there is insurance, but capped at 10% bad debt, which should be
- [Zopa Promotional Offer: Rate Promise](https://www.p2p-banking.com/countries/uk-zopa-promotional-offer-rate-promise/) - Today Zopa announced yet another promotional offer for lenders: Rate Promise. In this limited time offer Zopa promises lenders that '... the money you lend within the Offer Period, for up to 5 years, will earn an average return of 5% over the lifetime of those loans.' That is after fees. The offer is valid
- [More New P2P Lending Services](https://www.p2p-banking.com/countries/spain-more-new-p2p-lending-services/) - New p2p lending services are launching so fast, it is impossible for me to give each of them the detailed coverage they deserve. Instead I'll just report here that in the past weeks eLoan (in Israel), Zank (in Spain) and WeLend (in Hongkong) - related news article - have launched.
- [International P2P Lending Services - Loan Volumes December 2013](https://www.p2p-banking.com/countries/germany-international-p2p-lending-services-loan-volumes-december-2013/) - December was a month with mixed developments. While the US services and selected other services continued to grow, other services - especially the UK ones - had a slow month with decreasing volume. Of course this is influenced by the Christmas holidays. I do monitor development of p2p lending figures for many markets. Since I
- [Unbundling Trend Allows P2P Lending Services to Challenge Banks](https://www.p2p-banking.com/video-unbundling-trend-allows-p2p-lending-services-to-challenge-banks/) - Banks will be harmed by unbundling, allowing innovative startups using innovation to offer select services better. Fred Wilson explicitly mentions Lending Club, Funding Circle and Auxmoney (which are portfolio companies of Union Square Ventures).
- [Auxmoney Now Sets Interest Rates Based on Own Score Classes](https://www.p2p-banking.com/countries/germany-auxmoney-now-sets-interest-rates-based-on-own-score-classes/) - Auxmoney introduced a major change to the way interest rates are set. Instead of letting borrowers select the interest rate they are willing to pay, p2p lending service Auxmoney sets interest rates based on self-computed credit scores starting today. Auxmoney says it uses over 300 factors to grade borrowers either AAA, AA, A, B, C,
- [My P2P Lending Portfolio at Isepankur 12/2013 & Isepankur to add Slovakia](https://www.p2p-banking.com/countries/baltic-my-p2p-lending-portfolio-at-isepankur-12-2013-plus-slovakia/) - It's been 14 months now since I started a p2p lending portfolio at Isepankur. I feel confident now, that I understand fairly well how to get above average results. During the first months I usually logged in at least daily and watched bidding patterns and resale activity to learn how the other lenders made use
- [Finmar Launches P2P Loans to Business Owners](https://www.p2p-banking.com/countries/germany-finmar-launches-p2p-loans-to-business-owners/) - In Germany p2p lending service Finmar launches, offering loans from 2,500 to 25,000 Euro for loan terms from 6 to 60 month to business owners. Nominal interest rates range from 6 to 11 percent and are set by Finmar depending on the Schufa credit grade of the business owner. Finmar charges a 5.95% origination fee
- [P2P Lender Lendico Launches in Germany](https://www.p2p-banking.com/countries/germany-p2p-lender-lendico-launches-in-germany/) - Today Lendico opened its p2p lending doors to lenders and borrowers in Germany. The Berlin startup is funded by Rocket Internet the venture fund of Samwer brothers. Said to have been developed in 6 months the site now competes with Smava, Auxmoney and Isepankur for the German audience. The startup is said to plan an
- [Why Friendsclear Closed](https://www.p2p-banking.com/countries/france-why-friendsclear-closed/) - Friendsclear, a french p2p lending service, has been operating for more than 3 years. When I learned in the end of May that the company is closing down, I contacted the founders to find out why. Nicolas Guillaume, co-founder of Friendsclear, told P2P-Banking.com: The key points are the following: - We have been in a
- [Interview with Greg Ryan, CEO of Daric](https://www.p2p-banking.com/countries/us-interview-with-greg-ryan-ceo-of-daric/) - Daric will enter the US p2p lending market. I conducted an interview with CEO Greg Ryan in summer. I am publishing it now, as he has notified me that Daric will launch soon. What is Daric about? At Daric, our vision is to provide a platform to serve people that have capital and people that
- [P2P Lending Services – Loan Volumes October 2013](https://www.p2p-banking.com/countries/germany-p2p-lending-services-–-loan-volumes-october-2013/) - P2P lending volumes grew strongly in October. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly loan originations for selected p2p lending services. Table: P2P Lending Volumes in October 2013. Source: own research Note that volumes
- [Funding Circle Raises 37M US$ - Will Merge With Endurance Lending Network](https://www.p2p-banking.com/countries/us-funding-circle-raises-37m-us-will-merge-with-endurance-lending-network/) - UK p2p lending service Funding Circle which facilitates loans to businesses has raised 37 million US$. Funding Circle, launched in 2010, has raised a total of 58 million US$ venture capital now. The series C funding round was led by new investor Accel Partners, with participation from Ribbit Capital (another new investor) and Union Square
- [Interview - 4 Years Zidisha](https://www.p2p-banking.com/countries/us-interview-4-years-zidisha/) - I have been following and using Zidisha for years. Today I am glad to be able to publish another interview with Julia Kurnia, Director and Founder of Zidisha Microfinance. An earlier interview conducted 2011 is here. Zidisha celebrates its fourth birthday. What is the current status? Four years ago, Zidisha launched as the first direct
- [My Isepankur Investment After 11 Months](https://www.p2p-banking.com/countries/baltic-my-isepankur-investment-after-11-months/) - Three months have passed since I last wrote about the status of my p2p lending investment at Isepankur. I have deposited 8,000 Euro (approx. 10,500 US$) since starting in the end of 2012. I hold over 500 loan parts - the diversification achieved is very good. Together the loans add up to 9,190 Euro outstanding
- [Auxmoney Changes Display Rules for Credit Scores](https://www.p2p-banking.com/countries/germany-auxmoney-changes-display-rules-for-credit-scores/) - P2P lending service Auxmoney changed its TOS today. Auxmoney will make display of pulled credit scores mandatory (there are 3 score types obtained from different bureaus). In the past the display of credit scores was optional and borrowers could decide, if they want them in their listing. In fact borrowers could decide to remove credit
- [P2P Lending Services - Loan Volumes September 2013](https://www.p2p-banking.com/countries/germany-p2p-lending-services-loan-volumes-september-2013/) - P2P lending volumes grew again in September. Lending Club originated more than 200 million US$ in loans in one month. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly loan originations for selected p2p lending services.
- [Prosper Raises $25M Round Led by Sequoia Capital and Blackrock](https://www.p2p-banking.com/services/prosper-prosper-raises-25m-round-led-by-sequoia-capital-and-blackrock/) - Prosper Marketplace announced yesterday that it has raised 25 million US$ in additional funding to accelerate the company's growth . The round, which was led by existing partner Sequoia Capital, also includes a new investment by Blackrock, the world's largest asset manager, as well as a broad representation of existing investors. Since bringing on a
- [P2P Lending Loan Volumes in August 2013](https://www.p2p-banking.com/countries/germany-p2p-lending-loan-volumes-in-august-2013/) - P2P Lending volumes have grown again in August. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly loan originations for selected p2p lending services. This time there are two more services listed than last month. Table:
- [Zopa Discontinues 1 Year Loans](https://www.p2p-banking.com/countries/uk-zopa-discontinues-1-year-loans/) - Zopa stopped accepting applications for 1 year p2p loans today and now concentrates on 2-5 year loan terms. ...we've stopped accepting applications for 1 year loans. We introduced 1 year loans at the start of the year, with the expectation that they would become a strong channel for new loans and provide good returns to
- [Afluenta - P2P Lending in Argentina](https://www.p2p-banking.com/countries/latinamerica-afluenta-p2p-lending-in-argentina/) - Afluenta is a p2p lending service operating in Argentina. It has been reporting growth since its launch in September 2012. Afluenta offers loan terms of 1, 2 or 3 years. APRs are in the range of 35 to 50%. “We are more competitive than banks because we are faster, more economic and make a difference
- [P2P Lending Volumes in July 2013](https://www.p2p-banking.com/countries/germany-p2p-lending-volumes-in-july-2013/) - It has been some time since I last did an article at P2P-Banking.com on lending volumes. I do monitor development of p2p lending figures for many markets. Since I already have most of the data on file I can publish statistics on the monthly loan originations for selected p2p lending services. July was another month
- [P2P Lending Service Isepankur Opens To Borrowers In Finland](https://www.p2p-banking.com/countries/baltic-p2p-lending-service-isepankur-opens-to-borrowers-in-finland/) - Estonian p2p lending service Isepankur announced today that it now offers p2p loans to borrowers from Finland. Isepankur already opened to lenders from multiple markets last year. Now Isepankur adds Finland as the first foreign market executing the expansion strategy on the borrower side. Here is an excerpt of the announcement made today: Dear customer,
- [Prestadero Raised 400K Funding Round](https://www.p2p-banking.com/countries/latinamerica-prestadero-raised-400k-funding-round/) - Prestadero, a p2p lending service in Mexico, has raised a first funding round for 400,000 US$ led by Venture Partners Mexico. Prestadero was founded in 2011 by CEO Gerardo Obregon. Read selected press coverage about the service: 1, 2, 3, 4 during the past months.
- [Prosper Settles Class Action Lawsuit - Pays 10M US$](https://www.p2p-banking.com/services/prosper-prosper-settles-class-action-lawsuit-pays-10m-us/) - In a Form 8-K SEC Filing of today, Prosper announced that it settled the class action lawsuit that has been going on since 2008 (see first coverage by P2P-Banking.com). The plaintiffs claimed that Prosper sold unregistered securities. The claimants originally filed for 47M US$. Under the settlement Prosper will pay 2 million US$ now and
- [Lending Club's Cost Advantage Over Banks](https://www.p2p-banking.com/services/lendingclub-lending-club-cost-advantage-over-banks/) - If you are not totally new to p2p lending then you probably already heard the list of competitive advantages the p2p lending services have over banks: They don't need branches, they don't have old legacy infrastructure/software they need to maintain, they need less staff, their processes are faster, ... But how can this advantage be
- [Zopa Announce Business Loans](https://www.p2p-banking.com/countries/uk-zopa-announce-business-loans/) - Zopa has announced that they will start to offer business loans soon. Zopa will start with loans to sole traders. Soon we will introduce business loans to Zopa, offering good value loans to sole traders. We’ve chosen to start our business loans with sole traders for two reasons: 1. We saw that there were few
- [Milaap Raises 1.1M US$](https://www.p2p-banking.com/countries/india-milaap-raises-1-million-us/) - P2P microfinance service Milaap (see earlier coverage on P2P-Banking.com) raised 1.1 million US$ from Jungle Ventures (Singapore), Toivo Annus,Lionrock Capital, Jayesh Parekh and Unitus Seed Fund. The current round of funds will be utilized to expand engineering and marketing investments for enhancing the online product experience, and to invest in scaling up marketing and outreach
- [Ratesetter Raises 5M Funding - Valued at over 30M ](https://www.p2p-banking.com/countries/uk-ratesetter-raises-5m-funding-valued-at-over-30m/) - Ratesetter has raised 5 million GBP funding in June from existing shareholders, who include Peel Hunt founder Charles Peel, fund manager John Chatfeild-Roberts and Lazard chairman Ken Costa, plus a new Hong Kong-based investor. The founder Peter Behrens and Rhydian Lewis still own an almost 40% stake in the company which in this round had
- [P2P Lending: How are interest rates set?](https://www.p2p-banking.com/process-p2p-lending-how-are-interest-rates-set/) - Everybody talks about the win-win situation p2p lending offers for lenders and borrowers. By cutting out the large spread a bank takes when making a loan, the lender can get a higher interest rate, than he might in a savings account and the borrower may get a lower interest rate, than using his credit card.
- [Smava with Higher Net Loss for the Year 2011](https://www.p2p-banking.com/services/smava-smava-with-higher-net-loss-for-the-year-2011/) - German p2p lending Smava had a high net loss for the year 2011. Documents available to P2P-Banking.com show that Smava incurred a net loss of 2.77 million Euro (approx. 3.68 million US$) in 2011; up from 1.75 million EUR in 2010. Overall loss carried forward up to the end of 2011 was 7.7 million EUR
- [P2P Lending Panel at Le Web](https://www.p2p-banking.com/services/lendingclub-p2p-lending-panel-at-le-web/) - Video panel on p2p lending at Le Web with Samir Desai, CEO of Funding Circle, Renauld Laplanche, CEO of Lending Club and Raffael Johnen, CEO of Auxmoney.
- [P2P Lending Explained](https://www.p2p-banking.com/video-p2p-lending-explained/) - An Australian perspective on peer to peer lending by Rachel Botsman
- [My P2P Lending Loan Portfolio at Isepankur after 8 Months](https://www.p2p-banking.com/countries/baltic-my-p2p-lending-loan-portfolio-at-isepankur-after-8-month/) - When p2p lending service Isepankur opened up to investors from all EU countries five month ago, I started lending there. In this post I continue the series of posts reviewing the development of my loan portfolio. I have deposited 7,500 Euro (approx. 9,700 US$) since starting. My investment is spread out over more than 400
- [Funding Community Launches P2C Lending in the US](https://www.p2p-banking.com/countries/us-funding-community-launches-p2c-lending-in-the-us/) - Last week the p2c (peer-to-company) lending service Funding Community launched. P2P loans in the US so far were done nearly entirely to individuals. Funding Community wants to change that and enable loans to local businesses. Funding Community is open to lenders from most states (and not restricted to accredited investors). All loans are 9 months
- [Linked Finance Launches P2C Lending in Ireland](https://www.p2p-banking.com/countries/ireland-linked-finance-launches-p2c-lending-in-ireland/) - Linked Finance brings p2c lending to Ireland, enabling Irish residents (and companies) to lend to Irish companies. Borrowing companies are grouped into one of four categories (consumer, Manufacturing, industrial and agricultural, young businesses or knowledge, information technology (IT) and expertise). Linked Finance reviews each potential borrower and only allows businesses to borrow if they have
- [Disruption & Banking](https://www.p2p-banking.com/video-disruption-banking/)
- [New Investment Fund Focussing on Investing in Global P2P Lending](https://www.p2p-banking.com/uncategorized-new-investment-fund-focussing-on-investing-in-global-p2p-lending/) - 'P2P Income Partners' is a new investment fund by Symfonie Capital that will invest capital in p2p loans. The founder, Michael Sonenshine, an ex-investment banker, told P2P-Banking.com that he plans the first tranche to be 25 million Euro. He says: "Initially we will invest in loans issued by sites such as Prosper, Lending club, Funding
- [Isepankur Launches Secondary Market - P2P Loans Now Tradeable](https://www.p2p-banking.com/countries/baltic-isepankur-launches-secondary-market-p2p-loans-now-tradeable/) - Today Isepankur launched the possibility for lenders to sell and buy loan (parts) on a secondary marketplace. Lenders can list the loans they want to sell at the secondary marketplace and set a price which either is equal to the outstanding principal or apply a premium (up to 5%) or a discount to that. The
- [Auxmoney Raised 12M from Union Square Ventures and Index Ventures](https://www.p2p-banking.com/countries/germany-auxmoney-raised-12m-from-union-square-ventures-and-index-ventures/) - As reported earlier German p2p lending service Auxmoney completed a series A round in the end of 2012. Today the company disclosed that Union Square Ventures and Index Ventures participated in that round and invested 12 million US$. Together they hold 21,8% of the Auxmoney ownership. Both VC have made previous investments in p2p lending
- [Folk2Folk Introduces P2P Mortgages for Cornwall and Devon Properties](https://www.p2p-banking.com/countries/uk-folk2folk-introduces-p2p-mortgages-for-cornwell-and-devon-properties/) - Folk2Folk launches a p2p lending services for interest-only loans that are secured by first mortgages. A borrower may not use the home he lives in as security, the services aims at residential buy to let, holiday homes, commercial or industrial premises, farms and agricultural land. The loan amount can be 60% or less than the
- [Auxmoney Changes Business Modell; Raised Series A](https://www.p2p-banking.com/countries/germany-auxmoney-changes-business-modell-raised-series-a/) - Documents available to P2P-Banking.com show that German p2p lending service Auxmoney raised a series A round in the end of 2012 from 2 companies. The new investors now hold 21.8% of the shares, the 3 founders Philip Kamp, Raffael Johnen and Philipp Kriependorf hold 40.4% of the shares and the remainder is held by various
- [Review of My Isepankur Portfolio after 5 Months of P2P Lending](https://www.p2p-banking.com/countries/baltic-review-of-my-isepankur-portfolio-after-5-month-of-p2p-lending/) - When p2p lending service Isepankur opened up to investors from all EU countries five month ago, I started lending there. In this post I continue the series of posts reviewing the development of my loan portfolio. I have deposited 6,000 Euro (approx. 7,800 US$) since starting. The account currently has 126 Euro in cash, 70
- [Key Take-Aways from the Society One P2P Lending App](https://www.p2p-banking.com/countries/australia-key-take-aways-from-the-society-one-p2p-lending-app/) - Societyone, an Australian p2p lending service, presented a mobile app at Finovate Asia. Previous apps offered by p2p lending services either optimised the display of website data for the mobile interface or offered basic bidding functions for investors. This one goes far beyond that. It promises the borrower a loan application and funding within 3
- [Decline of P2P Lending Volume at Smava Continues](https://www.p2p-banking.com/services/smava-decline-of-p2p-lending-volume-continues/) - At German Smava.de the volume of newly originated p2p loans continues to fall and reached a record low of approx. 700K Euro in January. That's only about one-third of the volume Smava funded on its peak-time in mid-2010. Smava changed its business model in spring 2012, since then focusing on brokering bank loans and the
- [Prosper Raises $20M from Sequoia; Appoints New CEO](https://www.p2p-banking.com/services/prosper-prosper-raises-20m-from-sequoia-appoints-new-ceo/) - Prosper has raised 20 million US$ from Sequoia Capital. Prosper also announced it has appointed Stephan Vermut as Chief Executive Officer and member of the board of directors. Prospers management team is undergoing change after several persons left in December (e.g. David Silverman, Larry Cheng, Jeffrey Jacobs). The SEC recently approved Prospers new ProsperFunding LLC,
- [Lenders Can Use New Sellout Function to Exit Loans Early at Ratesetter](https://www.p2p-banking.com/countries/uk-lenders-can-use-new-sellout-function-to-exit-loans-early-at-ratesetter/) - Ratesetter yesterday introduced a new sellout function that allows lenders to exit their contracts early. How does it work? Lenders request the amount they wish to have returned to their Ratesetter Holding Account. Ratesetter works out whether this is possible and calculates the cost of doing so. The Lender confirms their wish to go ahead
- [B2B Loans Introduced at Isepankur](https://www.p2p-banking.com/countries/baltic-b2b-loans-introduced-at-isepankur/) - IsePankur, the Estonian P2P banking site, this recently added three innovations to their platform: Loan auctions that end immediately when the loan request is 100 percent funded Business accounts enabling Business-to-Business, Consumer-to-Business and Business-to-Consumer lending and borrowing An arbitrage court that will be in charge of solving disagreements coming from the loans, incl. defaulting loans
- [P2P Lending Site Isepankur Improves Loan Quality](https://www.p2p-banking.com/process/defaults-p2p-lending-site-isepankur-improves-loan-quality/) - Estonian p2p lending service isePankur successfully improved the loan quality in 2010. The company added several validation steps for loan applications. On top of the existing credit bureau checks and it's own scoring model isePankur introduced several manual checks on the borrowers in May and July. Since September borrowers need to submit bank statements which
- [Review of My P2P Lending Predictions for 2012](https://www.p2p-banking.com/uncategorized-review-of-my-p2p-lending-predictions-for-2012/) - In January 2012 I wrote down my predictions for p2p lending developments in 2012. The black text is my original prediction, with the review added in green and yellow. Deeper integration of mobile (probability
- [My Isepankur Portfolio after 2 Months of Lending](https://www.p2p-banking.com/countries/baltic-my-isepankur-portfolio-p2p-lending/) - Two month ago, when p2p lending service Isepankur opened up to investors from all EU countries, I started lending there. In this post I look at the status of the portfolio I have built so far. I have deposited 4,000 Euro (approx. 5,200 US$) over the past weeks. The account currently has 254 Euro in
- [Extreme Crowdinvesting Experiment - How I invested in a Startup that had no Idea](https://www.p2p-banking.com/countries/switzerland-extreme-crowdinvesting-experiment-how-i-invested-in-a-startup-that-had-no-idea/) - Roughly a year ago I came across an idea that sounded extreme. There was a crowdfunding pitch for a startup that had no team and no idea. What? Well the idea was that the startup once founded would use the 'Design Thinking' method to develop the idea and the business model in the first months
- [Rothschild Invests into Zopa](https://www.p2p-banking.com/services/zopa-rothschild-invests-into-zopa/) - Rothschild, through its RIT Capital Ltd investment trust, invested into p2p lending service Zopa. Their VC fund Augmentum Capital has led a "multi-million pound" round which for Zopa is the series D round. Forward Venture Partners as well as previous backers Bessemer Venture Partners and Wellington Partners participated in the investment. Details of the transaction
- [UK Government Plans to Regulate P2P Lending](https://www.p2p-banking.com/countries/uk-uk-government-plans-to-regulate-p2p-lending/) - Starting April 2014 p2p lending in the UK shall become a regulated activity. There are no further details yet, the Treasury said the aim of the coming consultations was to get the details right. The leading British p2p lending marketplaces Zopa, Ratesetter and Fundingcircle welcome the prospect of regulation. Sources: Financial Times, Ratesetter Blog.
- [Fundingknight Launches Auctions](https://www.p2p-banking.com/countries/uk-fundingknight-launches-auctions/) - British p2c lending Fundingknight, a service facilitating p2p loans to British companies, yesterday launched auction bidding. Basic requirements for companies to be eligible to submit a loan application are: The business must have at least two years trading history They must be limited companies registered at companies house And finally, they must be UK based
- [Pretdunion celebrates successful first year](https://www.p2p-banking.com/countries/france-pretdunion-celebrates-successful-first-year/) - French p2p lending service Prêt d’Union is very satisfied with the results of its first year's operations, saying it funded a loan volume of 10 million Euro (approx 12.8M US$). Currently the loan volume is growing at approx. 2 million Euro per month. In October Prêt d'Union raised the maximum loan amount from 19,500 to
- [The Innovation Process at Banks and why Neglecting P2P Lending Is Rational Behaviour For Bank Managers](https://www.p2p-banking.com/offtopic-the-innovation-process-at-banks-and-why-neglecting-p2p-lending-is-rational-behaviour-for-bank-managers/) - I finished reading "Innovation and the Future Proof Bank" (available at Amazon.com, Amazon UK and Amazon.de). The author James Gardner publishes the Bankervision blog, which I am a long time reader of. Gardner defines categories of incremental, revolutionary and breakthrough innovations and further differentiates between disruptive and sustaining innovation. The book discusses innovation theories and
- [The Lending Club Story](https://www.p2p-banking.com/services/lendingclub-the-lending-club-story/) - 'The Lending Club Story' is the new Kindle ebook written by Peter Renton. It covers the interesting development of Lending Club from a p2p lending startup to a company that has issued 1 billion US$ p2p loans. The process is explained for new lenders and borrowers and the story of selected borrowers and lenders is
- [How to Lend at Isepankur - Step by Step Guide](https://www.p2p-banking.com/countries/baltic-how-to-lend-at-isepankur-step-by-step-guide/) - Recently, p2p lending service Isepankur opened to international lenders. Residents from any European Union country and Switzerland can now sign up and start investing. There are no fees for lenders. I wanted to gain first hand experience as soon as possible so I signed up immediately and now share the process. Getting started - Registration
- [Isepankur Launches International Peer To Peer Lending](https://www.p2p-banking.com/countries/baltic-isepankur-launches-international-peer-to-peer-lending/) - The Estonian p2p lending service Isepankur recently opened up to international lenders. Anyone with a bank account in the European Union or Switzerland can now start lending at Isepankur. Borrowing is still restricted to residents and businesses in Estonia (due to regulation reasons). I expected cross-border lending to be happening in peer to peer lending
- [Win a Copy of Zidisha's New E-Book](https://www.p2p-banking.com/countries/us-win-a-copy-of-zidishas-new-e-book/) - Zidisha has just published the Kindle E-Book 'Venture: A Collection of True Microfinance Stories'. Authored by Zidisha staff and volunteers, the book is a rich and readable collection of real-life portraits of Zidisha entrepreneurs worldwide. Venture is written for Zidisha supporters and anyone else who would like to better understand the realities faced by the
- [Student Loan Site Social Finance Receives $77M in Funding](https://www.p2p-banking.com/countries/us-student-loan-site-social-finance-receives-77m-in-funding/) - Social Finance arranges p2p student loans from alumni investors to graduate borrowers in the US. Currently students from 78 schools are eligable to apply for a Sofi loan in order to refinance their student loan debt. Social Finance says that it has generated more than 60 million US$ in loan applications and is on track
- [Kiva Enters India](https://www.p2p-banking.com/servicesmicrofinance/kiva-enters-india/) - Today Kiva expanded its service to borrowers in India. India is the second most populous country and the largest democracy in Asia. India is an emerging economy (part of the aspiring fast growing so-called BRICS countries), but growth has slowed over the past years. India is still country with large differences. Kiva states that 'With
- [P2P Lending in India - Interview with i-lend](https://www.p2p-banking.com/countries/india-p2p-lending-in-india-interview-with-i-lend/) - VVSSB Shankar, founder & director of i-lend, answers the questions of P2P-Banking.com. What is i-lend about? i-lend is an Internet based P2P lending platform in India which went live two months ago. Presently this service is available in Hyderabad, Andhra Pradesh. The portal connects the two sets of customers i.e. borrowers and investors who register
- [Interview: 2 Years Zidisha - Part II](https://www.p2p-banking.com/countries/us-interview-2-years-zidisha-second-part/) - Read part one of the interview first This is the second part of an interview with Julia Kurnia, Director and Founder of Zidisha Microfinance. Does the Euro crisis in any way impact Zidisha’s business? The Euro is the home currency of many of our lenders. To the extent that the Euro crisis causes it to
- [Interview: 2 Years Zidisha - Part I](https://www.p2p-banking.com/countries/us-interview-two-years-zidisha-part-one/) - Today I am glad to be able to publish another interview with Julia Kurnia, Director and Founder of Zidisha Microfinance. As the interview text is a bit long for a blog post, I have split the interview in two parts. Nearly 2 years have passed since our first interview. In that time Zidisha has grown
- [Does P2P Lending Work for Microfinance? Lessons from Zidisha Inc.](https://www.p2p-banking.com/countries/us-does-p2p-lending-work-for-microfinance-lessions-from-zidisha-inc/) - Guest article, by Julia Kurnia, Director Zidisha Inc. Entrepreneurs in low-income countries often face a dilemma: their business activities don't earn enough to support their families, but they lack the investment capital needed to make the businesses more profitable. Restrictive political and economic conditions and geographic remoteness make it expensive for local banks to lend
- [Rainfin brings p2p lending to South Africa](https://www.p2p-banking.com/countries/africa-rainfin-brings-p2p-lending-to-south-africa/) - Today Rainfin launched the first p2p lending service in South Africa, which to my knowledge is the first national p2p lending service operating in an African country. Based on a sophisticated technology founders Sean Emery and Hannes van der Merwe launched the service after more than a year of implementation. Borrowers can apply for loan
- [New funding round for Pretdunion](https://www.p2p-banking.com/countries/france-new-funding-round-for-pretdunion/) - French p2p lending service Prêt d’Union raised 3.3 million EUR (approx. 4.2 million US$) in a new funding round from new investors (including Weber Investment, the holding of the two founders of la Financière de l’Echiquier and AG2R La Mondiale) and from its previous shareholders. The company has raised a total of 8.1 million EUR
- [Interview with Sophie Coles of Squirrl.com](https://www.p2p-banking.com/countries/uk-interview-with-sophie-coles-of-squirrl-com/) - On Wednesday the new p2p lending marketplace Squirrl.com launched. For an introduction on the concept read the article 'Squirrl Launch - Secured Loans to Suppliers'. Now Sophie Coles, Squirrl's Director of Business Development answers my questions. What is Squirrl about? Squirrl.com provides an online finance platform for well established commercial organisations (Suppliers) that have a
- [Squirrl Launch - Secured Loans to Suppliers ](https://www.p2p-banking.com/countries/uk-squirrl-launch-secured-loans-to-suppliers/) - Exclusive breaking news: In the UK Squirrl.com launches today. Squirrl provides an online finance platform for well established commercial organisations (Suppliers) that have a business model where assets are provided to their customers and paid for over a period of time through Pay for Use Agreements. Examples are the motor industry, industrial machinery, office equipment
- [Wokai is Closing Down](https://www.p2p-banking.com/countries/china-wokai-is-closing-down/) - Wokai, which funded microloans in China, is closing down. According to the announcement Wokai did not succeed in finding a new CEO. Read earlier articles on Wokai's launch in 2008.
- [Smava Changes Business Model; Brokers Bank Loans](https://www.p2p-banking.com/services/smava-smava-changes-business-modell-brokers-bank-loans/) - German Smava, launched 2007, yesterday announced that it will offer more products and evolve into a marketplace where borrowers seeking loans get multiple offers. The site logo and layout have been redesigned to reflect this change. Smava said p2p loans will be continued to be on offer and the new products (bank loans) added will
- [Zopa Will Offer More Loan Terms](https://www.p2p-banking.com/countries/uk-zopa-will-offer-more-loan-terms/) - Zopa will add more loan term selection for borrowers starting in the second half of May. So far Zopa was offering loan terms of either 36 or 60 months. In the future there will be Shorter Markets (24 and 36 months) and Longer Markets (48 and 60 months). While borrowers can elect the exact loan
- [How My Appbackr Experience Failed My Expectations](https://www.p2p-banking.com/countries/us-how-my-appbackr-experience-failed-my-expectations/) - Appbackr is a marketplace where everyone can crowdinvest in IPhone apps and Android apps. The way it works is that investors prefund future sales of apps. The investor buys the copies at a lower wholesale prices and makes a profit later, when the copies actually sell in the app store. I described the concept in
- [Zopa Profitable in 2011](https://www.p2p-banking.com/countries/uk-zopa-profitable-in-2011/) - P2P-Kredite.com reports that 2011 was the year in which Zopa achieved break-even and made a small profit. Zopa's profit in 2011 was 26,143 GBP (following a loss of 392,289 GBP in 2010). Zopa's turnover was 2.2 million GBP (approx. 3.5M US$), up from 1.7 million GBP in 2010. However the profit in 2011 is partly
- [Funding Circle Raises 10M](https://www.p2p-banking.com/countries/uk-funding-circle-raises-10m/) - British p2c lending marketplace Funding Circle announced that they have raised 10 million GBP (approx 16M US$) from Index Ventures and Union Square Ventures. Funding Circle enables individual lenders to lend to establishes businesses in the UK. Since its launch a loan volume of 28.6 million GBP has been funded. According to numbers published by
- [Symbid to Power Herofunding - P2P Equity for Game Developers](https://www.p2p-banking.com/countries/uk-symbid-to-power-herofunding-p2p-equity-for-game-developers/) - Dutch Symbid will power the new platform Herofunding.eu. Herofunding is a new crowd funding platform of Idea Fabrik Plc., creators of the HeroEngine, an integrated platform for online game development and operation. The platform is scheduled to go live in in the beginning of April 2012 and solely concentrates on the video game industry. Interested
- [Prosper CEO Chris Larsen Steps Down](https://www.p2p-banking.com/services/prosper-ceo-chris-larsen-steps-down/) - Prosper.com announced today, that Prosper founder and CEO Chris Larsen moved from the role of CEO and Chairman to serve exclusively as Chairman. He will be replaced by Dawn Lepore, who previously served as CEO and chairman of Drugstore.com. Lepore will serve as interim CEO. Larsen said: "As Prosper continues to achieve incredible growth, now
- [Updated: State of Selected P2P Lending Companies](https://www.p2p-banking.com/countries/germany-updated-state-of-selected-p2p-lending-companies/) - Exactly one year has passed since P2P-Banking.com published the post 'State of Selected P2P Lending Companies'. Time to update the information. This post reviews a selection of p2p lending companies and does a rating on more factors than just loan volume. While I describe below what factors led to my rating, please note that the
- [Zopa Turns 7 - Arranged over 180M Pounds in Loans](https://www.p2p-banking.com/countries/uk-zopa-turns-7-arranged-180m-pounds-loans/) - British P2P Lending marketplace Zopa celebrated its 7th birthday today. Zopa was the first to initiate a p2p lending marketplace over the internet, an innovation that meanwhile has grown to an industry with dozens of p2p lending services launched operating in most G20 economies. Giles Andrews, cofounder and CEO of Zopa said, 'After 7 years,
- [Ratesetter Adds More P2P Lending Choices](https://www.p2p-banking.com/countries/uk-ratesetter-adds-more-p2p-lending-choices/) - Ratesetter yesterday added more choices. Borrowers can select loan terms of up to 5 years. Lenders can invest money for 1 or 5 years (in addition to the existing monthly access and 3 year term choices). It is interesting that Ratesetter has decoupled the borrower's products from the lender's products. For a borrower loan with
- [P2P Lending Predictions For 2012](https://www.p2p-banking.com/uncategorized-p2p-lending-predictions-for-2012/) - I really like this time. The new year lies ahead with crispy, yet unknown innovations. What p2p lending developments might happen in 2012. Here are some personal opinions. Last year I failed big time with most of my predictions for 2012 not coming true. Deeper integration of mobile (probability
- [Communitylend Closes - Company Focuses on FinanceIt instead](https://www.p2p-banking.com/services/communitylend-closes-company-focuses-on-financeit/) - Today Canadian p2p lending site Communitylend announced that it will close the p2p lending marketplace to focus on its consumer lending business. Communitylend will continue to service existing loans; there will just be no new ones. Quote from the announcement: If you have been following the CommunityLend Peer to Peer (P2P) Lending story over the
- [Crowdcube Celebrates First Birthday - Crowdcube Infographic](https://www.p2p-banking.com/countries/uk-crowdcube-celebrates-first-birthday-crowdcube-infographic/) - British P2P Equity marketplace startup Crowdcube celebrates its first anniversary (Happy Birthday from P2p-Banking, too :-)). Lately Crowdcube picked up speed substantially in attracting more and more startups pitching for funding. While investors are currently very selective in what to fund, the volume funded has shown nice growth too. The following infographic by Crowdcube illustrates
- [How Do the Efforts of Prosper and Lending Club in Search Engine Marketing Compare?](https://www.p2p-banking.com/services/prosper-how-do-the-efforts-of-prosper-and-lending-club-in-search-engine-marketing-compare/) - Internet ventures are dependant to a certain degree to new visitors that are referred to them via search engines. A visitor that did a search on a very specific search term, e.g. 'get a personal loan' will have a very high chance to sign up if after that search he is introduced to the Prosper
- [Adwords Marketing Activity of British P2P Lending Marketplaces](https://www.p2p-banking.com/countries/uk-adwords-marketing-activity-of-british-p2p-lending-marketplaces/) - I did some research on use of Google Adwords in the online marketing strategy of Zopa, Funding Circle and Ratesetter. Who is most active in search engine advertising? I was surprised to see that Funding Circle is the most active in advertising on Google Adwords. The chart shows that Fundingcircle had active ads nearly the
- [Review of My P2P Lending Predictions For 2011](https://www.p2p-banking.com/uncategorized-review-of-my-p2p-lending-predictions-for-2011/) - In January 2011 I wrote down my predictions for p2p lending trends in 2011. Now let’s see how far I was off. The black text is my original prediction, with the review added in green and yellow. Advent of whitelabel providers (probability 100%) Okay let's start this with a safe bet. In 2011 there will
- [Zopa Italy Becomes Smartika](https://www.p2p-banking.com/services/zopa-italy-becomes-smartika/) - Zopa Italy will rebrand and change domain and company name. The new service will be available at Smartika.it. Maurizio Sella, CEO of Zopa Italy announced that the franchise agreement with Zopa has been resolved. The new company operates under the status of a payment institute.
- [Milaap Reports 10M INR in P2P Loans to India's Working Poor](https://www.p2p-banking.com/countries/india-milaap-reports-10m-rupees-p2p-loans-to-indias-working-poor/) - P2P microfinance service Milaap.org reports the milestone of 10 million indian rupees (approx 190,000 US$) lent in 18 months with a repayment rate of 100% so far. Good news right in time for Christmas!
- [Kiva Enters Direct P2P Microfinance](https://www.p2p-banking.com/servicesmicrofinance/kiva-zip-enters-direct-p2p-microfinance/) - Kiva Zip is an experimental site facilitating direct p2p microfinance loans without any intermediaries. The original Kiva model relies on MFIs (microfinance institutions) which locally validate borrower request and disburse the money and collect the repayments. Kiva Zip eliminates the intermediaries directly connecting lender and borrower in person to person microlending. This will reduce interest
- [Civilised Money Raises 100K Through P2P Equity](https://www.p2p-banking.com/countries/uk-civilised-money-raises-100k-through-p2p-equity/) - UK startup Civilised Money has raised 100,000 GBP from 121 individual investors using the p2p equity platform Crowdcube. The investors will own 10% of the funding after the legal process of the funding is completed. The funding was completed in just 9 days, showing the potential p2p equity has in the UK. Civilised Money plans
- [Short News: Smava, Fidor, P2P Equity, SEIS, This is Money](https://www.p2p-banking.com/services/smava-short-news-smava-fidor-p2p-equity-seis-this-is-money/) - German laws require a banking license to hand out loans. To comply with regulation the two active German p2p lending services partner with a transaction bank, which originates funded loans and then sells the debt claim to the individuals ('lenders') that did bid on the loan request on the p2p lending marketplace. Smava now switched
- [Experimenting with Appbackr - Promising and Treacherous](https://www.p2p-banking.com/countries/us-experimenting-with-appbackr-promising-and-treacherous/) - In August I discovered Appbackr. Appbackr is a marketplace where everyone can invest in IPhone apps and Android apps. Crowdfunding for app development? That sounded very interesting and innovative. I read the information supplied and the way it works is that investors prefund future sales of apps. The investor buys the copies at a lower
- [In Bed with the Enemy? Kiva and the Chevron Grant](https://www.p2p-banking.com/servicesmicrofinance/kiva-in-bed-with-the-enemy-kiva-chevron-grant/) - 100% of the money Kiva lenders loan goes to the borrowers via the MFIs. Kiva funds it's operations by donations and grants. The list of corporate partners supporting Kiva is long and growing. When Kiva announced that they received a 0.5 million US$ one-year grant from Chevron to assist with operational needs across the organization
- [A Day of Unconventional Advertising](https://www.p2p-banking.com/countries/uk-a-day-of-unconventional-advertising/) - I love unusual marketing ideas. Therefore I contracted Ross and Ed, 2 british students, to 'advertise' P2P-Banking and to support them in their quest out of college debt. You can read about their idea at BuyMyFace.com.
- [UK Borrowers Benefit From Lower Interest Rates at Ratesetter](https://www.p2p-banking.com/countries/uk-borrowers-benefit-from-lower-interest-rates-at-ratesetter/) - Borrowers needing a small loan can turn to p2p lending marketplace Ratesetter, which matches borrower requests with funding supplied by private lenders. Borrowers can choose a variable rate loan (rolling loan) or a 36 months fixed rate loan. Nominal rates for the 36 months loan have fallen considerably in the past six months from approx.
- [Pretdunion Gains Banking License And Raises Funding](https://www.p2p-banking.com/countries/france-pretdunion-gains-banking-license-and-raises-funding/) - It is a successful autumn for French p2p lending service Prêt d'Union. After two years of work, Prêt d'Union was granted a banking license by the French authority. Prêt d'Union also raised a second financing round for 3.8 million Euro (approx. 5.2 million US$) from Crédit Mutuel Arkea and Kimaventures and others. The total funding
- [U-Haul Does P2CLending - Issues Own Notes](https://www.p2p-banking.com/countries/us-u-haul-does-p2clending-issues-own-notes/) - A new twist to peer-to-company lending. So far p2p lending marketplaces facilitated lending from the crowd to other companies now U-Haul has its own p2p marketplace called U-Haul Investors Club. There anybody can purchase collateralized debt security notes issued by Amerco (the parent company of U-Haul). The minimum deposit required to start investing is 100
- [P2P Lending Technology - Make or Buy](https://www.p2p-banking.com/technology-p2p-lending-software-make-or-buy/) - The core ingredient a new P2P Lending company needs is a platform to operate on. The importance of the quality of the software used for the success of the business is high. Not only does interaction with the customer nearly exclusively take place via the interface the website offers, but ideally most processes that are
- [Crowdfunding via Starbucks](https://www.p2p-banking.com/countries/us-crowdfunding-via-starbucks/) - Starting next weeks Americans can help to jump-start the economy sipping coffee at Starbucks. By donating 5 US$ they help to fund community loans to community businesses—including small businesses, microenterprises, nonprofit organizations, commercial real estate, and affordable housing— all across the country committed to creating and sustaining jobs. Donors who contribute $5 or more will
- [Smava Raises 4 Million; Gets Share in Prestiamoci](https://www.p2p-banking.com/services/smava-smava-raises-4-million-gets-share-in-prestiamoci/) - German p2p lending service Smava has raised 4 million Euro in a new round. New investor in this round is the largest Italian private bank "Banca Sella". Smava also joins in on Italian p2p lending service Prestiamoci saying that Smava aims to grow to a leading European p2p lending service. This is actually the second
- [Germany - Do Borrowers on Smava Differ From the Average Population? ](https://www.p2p-banking.com/services/smava-germany-do-borrowers-on-smava-differ-from-the-average-population/) - A new study of the DIW Berlin (see page 3-9) (authors: Nataliya Barasinska, Nicola Jentzsch und Dorothea Schäfer) has analysed Smava loan data from the years 2007 to 2011 and found out that people who use p2p lending Smava for borrowing resemble the average population using conventional bank loans. Against expectations there was no major
- [RateSetter Finishes Successful First Year](https://www.p2p-banking.com/countries/uk-ratesetter-finishes-successful-first-year/) - In England p2p lending service RateSetter celebrated it's first year in business anniversary a few days ago. The loan volume matched is close to 9 million GBP, spread out over 2.400 loans.RateSetter has currently about 65.000 members. RateSetter has a rather unique business model in the p2p lending landscape which builds on anonymously matching demand
- [Get Rid of Banks and Replace Them With P2P Lending?](https://www.p2p-banking.com/uncategorized-get-rid-of-banks-and-replace-them-with-p2p-lending/) - That's a bid radical for me - and I would never demand that. But that's the tenor of the paper 'Get rid of banks and build a modern financial world!' by Richard Lenz. He argues: ... This trend must now be continued in regulatory and economic politics: The web-based transferal of capital over Internet platforms
- [New Study on P2P Microfinance and Zidisha](https://www.p2p-banking.com/countries/us-new-study-on-p2p-microfinance-and-zidisha/) - Sander van Damme has written the master thesis 'Peer to peer Microfinance: the case of Zidisha.org' at the Louvain School of Management (Belgium). The 70 page study dives deep into analysis of Zidisha's complete loan portfolio (Q4 2009 - Q1 2011). It offers a very comprehensive overview on the p2p microfinance operations of Zidisha, the
- [Stunning Visualization of Kiva Loan Growth](https://www.p2p-banking.com/servicesmicrofinance/kiva-stunning-visualization-of-kiva-loan-growth/) - In this video animation each moving point is a Kiva loan share. A share leaves the lender on the fundraising date and returns from the borrower on the loan's ended/repaid date. Absolutely stunning to watch the dimension.
- [Crowdcube a Winner of Smarta 100 Award](https://www.p2p-banking.com/countries/uk-crowdcube-a-winner-of-smarta-100-award/) - P2P equity site Crowdcube is a winner in the Smarta Top 100 Award 2011. The Smarta 100 is "a celebration of the most resourceful, original, exciting and disruptive small businesses in the UK". Crowdcube has been selected in Top 5 for "Innovation". Users can still vote for their favourite company on the Smarta site.
- [Funding Circle Allows Multiple Loans and Higher Risk Loans](https://www.p2p-banking.com/countries/uk-funding-circle-allows-multiple-loans-and-higher-risk-loans/) - Funding Circle will allow multiple loans by the same borrower and also open up to "C" rated borrowers which were so far excluded from loan funding. These changes will be enacted on Sept. 19th. In the blog Funding Circle explains the reasoning for allowing multiple loans: Businesses typically have multiple finance needs throughout the year,
- [Growth and other Recent News in P2P Lending](https://www.p2p-banking.com/services/prosper-growth-and-other-recent-news-in-p2p-lending/) - Zopa has announced that it reached the milestone of 150 million GBP in loans facilitated. Zopa says the new loan volume per month accounts for between 1% and 2% of new personal loan volume made in the UK. P2P lending service Lending Club announced yesterday that it has been selected as a World Economic Forum
- [Peer-to-Peer Finance Association Founded by British P2P Lending Services](https://www.p2p-banking.com/countries/uk-peer-to-peer-finance-association-founded/) - Zopa, Fundingcircle and Ratesetter announced the launch of the 'Peer2Peer Finance Association'. The members say that the new UK trade body is set up primarily to ensure the growing sector maintains high minimum standards of protection for consumers and small business customers, as it brings much-needed new competition and innovation to the banking market. In
- [MYC4 Site Went Down With Amazon Cloud Outage and Still Is Down](https://www.p2p-banking.com/servicesmicrofinance/myc4-myc4-site-went-down-with-amazon-cloud-outage-and-still-is-down/) - Like several other internet companies MYC4 was hard-hit by the outage of Amazon's Data Center in Ireland. Days later the MYC4 site is still down with only the blog (which resides on Wordpress) functional.
- [P2P Equity Service Seedmatch Launched](https://www.p2p-banking.com/countries/germany-p2p-equity-seedmatch-launched/) - Last week, following 2 years of preparation, Seedmatch launched the first p2p equity service in Germany. Startups can pitch for up to 100,000 EUR (approx. 142,600 US$) funding. Investors can bid amounts starting form 250 EUR. Due to the legal and regulatory situation Seedmatch uses a construct ("Stille Beteiligung"), where investors do not become shareholders
- [Lending Club Gets $25M More Funding](https://www.p2p-banking.com/services/lendingclub-gets-25m-more-funding/) - P2P Lending service Lending Club has raised another 25 million US$ funding. Union Square Ventures led the Series D round and joins Lending Club as a Board Observer. All existing venture investors participated in the funding round. “We are thrilled to welcome Union Square Ventures as an equity partner,” said Lending Club CEO Renaud Laplanche.
- [Review of Symbid: My first investment in a startup](https://www.p2p-banking.com/countries/netherlands-review-of-symbid-my-first-investment-in-a-startup/) - Time for me to personally test Symbid (see earlier coverage) and try out how smooth the process is and how easy it is to invest in a startup with Symbid. No matter how remote you live - be it India or Argentina - you can invest in an internet startup online within minutes and get
- [First Business Offer Fully Funded at Crowdcube](https://www.p2p-banking.com/countries/uk-first-business-offer-fully-funded-at-crowdcube/) - On the peer-to-peer equity market Crowdcube (see earlier coverage) the first business succeeded in raising the desired funding in exchange for equity. Yesterday bodycare business Bubble & Balm hit its funding target of 75,000 GBP. The amount was funded by 82 investors which will in return receive 15% of the equity of the company. I
- [Zopa Removes Listings - Concentrates on Markets](https://www.p2p-banking.com/countries/uk-zopa-removes-listings-concentrates-on-markets/) - Recently Zopa UK removed the 'Listings' functionality that allowed borrowers to list individual loans. Listings were introduced in October 2007 as a add-on to the original Zopa markets model. Here is the official announcement of Zopa regarding the removal of the Listings function: You might know that Zopa is a little unusual amongst the now
- [A Guide to US Regulation on P2P Lending](https://www.p2p-banking.com/services/prosper-a-guide-to-us-regulation-on-p2p-lending/) - Ever wondered how p2p lending is regulated in the US in detail? The new GAO report 'Person-To-Person Lending: New Regulatory Challenges Could Emerge as the Industry Grows' has all the details and covers the situation of Prosper, Lending Club and Kiva. It also reviews possible regulatory changes.
- [Interview with Korstiaan Zandvliet, Managing Director Symbid](https://www.p2p-banking.com/countries/netherlands-interview-korstiaan-zandvliet-managing-director-symbid/) - Symbid was first covered in the P2P-Banking blog two weeks ago. IÂ interviewed Korstiaan Zandvliet to get a deeper insight into the service. What is Symbid about? Symbid is the first online investment platform where the crowd directly invests in the equity of a start-up or existing company! Everybody can be an investor, each part
- [Trustbuddy - P2P Lending Service Listed at Public Stock Exchange](https://www.p2p-banking.com/countries/sweden-trustbuddy-p2p-lending-service-listed-at-public-stock-exchange/) - I have been aware of Trustbuddy for some time. They are (at least internationally) pretty unknown since they do not do much marketing. I have only once written about them before, in order not to give publicity to a company which charges interest loans for rates in a height, that I deem could be called
- [Lending Club Nearing Break Even](https://www.p2p-banking.com/services/lendingclub-lending-club-nearing-break-even/) - Peter in an article over at SocialLendingNet has collected some interesting statements showing that Lending Club is close to be able reaching break even on cash flow terms. Renauld Laplanche told him, that Lending Club has topped 1 million US$ monthly revenue and could thereby cover it's operating expenses, if investments in the future (technology,
- [Symbid Launches P2P Equity in the Netherlands](https://www.p2p-banking.com/countries/netherlands-symbid-launches-p2p-equity-in-the-netherland/) - Symbid is the first service to launch the p2p equity concept in the Netherlands. Most of the site is available in Dutch only, but the info film is in English so I will embed that here. Apparently there will be an English language version of the site soon.
- [390,000 US$ P2P Loan Funded via Rebirth Financial](https://www.p2p-banking.com/countries/us-390000-dollar-p2p-loan-funded-via-rebirth-financial/) - Rebirth Financial announced that it facilitated a 390,000 US$ loan via it's social lending platform to NOLA Brewing Company. You can read more about NOLA Brewing company here. The press release says: "In the case of NOLA Brewing, Rebirth Financial matched the loan to ASI Federal Credit Union in less than one week. 'Rebirth’s process
- [Recent News from P2P Lending Blogs](https://www.p2p-banking.com/services/prosper-recent-news-from-p2p-lending-blogs/) - Here are some recently published articles on several p2p lending topics: Sociallending.net: The Best Day to Borrow Money at Lending Club P2P Lending News: Prosper and Lending Club Compete for Investor Market Share CreditUnionTimes: Consultant Warns Banks and CUs Risk Becoming Passé DoughRoller: Lending Club Investment Strategy (Update) Janari Rahablog: Omaraha.ee laenude vahenduse portaal GlobalVoices:
- [The Merge of P2P Lending and Crowdfunding](https://www.p2p-banking.com/countries/korea-the-merge-of-p2p-lending-and-crowdfunding/) - P2P Lending and crowdfunding are two totally different concepts you say? True so far. P2P Lending means the lender loans the borrower money. The amount is repaid together with interest. Crowdfunding is usually applied to describe concepts were a crowd decides to finance project. The motivation there is to see the project getting done. The
- [Do Your Friends Determine If You Are Creditworthy?](https://www.p2p-banking.com/countries/us-do-your-friend-determine-if-you-are-creditworthy/) - A new US patent filed claims that may be a good idea! The patent application "System and method for assessing credit risk in an on-line lending environment" describes a risk assessment method, where the first level links on a social network would be checked for a borrower. It aims to derive insights from looking at
- [Study Shows Women P2P Lenders Not More Risk-Averse](https://www.p2p-banking.com/services/smava-study-shows-women-p2p-lenders-not-more-risk-averse/) - Are women more risk-averse then men when it comes to lending money to strangers via p2p lending services? A recent study by Nataliya Barasinska, analyzed what impact gender has on the investment decisions. In the study, which was supported by a grant by the European Commission, she looked at bidding and loan data of the
- [Friendsclear Temporarily Halts Operations Due To Regulation Issues](https://www.p2p-banking.com/countries/france-friendsclear-temporarily-halts-operations-due-to-regulation-issues/) - Regulation is an often met obstacle to p2p lending. This time Friendsclear in France is affected and has announced a temporary stop to new loan funding. The Banque de France has requested changes in the operating procedures that Friendsclear and its banking partner Crédit Agricole use. Friendsclear expects the suspension of funding of new loans
- [Fundingcircle Raises £2.5 Million Funding From Index Ventures](https://www.p2p-banking.com/countries/uk-fundingcircle-raises-2-half-million-funding/) - British Fundingcircle.com has announced the closing of £2.5m of Series A financing from Index Ventures, co-investors and existing shareholders. Since Funding Circle launched in August 2010, more than 4,000 businesses and savers have signed up, with 11.5 million GBP offered to businesses to date. Currently, lenders have collectively earned 120,000 GBP in interest with average
- [Friendsurance - First P2P Insurance Concept Launched](https://www.p2p-banking.com/countries/germany-friendsurance-first-p2p-insurance-concept-launched/) - It was only a matter of time, that the p2p concept would be applied zo the insurance sector. Friendsurance does just that. You invite your friends and relatives, and they agree to cover part of the damage. In exchange Friedsurance claims that you can save up to 50-70% of the insurance costs. At the moment
- [CARE Runs Lendwithcare Microfinance Platform](https://www.p2p-banking.com/countries/uk-care-runs-lendwithcare-microfinance-platform/) - CARE International UK runs the p2p microfinance platform Lendwithcare.org. For a minimum investment of 15 GBP anybody can help funding a loan to entrepreneurs in Africa or Asia. Lendwithcare has partnered with local MFIs in Benin, Togo, Philippines, Cambodia and Indonesia that disburse the loan to the borrower. Lenders do not receive interest. Aside from
- [Inuka Launch - P2P Microfinance For Female Owned Businesses in Africa](https://www.p2p-banking.com/countries/africa-inuka-launch-p2p-microfinance-for-female-owned-businesses/) - Two weeks ago Inuka.org launched into public beta. Inuka’s initial focus will begin in East Africa, where it has partnered with several microfinance Institutions that will be responsible for sourcing loans, uploading them on Inuka’s online portal, performing credit reviews on potential borrowers and collecting repayments. Inuka has selected two microfinance partners in East Africa
- [Changing the World Through Crowdfunding](https://www.p2p-banking.com/uncategorized-changing-the-world-through-crowdfunding/) - Although women play a major role in the economic development of emerging economies, they have the least access to capital and credit compared to their male counterparts. Giving more credit to women has been mooted as one of the fastest ways to reduce poverty in emerging economies. The virtues of female entrepreneurship have been extolled
- [Zopa Italy Overcomes Legal Problems ](https://www.p2p-banking.com/countries/italy-zopa-italy-overcomes-legal-problems/) - The bank of Italy has authorised Zopa Italy to operate as a payment institute. Zopa now cleared the legal problems it encountered in 2009. Maurizio Sella of Zopa Italy stated that Zopa will resume loan financing after performing some legal steps necessary in connection to being regulated as a payment institute.
- [VISA P2P Payments Introduced in US](https://www.p2p-banking.com/countries/us-visa-p2p-payments-introduced-in-us/) - Today VISA introduced p2p personal payments in the US market. VISA partnered with CashEdge and Fiserv which will incorporate the new service to their platforms Popmoney and Zashpay. The service allows to make payments directly to the recipients VISA account. The new VISA person-to-person payment service was launched first with selected partners in Europe in
- [State of Selected P2P Lending Companies](https://www.p2p-banking.com/countries/germany-state-of-selected-p2p-lending-companies/) - More than 2 years have passed, since P2P-Banking.com published the first overview table of p2p lending companies. At that time the focus was to create a comprehensive list and to get a perspective on the loan volumes. Today I want to look at a smaller selection of p2p lending companies and do a rating on
- [Petition Might Lower Hurdles for P2P Equity and Crowdfunding in the US](https://www.p2p-banking.com/countries/us-petition-might-lower-hurdles-for-p2p-equity-and-crowdfunding-in-the-us/) - A petition ('Petition for Rulemaking: Exempt securities offerings up to 100,000 with 100 maximum per investor from registration') submitted last July by the Sustainable Economies Law Center to the SEC, aims to exempt securities offerings of up to 100,000 US$ with a limit of 100 US$ per investor. If a new rule granting exemption would
- [CommunityLend Raises 1.5 Million CAN$](https://www.p2p-banking.com/countries/canada-communitylend-raises-1-and-half-million/) - CommunityLend has closed a 1.5 million CAN$ private placement from several individual angel investors and an institutional investment fund. The proceeds of this private placement will go to scaling up loan origination, loan adjudication, and loan servicing operations, the company says, continuing: This investment comes on the heels of a successful year since our launch
- [Peer-to-Peer Equity: Crowdcube](https://www.p2p-banking.com/countries/uk-peer-to-peer-equity-crowdcube/) - With the introduction of p2p lending some lenders wrote that the concept enabled everyone to feel as banker. Now, newly launched Crowdcube.com enables any UK resident to feel as venture capitalist for a financial commitment as low as 10 GBP. Investors can browse pitches which usually include business plans and financial projections and sometimes even
- [Thoughts on Future Pricing for P2P Lending Services](https://www.p2p-banking.com/process/marketing-thoughts-on-future-pricing-for-p2p-lending-services/) - Multi-sided platform are platforms that need to attract two or more customer groups in order to create value. They interconnect these groups serving as intermediary setting the rules. The platform need to achieve satisfactory results for both/all sides. One example are video game console manufactures. The product will only attract enough buyers if enough games
- [The Largest P2P Lending Service Is ...](https://www.p2p-banking.com/countries/china-the-largest-p2p-lending-service-is/) - ... Creditease.cn in China. Founded in 2006, Creditease has grown strongly and now has 2,200 employees in 20 cities. The new loan volume originated each month is about 25 million US$. Only the lender offer is available online. The borrower application is mainly an offline process, with all borrowers subject to a 30 minute personal
- [New VC round for Smava](https://www.p2p-banking.com/services/smava-new-vc-round-for-smava/) - German p2p lending Smava completed another financing round. The new capital raised comes from the VCs that already invested in earlier rounds. Earlybird increased their investment from previously 39% of shares to now 56% and Neuhaus Partners increased their part from 12.5% of share to now 17%. The original founders Alexander Artopé, Sebastian Rieschel and
- [Maximum Loan Amount at Lending Club now 35000 US$](https://www.p2p-banking.com/services/lendingclub-maximum-loan-amount-at-lending-club-now-35000-dollar/) - Lendingclub.com raised the maximum amount for loans from 25,000 to 35,000 US$ yesterday. I expect this will raise the monthly originations further.
- [Rebirth Financial - P2C Lending to Businesses in Louisiana](https://www.p2p-banking.com/countries/us-rebirth-financial-p2c-lending-to-businesses-in-louisiana/) - Chonchol Gupta and Xavier Cabo, two graduates of the Tulane University’s A.B. Freeman School of Business, founded RebirthFinancial.com to enable small businesses from Louisiana easier access to loans. Interested businesses are screened and once approved can apply for loans between 5,000 and 100,000 US$ with loan terms ranging from 5,000 to 100,000. There is only
- [What is Fidorpay and how is it Relevant to P2P Lending](https://www.p2p-banking.com/countries/germany-what-is-fidorpay-and-how-is-it-relevant-to-p2p-lending/) - Notice the headline of the article. I have chosen it, because I found it hard to describe what Fidorpay is. And Fidor itself meets the broad scope of questions, that the novelty service provokes, with a main FAQ of no less than 115 questions and answers. But I'll try my best: Fidorpay is a prepaid
- [The Shift Towards User Centric Finance](https://www.p2p-banking.com/video-the-shift-towards-user-centric-finance/) - (via TheBankwatch)
- [Preview of Coming Zopa TV Ad Targeting P2P Lending Borrowers](https://www.p2p-banking.com/countries/uk-preview-of-coming-zopa-tv-ad-targeting-p2p-lending-borrowers/) - Watch the preview of the coming new Zopa TV advert. It will air starting next Monday on channels like Dave, More4, Sky Sports 2 and ITV4. There will be a second version emphasizing how Zopa is different from banks.
- [P2P Lending Site Ratesetter Raises another 600k](https://www.p2p-banking.com/countries/uk-p2p-lending-site-ratesetter-raises-600k/) - UK p2p lending service Ratesetter has raised another 600,000 GBP from undisclosed existing and new investors. The total equity funding of the company now is 1.5 million GBP. The additional funding will be used for marketing purposes. RateSetter co-founder and CEO Rhydian Lewis said: “We’re thrilled that RateSetter has earned the confidence of some well-respected
- [joinFITE launched by Kiva and Dermalogica](https://www.p2p-banking.com/servicesmicrofinance/kiva-joinfite-launched-by-kiva-and-dermatologica/) - Announcement by Kiva on joinFITE a new microlending platform to fund woman entrepreneurs: In partnership with Dermalogica and strategic partners, today Kiva.org is launching joinFITE.org to provide microloans to women entrepreneurs in low-income regions of the United States and 56 other countries. A novel aspect of the campaign is its engagement of retail consumers as
- [P2P Lending Expectations for 2011](https://www.p2p-banking.com/uncategorized-p2p-lending-expectations-for-2011/) - I always enjoy speculating what p2p lending developments might happen in the year to come and then look back in in the end to see how I did. I don't dare call it forecast, because these are just my personal opinions, though in some cases it's an educated guess based on what I know individual
- [Review of My P2P Lending Predictions For 2010](https://www.p2p-banking.com/services/smava-review-of-my-p2p-lending-predictions-for-2010/) - In January 2010 I wrote down my predictions for p2p lending trends in 2010. Now let’s see how good my crystal ball was. The black text is my original prediction, with the review added in green and yellow. More competition and entering more national markets (probability 100%) This is a fairly easy bet. There are
- [P2P Lending Year-End Review 2010](https://www.p2p-banking.com/services/prosper-p2p-lending-year-end-review-2010/) - As the end of 2010 approaches here is a selection of main peer-to-peer-lending news and developments covered by P2P-Banking.com: January: Focus on Zidisha with an Zidisha review and an interview with Zidisha founder Julia Kurnia; P2P Lending companies Monetto and Bankless Life close February: Isepankur introduces B2B Loans March: Smava turns 3, merges polish operations
- [Fairplace Faces Investigation by Federal Police](https://www.p2p-banking.com/countries/latinamerica-fairplace-faces-investigation-by-federal-police/) - Fairplace, the first p2p lending service in Brazil, faces an investigation by the Federal Police (Polícia Federal). Launched in April Fairplace so far facilitated 2.5 million BRL (approx. 1.5 million US$) loans. Apparently the Central Bank requested an investigation as early as August 10th, claiming that Fairplace violates laws that prohibit companies that are not
- [Gimmick - App for P2P Lenders](https://www.p2p-banking.com/countries/us-gimmick-app-for-p2p-lenders/) - I just saw the first iPhone App that is to support lenders in using p2p lending services. It aims to help them keeping up to date with the latest listings at Prosper, Lending Club and Kiva. The features of this app are rather basic, but with the number of people lending at p2p services there
- [CommunityLend Starts FinanceIt - Offers Sales Financing Solutions for Businesses](https://www.p2p-banking.com/countries/canada-communitylend-starts-financeit-offers-sales-financing-solutions-for-businesses/) - Canadian P2P Lending company CommunityLend has launched new site: FinanceIt. FinanceIt allows Canadian businesses to provide their own in-house financing directly to their customers. Initially FinanceIt targets home improvement vendors, a line of business in which FinanceIt says Canadians finance 51 cents on every dollar spent. Features of FinanceIt include: A complete lending platform, including
- [Prosper Moves To Pre-Set Rates; Abandons Auction Model](https://www.p2p-banking.com/services/prosper-moves-to-preset-rates-abandons-auction-model/) - P2P Lending site Prosper.com changed its business model today. The company announced: 'Our site has a new look, and we've eliminated the auction and simplified our loan process so that we can connect lenders and borrowers more efficiently. Borrowers will receive pre-set rates and lenders cannot be outbid. We hope you’ll appreciate this streamlined and
- [Nooch Promises Simple Peer To Peer Money Transfers](https://www.p2p-banking.com/countries/us-nooch-promises-simple-peer-to-peer-money-transfers/) - Nooch won Duke's University Fuqua School of Business Elevator Pitch netting 5,000 US$. Nooch aims to allow anyone to use a smartphone to pay back a friend, settle a bet, or just send a birthday gift in only a few seconds, the startup says. Not there yet though - for the payout of the prize
- [P2P Lending Site CommunityLend Adds Car Loan Cooperation](https://www.p2p-banking.com/countries/canada-p2p-lending-site-communitylend-adds-car-loan-cooperation/) - Communitylend has partnered with Canada's largest used car site AutoTrader.ca, now offering a car financing option through Communitylend for every listed car. The option is limited to private listings in Ontario for cars with a sales price of up to 25,000 CAN$. This is a good partnership for Communitylend as it will profit from increased
- [How P2P Lending Services Collect User Feedback](https://www.p2p-banking.com/services/prosper-how-p2p-lending-service-collect-user-feedback/) - P2P lending services are young and developing in an innovative environment with little established best practise examples. Every company is constantly trying to learn how to improve the experience for its users. Whether it be user interface, information pages, business model and fees - there is lots of room for incremental improvements. P2p lending services
- [Trustbuddy Acquires Loanland Operations](https://www.p2p-banking.com/countries/sweden-trustbuddy-acquires-loanland-operations/) - Trustbuddy AB has acquired the operations of Swedish p2p lending site Loanland effective November 19th. This means that Loanland will not close as reported earlier. Trustbuddy AB is a Swedish company with Norwegian origins. Trustbuddy will continue operations and in mid-term plans to integrate the activities of the service into their own platform. Loanland users
- [Money360 - P2P Real Estate Loans](https://www.p2p-banking.com/countries/us-money360-p2p-real-estate-loans/) - Money360 offers a first in p2p lending: To my knowledge they are the first live p2p lending service applying the concept to financing real estate loans. Loan sizes are much bigger than seen before in p2p lending. Minimum loan amount is 200,000 US$, maximum is 5 million US$. The minimum a lender can invest in
- [Yes Secure to Add Secondary Market](https://www.p2p-banking.com/countries/uk-yes-secure-to-add-secondary-market/) - Yes-secure, a British p2p lending marketplace launched in June 2010, will very soon add a secondary market called Secondary Loan Slice Market. According to information the company provided P2P-Banking.com, the secondary market will have the following features: Advantages for Loan slice buyers: • Loans offered at premium and discount: Lenders are able to buy loan
- [MYC4 Chickens Out - Closes Forum](https://www.p2p-banking.com/servicesmicrofinance/myc4-chickens-out-closes-forum/) - P2P microfinance platform MYC4 has closed its discussion forum. Links to the forum have been removed from main navigation. The official explanation on the blog says: "The forum was originally created to ignite a dialog among the investors. We haven’t seen all that many sparks recently. Most of the posts on the forum in the last year
- [Zopa Rapid Return Secondary Market](https://www.p2p-banking.com/countries/uk-zopa-rapid-return-secondary-market/) - One of the disadvantages for lenders in many p2p lending markets is that money lent cannot be withdrawn early during loan terms. Zopa UK now introduces a secondary market called 'Rapid Returns', which allows lenders to cash out on all or selected market loans early. To do this a lender simply selects all or specific
- [P2P Lending Service Aqush Raises Capital from VC Fund 500 Startups](https://www.p2p-banking.com/countries/japan-p2p-lending-service-aqush-raises-capital-from-vc-fund-500-startups/) - In Japan, Exchange Corporation K.K., which runs the p2p lending marketplace Aqush, raised an undisclosed amount from Silicon Valley venture capital fund 500 Startups. According to today's press release on average lenders on the Aqush p2p lending marketplace have invested 3,750 US$ with a ROI of 7.6% net of bad debt and fees. Via: Asiajin
- [Quakle - Exotic Newcomer in Britain's P2P Lending](https://www.p2p-banking.com/countries/uk-quakle-exotic-newcomer-in-britains-p2p-lending/) - Quakle.co.uk launched in summer as a rare bird in p2p lending. Instead of using credit rating data to gauge the borrowers Quakle set out to base its rating on social connections tied online. Quote from then: "The trustworthiness of the borrowers is assessed by the lenders only. Quakle believes that social bonds strengthen confidence and
- [Kimaventures Invests in Pretdunion](https://www.p2p-banking.com/countries/france-kimaventures-invests-in-pretdunion/) - Kimaventures has announced investing in Pret d'union, a p2p lending company in France, which according to it's website, aims to launch in 2011. Unconfirmed sources state that the funding round raised 500,000 Euro - no information which investors participated apart from Kivaventures is available. CEO Charles Egly is a former banker at BNP Paribas. While the business
- [Prosper Adds 1-Year and 5-Year Loans](https://www.p2p-banking.com/services/prosper-adds-1-year-and-5-year-loans/) - Prosper.com adds 1 and 5 year loan terms. So far only 3 year loans were available on the p2p lending platform.
- [Could Auxmoney Fee Hike Damage Image of P2P Lending?](https://www.p2p-banking.com/countries/germany-could-auxmoney-fee-hike-damage-image-of-p2p-lending/) - Auxmoney.com is the second largest (by loan volume) p2p lending service in Germany. The new loan volume per month is about 700,000 Euro (approx 900,000 US$). A recent estimate puts the monthly revenue of Auxmoney at about 57,000 Euro (approx. 74,000 US$; based on August numbers). The majority of these revenues comes from the sale
- [Smava Subsidized Loan Promotion Ends With Little Success](https://www.p2p-banking.com/services/smava-subsidized-loan-promotion-ends-with-little-success/) - Smava in the time from September, 15th 2010 to October, 15th 2010 offered subsidized loans to new customers (borrowers). The offer was limited to loan amounts up to 2,500 Euro and only available for 36 months loan terms. Eligible borrowers could take out a loan at an APR of 2.99%. Since lenders received "normal" rates
- [RateSetter Brings Rolling Monthly Loans to P2P Lending](https://www.p2p-banking.com/countries/uk-ratesetter-brings-rolling-monthly-loans-to-p2p-lending/) - British P2P lending site Ratesetter.com launched recently. Ratesetter uses market approach dominant in the UK (rather then individual listing). A novel approach is the "Rolling Monthly Loan" Ratesetter introduces: One of the two types of loan RateSetter offers. For a borrower, this is a bit like borrowing with a credit card. At the end of
- [New Lending Club Video](https://www.p2p-banking.com/services/lendingclub-new-lending-club-video/) - A recent WUSA-TV coverage on Lending Club gives a good overview on how p2p lending at Lendingclub.com works. 'Need Money? Ask a Peer' was broadcasted on Sept. 29th. (via LC Blog)
- [Zopa Celebrates £100M in Funded Loans](https://www.p2p-banking.com/countries/uk-zopa-celebrates-100m-in-funded-loans/) - This week Zopa celebrated the milestone of 100 million GBP in p2p loans funded (since it's launch in 2005). Here is how ITV London tonight featured Zopa yesterday:
- [P2P Lending Sites in North America](https://www.p2p-banking.com/countries/us-p2p-lending-sites-in-north-america/) - Below is a map of the p2p lending landscape in the US and Canada. It shows active and discontinued p2p lending services (including p2p microfinance). The fastest growing services are Lending Club, which funded 12 million US$ new loans in August, and Kiva. Prosper's growth is stagnating. Other US based services are Vittana, United Prosperity,
- [Fundingcircle's First Month Figures](https://www.p2p-banking.com/countries/uk-fundingcircle-first-month-figures/) - Fundingcircle.com launched on Friday August, 13th. According to figures the company released, the p2c lending service had a good start. Apparently many lenders took advantage of the cashback offer, and immediately after lending sold loan parts to other lenders on the secondary market. Review the following numbers reported by Funding Circle: 11 small businesses have
- [Loanland Sweden Will Close](https://www.p2p-banking.com/services/loanland-sweden-will-close/) - Loanland, the only p2p lending service in Sweden, will discontinue it's operation. The Board of Loanland has decided to liquidate Loanland. The reason for the decision to liquidate Loanland is that Loanland has not reached the critical mass of members needed to be a success. The company stated that today Loanland approximately has 20,000 members
- [CommunityLend Services British Columbia Now](https://www.p2p-banking.com/countries/canada-communitylend-services-british-columbia-now/) - CommunityLend announced that lenders and borrowers from British Columbia can use the p2p lending service now. It is the third province added after Ontario and Quebec. (Photo Credit: Duncan Rawlinson)
- [Interview with Yes-Secure](https://www.p2p-banking.com/countries/uk-interview-with-yes-secure/) - In early summer 2010 Yes-secure.com launched the second p2p lending service active in the UK. Dr. Chandra Patni, CEO of Yes-secure answers my questions. P2P-Banking.com: Dr. Chandra Patni, please tell us about the background of the Yes-secure management team and what lead to entering the p2p lending market? Dr. Chandra Patni: I came up with
- [Zopa Expects Record Loan Volume Growth in August](https://www.p2p-banking.com/countries/uk-zopa-expects-record-loan-volume-growth-in-august/) - In the UK Zopa expects a record month of new p2p loans funded. CEO Giles Andrews told P2P-Banking.com today: "We are going through some dramatic growth at the moment. July was a record month with 908 loans for 4.5 million GBP, but we should do 1100 for 5.5 million GBP in August."
- [Fixura Starts P2P Lending in Finland](https://www.p2p-banking.com/countries/baltic-fixura-starts-p2p-lending-in-finland/) - A few days ago Finnish p2p lending site Fixura launched. The bilingual (Finnish & Swedish) site already lists over a hundred loan requests. CEO Simon Sandvik told P2P-Banking.com: This social lending company differs from the 'standard' ones as it does not provide lending auctions. Instead, the borrower sets his/her own interest rate, amount (1, 000
- [Funding Circle (Fundingcircle.com) P2C Lending Launch in UK](https://www.p2p-banking.com/countries/uk-funding-circle-fundingcircle-com-p2c-lending-launch/) - Funding Circle has launched it's peer to company lending service in Britain. As reported by P2P-Banking.com in February the startup received 1.1 million US$. Any UK resident can lend either by individually selecting businesses or by using the autobid feature and spreading the investment over several matching businesses. While loans last for 1 to 3
- [P2P Lending Sites in Europe](https://www.p2p-banking.com/countries/germany-p2p-lending-sites-in-europe/) - Visualizations are great to show data that would otherwise just be a long list. I decided to create a map of the p2p lending landscape in Europe. It shows active and discontinued p2p lending services in Europe (including p2p microfinance). Not listed are sites that are in pre-launch stage. All of these marketplaces have been
- [Cashare Plans To Use Digital Signatures in P2P Lending Process](https://www.p2p-banking.com/countries/switzerland-cashare-plans-to-use-digital-signatures-in-p2p-lending-process/) - In Switzerland P2P Lending Service Cashare announced that it plans to be one of the web service pioneering the use of SuisseID a digital signature. Documents signed with this digital signature are as binding as a conventional signature on paper. Opportunities for P2P Lending Several European countries (e.g. Italy, Spain, Germany, Belgium) have enacted laws
- [P2P Start-ups: Finding an Opportunity in the Midst of a Lingering Recession](https://www.p2p-banking.com/servicesmicrofinance/kiva-p2p-startups-finding-opportunity-midst-lingering-recession/) - The global recession or what has come to be known as the ‘great recession’ –in direct reference to the 1930s era Great Depression-has been with us unbelievably for the last 3 and a half years. It doesn’t seem like it does it? Many had predicted that it would turn out to be a ‘W’ or
- [Banks Need to Understand Their Customer's Needs Better - FAST](https://www.p2p-banking.com/uncategorized-banks-need-to-understand-their-customer-needs-better-fast/) - I just finished reading Bank 2.0 by Brett King. If I would work in middle-management of a bank - any bank - then I would be scared now, because the book clearly shows that banks are changing to slow. Or they simply deny that the world around them is evolving faster and faster and still
- [Fairplace - P2P Lending in Brazil](https://www.p2p-banking.com/countries/latinamerica-fairplace-p2p-lending-in-brazil/) - Fairplace.com.br recently launched the first p2p lending service in Brazil. With approx. 190 million inhabitants Brazil could prove an interesting market for peer to peer lending. While financial institutions are the most common source for loans, consumers face lots of paperwork and high interest. Founder Eldes Matiuzzo knows that, for he worked 14 years for
- [Kokos Issues Prepaid Card, Adds SMS Loans](https://www.p2p-banking.com/countries/poland-kokos-issues-prepaid-card-adds-sms-loans/) - Polish P2P lending market Kokos.pl announced today a new product - SMS loans coupled with prepaid MasterCard PayPass card. The product is targeted at borrowers who do not want to set up regular listing, but need quick "liquidity injection". The procedure of applying for SMS loan looks as follows: Borrower receives prepaid card by post,
- [M-Kesho - Microloans in Kenya via Phone](https://www.p2p-banking.com/countries/africa-m-kesho-microloans-in-kenya-via-phone/) - After revolutionizing payments in East Africa with it's M-Pesa service, Safaricom has now introduced M-Kesho. Want a loan? No need to go to a bank. All the 9.8 million M-Pesa users need to show to be eligible for a loan is 6 month history of M-Pesa transactions. Loan amounts go up to equivalents of about
- [The Rise and Rise of the European Micro Lending Internet Platform Market](https://www.p2p-banking.com/servicesmicrofinance/myc4-the-rise-of-european-micro-lending-internet-platform-market/) - Is there enough space for all of us and just how easy is it to set up shop? In a span of just under 3 years, 3 new micro credit platforms have taken shape in the European micro lending P2P context:Â MyC4, Babyloan and the soon to be launched myAzimia.org (Azimia means to borrow and
- [Vittana Credit](https://www.p2p-banking.com/countries/us-vittana-credit/) - Education microfinance service Vittana.org (see earlier coverage about Vittana) now enables lenders to relend directly. Lenders no longer need to go through Paypal for every payment and repayment. CEO Kushal Chakrabarti says: "Today, I have the honor of announcing that, as of last week, Vittana lenders had given over 200,000 US$ in loans to hundreds
- [P2P Lending Topic in German Parliament](https://www.p2p-banking.com/countries/germany-p2p-lending-topic-in-german-parliament/) - In German the "green" party has initiated a parliament inquiry asking the government to ask 25 questions regarding it's position towards p2p lending. While the party in the preamble describes p2p lending as a chance for consumers potentially offering them more choices, the wording of most of the questions exhibits that the green party is
- [Prosper Asks to Be Regulated Like a Bank](https://www.p2p-banking.com/services/prosper-asks-to-be-regulated-like-bank/) - A Bloomberg article reports that Prosper seeks to be regulated like a bank in order to avoid the jurisdiction of the SEC.
- [Prosper riding the state-by-state roller coaster](https://www.p2p-banking.com/uncategorized-prosper-riding-the-state-by-state-roller-coaster/) - Most changes and discussion around Prosper.com in May related to the impact of the changes Prosper did to the State Lending Limits on May 1st. While Prosper lending is nearly nationally available (46 of 50 stats) it is regulated based on state laws. Since the launch of Prosper several parameters differ depending on the state the borrower is living in: Maximum
- [P2P Lending With Cars as Collateral](https://www.p2p-banking.com/countries/germany-p2p-lending-with-cars-as-collateral/) - German p2p lending service Auxmoney.com has introduced a new feature this week. Borrowers can now offer a car as collateral for a p2p loan. The user pays a fee of 9.95 Euro to document this in his loan listing. Pictures of the car, the model and the mileage and the estimated price a car dealer
- [Lending Club Introduces 5 Year Loans](https://www.p2p-banking.com/services/lendingclub-lending-club-introduces-5-year-loans/) - P2P lending service Lending Club did up to now only offer 3 year loans. Today Lending Club adds 5 year loans.
- [Can P2P Lending Cross the Chasm?](https://www.p2p-banking.com/process/marketing-can-p2p-lending-cross-the-chasm/) - This is a guest post by Tuomas Talola, CEO of coming Finnish P2P lending site Lainaaja and blogger at Cloudfunder. Peer-to-peer lending has been growing rapidly since the inception in 2005. Lending amounts are small compared to traditional banks, but potential is immense. What would it take to really break into mainstream and become a
- [Trust, Reputation and Community Aspects of P2P Lending](https://www.p2p-banking.com/services/prosper-trust-reputation-and-community-aspects-of-p2p-lending/) - One of the biggest challenges for a new internet startup to offer an innovative financial service is to gain the trust of its potential customers. Consumers approach new concepts with legitimate caution. The book 'P2P Kredite - Marktplätze für Privatkredite im Internet' examines how p2p lending services can address the uncertainties and what measures can
- [MYC4 Plans to Target New Partners, Mitigate Risk](https://www.p2p-banking.com/servicesmicrofinance/myc4-plans-to-target-new-partners-mitigate-risk/) - In a telephone call MYC4 executive Jes Colding yesterday gave P2P-Banking.com a preview of the future positioning of MYC4. The two main goals are risk mitigation and new provider structure. All new providers will have to take a direct stake in the loans they provide. They will have to guarantee 20% of the outstanding portfolio.
- [Zidisha Selected as Echoing Green Finalist](https://www.p2p-banking.com/countries/us-zidisha-selected-as-echoing-green-finalist/) - Congratulations to Zidisha for reaching the finalist round for the Echoing Green grant, which provides early seed funding for innovative social enterprises. Echoing Green is known for its ability to discover highly successful models of social change at the early start-up phase.
- [CommunityLend Taps Broker Market](https://www.p2p-banking.com/countries/canada-communitylend-taps-broker-market/) - Canadian p2p lending service CommunityLend announces: MorWEB partners with CommunityLend Inc. to provide direct access to unsecured lending options for the Canadian Mortgage Broker market Marlborough Stirling Canada (MSC) is pleased to announce that direct access to CommunityLend, Canada’s only online Peer-to-Peer lending service, will now be available to the broker market using MorWEB. MorWEB
- [Valuation Of Prosper Shares by VCs Dropped in Series D Round](https://www.p2p-banking.com/services/prosper-valuation-of-prosper-shares-by-vcs-dropped-in-series-d-round/) - Fred's blog has an analysis of the financial data of the series D funding round Prosper Marketplace recently completed. The analysis shows that the valuation by the VCs per share issued dropped from 9.69 US$ per share in round C (June 2007) to 0.72 US$ per share in round D.
- [Twitter Post Raises Speculation About Zopa Introducing a Secondary Market](https://www.p2p-banking.com/services/zopa-twitter-post-raises-speculation-about-zopa-introducing-secondary-market/) - This twitter post caused some speculation that Zopa UK is working to add a secondary market to the p2p lending service. I didn't contact Zopa management asking to comment on this for I believe they probably would neither have confirmed nor denied plans on a secondary market. As discussed before the issue with offering a
- [Prosper Raises 14.7 million US$ Series D Funding](https://www.p2p-banking.com/services/prosper-raises-14-million-series-d-funding/) - Prosper Marketplace Inc., has successfully closed a the new funding round, which it announced two weeks ago. Prosper receives 14.7 million US$ from new investors Tomorrow Ventures and CompuCredit Holdings and existing investors Accel Partners, Benchmark Capital, DAG Ventures, Meritech Capital Partners, Omidyar Network, QED Investors and Volition Capital. TomorrowVentures is the investment vehicle for
- [P2P Lending Service Lending Club Raises 24.5 Million US$ Series C Round](https://www.p2p-banking.com/countries/us-p2p-lending-service-lending-club-raises-24-5-million-us-series-c-round/) - P2P Lending service Lendingclub.com successfully raised further capital. The 24.5 million US$ series C round was led by Foundation Capital and joined by existing investors including Morgenthaler Ventures, Norwest Venture Partners and Canaan Partners. Lending Club so far raised 52.7 million US$ in total funding. Lending Club, on which lenders have funded loans to private
- [Annualized Default Rate](https://www.p2p-banking.com/services/lendingclub-annualized-default-rate/) - I just watched the recorded webcast. It's great that Lending Club uses these to communicate to the users. However I found the way some information were presented to the lenders to be controversial. About 11 minutes into the presentation the company advertises the Annualized Default Rate of 2.36%. Looking at the slide at 0:13:29 the
- [P2P Lending Service Moneyauction Wins Savings Bank as Lender](https://www.p2p-banking.com/countries/korea-p2p-lending-service-moneyauction-wins-savings-bank-as-lender/) - In Korea, p2p lending service Moneyauction became so attractive for lenders that it won a Savings Bank as a lender. A company spokesman told P2P-Banking.com that the bank evaluated the repayment rate of borrowers on the p2p lending site and found it to be better compared to the rate of it's own existing customer base
- [The Current State of P2P Lending in Hungary](https://www.p2p-banking.com/countries/hungary-the-current-state-of-p2p-lending-in-hungary/) - In 2008 we covered Noba with it's plans for a p2p lending service in Hungary. Now CafeBabel.co.uk has great overview on the current situation of peer to peer lending in Hungary today. Noba has 3,450 (figure corrected) registered users. Most lenders are giving loans out of social motivations as due to regulation the loans do
- [Smava Enters Marketing Partnership with Cortal Consors Bank](https://www.p2p-banking.com/services/smava-enters-marketing-partnership-with-cortal-consors-bank/) - Smava has entered a marketing cooperation with Cortal Consors bank. Cortal Consors will promote Smava as a new asset class to it's customer. Smava will pay Cortal Consors referral fees for referred lenders and borrowers. Newsworthy is that this is the first marketing deal a bank has entered in with a p2p lending service. The
- [Prosper Raising $13.3 to $15.8M Round ](https://www.p2p-banking.com/services/prosper-prosper-raising-13-to-15m-round/) - Peer to Peer lending service Prosper is raising it's fourth funding round. The company announced it is raising between 13.3 and 15.8 million US$. Prosper expects the deal to be closed by April 15th and says a LOI has been signed with new and existing investors.
- [Happy Anniversary: 3 Years Smava Lending](https://www.p2p-banking.com/services/smava-happy-anniversary-3-years-smava-lending/) - Smava.de launched 3 years ago and successfully established p2p lending in Germany. Since then about 25 million Euro (approx. 34.4 million US$) loans were funded. Smava gained nearly all positive feedback by lenders, borrowers and especially the media. Smava will need to continue growing considerably in order to become profitable. Currently growth is limited by
- [Breaking News: Finansowo and Smava Poland Merge](https://www.p2p-banking.com/services/smava-breaking-news-finansowo-and-smava-poland-merge/) - P2P Lending services Smava und Finansowo.pl decided to join forces in the polish market. The deal took place on March 22nd; no details were announced. The new service will start in May, led by Rafal Agnieszczak, owner of Finansowo.
- [Little Progress in MYC4's Recovery Attempts](https://www.p2p-banking.com/servicesmicrofinance/myc4-little-progress-in-myc4s-recovery-attempts/) - As reported in the past MYC4.com has serious operational problems making it an investment with negative ROI for the vast majority of lenders. MYC4 has taken measures to recover as much of the outstanding loan amounts as possible, but progress is very slow. This is a quick update on the situation Kenya / Provider Ebony: The
- [Could Social Networks be the Next P2P Lending Players?](https://www.p2p-banking.com/uncategorized-could-social-networks-be-the-next-p2p-lending-players/) - Most of the discussion so far was whether p2p lending is or could become disruptive - threatening the bank's core business. So it was fast moving internet startups versus the incumbents which were often viewed as not very innovative. As for social networks, the thoughts centered on how available social networks data could be used
- [People Capital Post Launch Figures](https://www.p2p-banking.com/countries/us-people-capital-post-launch-figures/) - First figures about lending activity on p2p lending service for student loans People Capital (related articles: People Capital) which launched earlier this month say that so far five to six students received loans for a total of 100,000 US$ from 5 lenders with another 45 students awaiting funding. Lenders must have accredited investor status to
- [Renault Laplanche, Lending Club CEO Interview](https://www.p2p-banking.com/services/lendingclub-renault-laplanche-lending-club-ceo-interview/) - Recent interview video with Lending Club CEO on FoxBusiness:
- [Lending Club Default Rates Higher than Initially Expected? ](https://www.p2p-banking.com/services/lendingclub-lending-club-default-rates-higher-then-initially-expected/) - Back in January I received an email from a Lendingclub employee in reaction to this article, where I wrote: "... Several .. p2p lending services show clear signs that default levels will (or have) surpassed the initially published percentages of defaults to be expected based on external data. ... The one exception from the rule
- [Bigcarrots - P2C Lending in the UK](https://www.p2p-banking.com/countries/uk-bigcarrots-p2c-lending-in-the-uk/) - Bigcarrots.com wants to bring business and lenders together. Peculiar name, isn't it? Images from Bugs Bunny cartoons floated on my mind. Positive indeed - but not at all related to finance. Bigcarrots applies the concept of peer to peer lending to funding companies. Lenders can lend in chunks of 25 GBP, and a company can
- [Funding Circle Raises 1.1M to do P2C Lending](https://www.p2p-banking.com/countries/uk-funding-circle-raises-1-1m-to-do-p2c-lending/) - London based Funding Circle has announced that it has raised 1.1 million US$ form undisclosed private investors and will launch it's p2c lending service Fundingcircle.com in Q2 2010. Director and co-founder James Meekings informed P2P-Banking.com: When the platform launches later this year, people will lend small amounts to a range of different, creditworthy businesses to
- [MyMicroCredit - P2P Microfinance to the Needy](https://www.p2p-banking.com/countries/germany-mymicrocredit-p2p-microfinance-to-the-needy/) - Karl Rabeder was a successful entrepreneur and rich. But being a millionaire did not make him happy and he was seeking a purpose in life. So he sold his villa in Austria, his house in France and his 5 sailplanes and moved into a small 1 room apartment in Innsbruck. Now he dedicates his time
- [My Myelen Loan was Repaid Early](https://www.p2p-banking.com/countries/latinamerica-my-myelen-loan-repaid-early/) - Last year I lent via Myelen.com to an entrepreneur in Mexico. In the Myelen p2p microfinance concept the lender signs a contract with the MFI and the MFI takes the default risk of the individual borrowers. The lender carries the market risk that the MFI does not repay the loan. Furthermore at Myelen the MFI
- [Smava Offers Debt Conversion](https://www.p2p-banking.com/services/smava-offers-debt-conversion/) - Recently p2p lending service Smava.de introduced a new offer aimed at borrowers that want to refinance a loan they have at a financial institution. If the loan request at Smava is funded by lenders, Smava will deal with the financial institution directly acting upon a certificate of authority signed by the borrower. The loan amount
- [P2P Lending for Small Businesses Reaches France ](https://www.p2p-banking.com/countries/france-p2p-lending-for-small-businesses/) - Finally! We all long waited for a genuine P2P lending service in France. FriendsClear launched on February the first a platform that enables small businesses to advertise their projects and ask for a loan up to 15,000 Euro. Lenders can then apply for the loan for an amount between 1,000 and 3,000 Euro. If a
- [Polish P2P Lending Site Monetto Goes Under](https://www.p2p-banking.com/countries/poland-polish-p2p-lending-site-monetto-goes-under/) - In e-mail newsletter sent to its users on January 20th the operator of Polish peer-to-peer lending site Monetto.pl informed that the website will be accessible only until the end of February. Lenders are urged to update the loan contracts and to change the number of bank account set up for repayments. Monetto will no longer
- [Interview with Julia Kurnia, Director Zidisha.org](https://www.p2p-banking.com/countries/africa-interview-with-julia-kurnia-director-zidisha-org/) - Last week I published a short overview on the new p2p microfinance service Zidisha.org. Now Julia Kurnia, Director and Founder of Zidisha.org answers my questions. P2P-Banking.com: What is Zidisha about? Julia Kurnia: Zidisha uses internet and mobile phone technology to connect entrepreneurs in the world's most isolated, impoverished areas with the international P2P lending market.Â
- [Zidisha - P2P Microfinance Directly to the Entrepreneur](https://www.p2p-banking.com/countries/africa-zidisha-p2p-microfinance-directly-to-the-entrepreneur/) - Based on her experience in founding SEM Fund, Kiva's oldest filed partner in Senegal, Julia Kurnia believes there is a vast untapped potential for p2p lending in microfinance. To tap it she launched Zidisha.org, a non-profit that makes two changes in the process. First: There are no intermediaries. Lenders lend directly to computer literate entrepreneurs
- [Awe-Inspiring: Lender funded 23,079 Kiva Loans](https://www.p2p-banking.com/servicesmicrofinance/kiva-awe-inspiring-lender-funded-23079-kiva-loans/) - Today, when I funded 2 more Kiva loans, I stumbled across the profile of Laurent D, from Belgium, who has funded 23,079 Kiva loans in the last 3 years. On his profile he states "I love the idea of helping people reach their financial independence". Well said. And I bow to the dedication of making
- [For Debate: Can Data from Social Networks be Used to Reduce Risks in P2P Lending?](https://www.p2p-banking.com/process/defaults-for-debate-can-data-from-social-networks-be-used-to-reduce-risks-in-p2p-lending/) - P2P Lending is mostly anonymous and loans are unsecured. To make the risks of lending to a stranger acceptable for lenders, p2p lending services had to provide models for the lenders to judge the dimension of the risk of not getting paid back. The initial estimation of the risk-level could not come from the platform
- [P2P Lending Trends to Watch in 2010](https://www.p2p-banking.com/uncategorized-p2p-lending-trends-to-watch-in-2010/) - I always enjoy speculating what p2p lending developments might happen in the year to come and then look back in December to see how I did. I don't dare call it forecast, because these are just my personal guesses, though in some cases it's an educated guess based on what I know individual p2p lending
- [CommunityLend Launch - P2P Lending in Ontario](https://www.p2p-banking.com/countries/canada-communitylend-launch-p2p-lending-in-ontario/) - Today CommunityLend launched it's peer-to-peer lending service in Canada. The service currently is available to residents of Ontario. Borrowers can use CommunityLend as an alternative loan source to bank loans or credit cards with the ability to set the desired interest rate themselves (CommunityLend sets minimum rates). Loan amounts range from 1,000 to 25,000 CAN$
- [Financial Services Authority Closes Bankless-Life](https://www.p2p-banking.com/countries/austria-financial-services-authority-closes-bankless-life/) - Austrian p2p lending service Bankless-Life (see earlier coverage on Bankless-Life's launch) was closed by the FMA, the authority supervising banking regulation in Austria. The FMA sent an order to Bankless-Life on Dec. 22nd, demanding it to stop arranging loans, since it lacks the necessary concessions. Today FMA issued a notice to the public, informing potential
- [People Capital and Prosper Announce Referral Partnership](https://www.p2p-banking.com/services/prosper-people-capital-and-prosper-announce-referral-partnership/) - People Capital, a website for college students to obtain student loans via an online lending exchange, and Prosper.com have announced a referral partnership to help borrowers seeking both educational and non-educational loans on their respective Web sites. Borrowers who are unable to obtain educational loans that meet their financing needs on Prosper.com will be offered
- [Gartner: P2P lending will be 5 billion US$ in 2013](https://www.p2p-banking.com/uncategorized-gartner-p2p-lending-will-be-5-billion-us-in-2013/) - Gartner forecasts p2p lending volume to read 5 billion US$ outstanding loan volume in 2013. Consumers who lose their jobs can't get loans to cover periods of unemployment; businesses that encounter trouble due to low demand can't get credit lines to see them through to recovery. Furthermore, banks are more interested in recapitalising than in
- [Auxmoney Adds More Loan Term Choices](https://www.p2p-banking.com/countries/germany-auxmoney-adds-more-loan-term-choices/) - Auxmoney.com has added more loan term choices for it's p2p lending borrowers to choose from on the weekend. Previously available loan terms at Auxmoney were 12, 24 and 36 months. Now any term between 12 and 60 months (in 6 month increments) can be selected. Auxmoney achieved substantial growth rates in the second half of
- [Prosper Website for Mobile Use](https://www.p2p-banking.com/services/prosper-website-for-mobile-use/) - Prosper.com has added a website version for mobile use. One interesting - though unrelated - fact: While on most western marketplaces "conventional" internet access dominates, over 90% of the users of Estonian Isepankur.ee access the site via mobile phone.
- [Aqush.jp launches full p2p lending service](https://www.p2p-banking.com/countries/japan-aqush-jp-launches-full-p2p-lending-service/) - Aqush.jp which in May launched a friends and family only version now launched the "full fledged" version of it's p2p lending service. Exchange Corporation K.K. (www.exchange.co.jp) “ExCo” announced the launch of its social lending service. The Aqush platform empowers both individuals with extra money and credit-worthy borrowers. By connecting these two groups, credit-worthy people can
- [Project Contest to launch the p2p lending service in France](https://www.p2p-banking.com/countries/france-project-contest-to-launch-the-p2p-lending-service/) - Beginning 2010, Friendsclear will launch Friendsclear Pro - the first real P2P lending service in France. For this occasion, Friendsclear organizes a project contest: - everybody can submit a professional project - the public can vote for the best project - the project which gets the most support will win 10k€ The author lives in
- [Which P2P Lending Developments Happened in 2009 as Forecasted?](https://www.p2p-banking.com/servicesmicrofinance/kiva-which-p2p-lending-developments-happened-in-2009-as-forecasted/) - In January I published my predictions for p2p lending trends in 2009. Now let's see how good my crystal ball was. The black text is my original prediction, with the review added in green and yellow. More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for
- [CommunityLend Announces $1 Million Investment by Stone & Co](https://www.p2p-banking.com/countries/canada-communitylend-announces-1-million-investment-stone-co/) - CommunityLend Holdings Inc., the parent company of Canadian p2p lending service CommunityLend Inc., announced a 1 million CAN$ investment through a convertible debenture from from Stone & Co. Limited Flagship Stock Fund Canada (“Stone”). As part of their investment, Mr. Richard Stone, Founder and CEO of Stone, will join CommunityLend’s Board in an observer role.
- [Year-End Review of Peer to Peer Lending in 2009](https://www.p2p-banking.com/services/prosper-year-end-review-of-peer-to-peer-lending-in-2009/) - As the end of 2009 approaches here is a selection of main news and developments covered by P2P-Banking.com: January: Smava expands into Poland (interview); Pertuity Direct launched; German Smava raises fees; total global p2p lending loan volume is about 740 million US$ February: Sobralaen launches in Estonia (later renamed Isepankur) March: Lending Club receives 12M
- [US P2P Lending Regulation Might Ease](https://www.p2p-banking.com/countries/us-us-p2p-lending-regulation-might-ease/) - The House of Representatives yesterday passed a bill that will move regulation of p2p lending services from the SEC to the newly created Consumer Financial Protection Agency (CFPA) in Spring 2010, provided the Senate and President Obama approve the new legislation. Oversight by the SEC meant that Prosper, Lending Club and other p2p lending companies
- [MYC4 Reduces Staff Due to Lack of Capital](https://www.p2p-banking.com/servicesmicrofinance/myc4-reduces-staff-lack-of-capital/) - MYC4 has redefined it's strategy and budget plans after it was unable to attract new funding from business angels as originally planned. Mads Kjaer, CEO and main shareholder has announced that he will invest 1.4 million Euro (approx. 2.1M US$) into the company in 2010. To reduces costs MYC4's management has decided to conduct a
- [Prosper Hires Nick Talwar as Chief Revenue Officer](https://www.p2p-banking.com/services/prosper-hires-nick-talwar-chief-revenue-officer/) - P2P Lending Company Prosper Marketplace (Prosper.com) has hired Nick Talwar, former head of Citibank Sweden. Talwar's task as Chief Revenue Officer will be to bring Prosper back on a growth track. As reported earlier Prosper is currently experiencing high losses and struggling to reconnect with earlier growth rates.
- [Kiva Video Contest](https://www.p2p-banking.com/servicesmicrofinance/kiva-video-contest/) - Kiva has announced a crowdsourcing contest to produce a 30 sec. to 2 min. video that is not only inspiring and explains how the Kiva process works but also raises awareness and attracts new lenders to Kiva. The contest is sponsored by Tongal, a startup that crowdsources the creation of content. The best videos win
- [Smava Poland: Cooperation with Financial Consultants as Offline Sales Channel a Success](https://www.p2p-banking.com/services/smava-poland-cooperation-with-financial-consultants-as-offline-sales-channel-success/) - In October Smava Poland (Smava.pl) entered a cooperation with Euro Finanse, an independent vendor of financial products and services. Smava says the cooperation already yields very positive results. The first three weeks of cooperation brought a 50% growth in loan volume. Euro Finanse was selected as partner due to it's sales strength and presence not
- [P2P Lending Company Prosper.com has High Q3 Loss](https://www.p2p-banking.com/services/prosper-p2p-lending-company-has-high-q3-loss/) - Prosper Marketplace, Inc. the company running the p2p lending site Prosper.com had a net loss of 2,238,138 US$ in the third quarter of 2009. Furthermore Prosper's cash reserve is low. As of September 30th, 2009 Prosper had 2,079,624 US$ cash and cash equivalents left from an initial VC funding of 40 million US$. Even accounting
- [Does Virgin Money Exit P2P Lending in the US? ](https://www.p2p-banking.com/countries/us-does-virgin-money-exit-p2p-lending/) - Virgin Money has been a facilitator of friends and family p2p loans in the US. The last official number on loan volume generated was 390 million US$. Virgin Money had aquired predecessor Circlelending in 2007. In the article Virgin Money Letting US Business Fade Away, P2PLending News.com now lists several signs that Virgin Money might
- [Banker Invests 1 Million US$ VC Money into Prosper](https://www.p2p-banking.com/services/prosper-banker-invests-1-million-us-vc-money-into-prosper/) - Nigel Morris, co-founder of Capital One, has invested 1 million US$ into Prosper.com via his venture capital company QED Investors. The investment comes in form of a convertible promissory note for the amount of 1 million US$, which is due in one year and carries an interest rate of 15%. QED Investors may elect to
- [Peer-to-Peer Lending Headline Potpourri](https://www.p2p-banking.com/services/smava-peer-to-peer-lending-headline-potpourri/) - Deutsche Bank Research released a new e-banking snapshot focusing on p2p lending. Notable trend is a shift to automated bidding (vs. manual selection of single loans). Interesting results are the findings that loans with longer loan descriptions have a higher default risk (at Lending Club) and that lower cost are not the only motivation for
- [Should P2P Lending Services Actively Offer Refinancing?](https://www.p2p-banking.com/process-should-p2p-lending-services-actively-offer-refinancing/) - A p2p lending loan is one year into the 3 years loan term, the payments are current and the credit score of this borrower has improved a bit. Of the original amount of 10,000 US$ the remaining balance is 7,241 US$. Average interest rates on the p2p marketplace have dropped considerably since origination of that
- [Prosper's Legal Collection Test Result Fail Expectations](https://www.p2p-banking.com/services/prosper-prosper-legal-collection-test-result-fail-expectations/) - Prosper has published a review of the results of a legal collection test. In November 2007, Prosper had selected 74 loans with an outstanding principal balance of approx. 704,000 US$ to conduct a test for a legal collection strategy instead of including them in a debt sale (which at that time was the usual Prosper
- [Moneyauction - Booming P2P Lending Service in Korea](https://www.p2p-banking.com/countries/korea-moneyauction-booming-p2p-lending-service-in-korea/) - Moneyauction, a Korean p2p lending company, says it is "the No. 2 [website] in Korea's non-bank area, but the number 1 website in the finance area". And it has impressive figures to prove it. Between June 01th, 2007 and Sep. 15th the loan amount applied was 56.6 million US$. Moneyauction partnered with telecommunication carrier Korea
- [Great New P2P Lending TV Video](https://www.p2p-banking.com/video-great-new-p2p-lending-video-for-tv/) - The following video was produced by Elektrischer Reporter for German TV ZDF. The elaborate production is different from most other TV coverage I have seen, as it does not focus on one platform but rather tries to grasp the concept of p2p lending as a whole. Furthermore it differs by the eye-catching make. But see
- [Zopa Changes Debt Purchases Process](https://www.p2p-banking.com/countries/uk-zopa-changes-debt-purchases-process/) - Zopa has changed it's debt purchase process due to changes in legislation. Quote from a message to users: Changes to legislation mean that, with their current licenses, CRS can no longer purchase a debt in order to pursue it. However, they are still licensed to pursue a borrower on behalf of a third party. What
- [Kiva Loans Surpass 100,000,000 USD](https://www.p2p-banking.com/servicesmicrofinance/kiva-loans-surpass-100000000-usd/) - Congratulations to Kiva. They have tackled another impressive milestone: more then 100 million US$ total loans funded since inception. And the growth curve is pointing straight upwards. 60 million US$ were funded in the last 12 months. Quoting today's numbers from Kiva's statistics page: Total value of all loans made through Kiva: $100,223,910 Number of
- [Week of Solidarity Finance](https://www.p2p-banking.com/countries/france-week-of-solidarity-finance/) - November is, traditionally, in France the Month of Solidarity and social economy, and one week is dedicated to finance. On this occasion, the French micro-credit organization Babyloan, is organizing an event November 7th and 8th in Paris. Come and meet the team ! The author lives in France and reports as a guest blogger on
- [Lending Club has New Graphic Statistics Page](https://www.p2p-banking.com/services/lendingclub-lending-club-has-new-graphic-statistics-page/) - Lending Club has a new graphic displays on it's statistic page. Prominently featured are loan purpose, range of investor returns and total loans funded. Users can click on any graphic to enlage it. I found the 'Loan details' page more interesting then the 'Highlights' page, for it visualizes differences in trends depending on loan purpose.
- [Financial Startups Lobby for Congress to Ease Regulation on P2P Lending](https://www.p2p-banking.com/services/prosper-financial-startups-lobby-for-congress-to-ease-regulation-on-p2p-lending/) - Financial startups have formed the 'Coalition for new Credit Models'. Among the founding enterprises are Prosper and Loanio. Two of the changes the coalition asks Congress and the Administration to make are: Adopt legislation classifying person-to-person lending as a consumer banking service, not a securities offering. Create a Start Up Liaison at Treasury Department or
- [Kiva Conference Call Notes](https://www.p2p-banking.com/servicesmicrofinance/kiva-kiva-conference-call-notes/) - Live from the Kiva Conference Call: Defaults: FSME and Health Africa ceased to exist. Ebony Foundation loans were defaulted because Ebony failed to repay There are payment problems with 2 providers Eastern Europe portfolios are hard hit by economic downturn. 3 partners are problematic Future plans for research project on alternative ways to display loans
- [Vittana Video - How P2P Loans Helped Students in Nicaragua](https://www.p2p-banking.com/countries/us-vittana-video-how-p2p-loans-helped-students-in-nicaragua/) - Vittana (sea earlier coverage 'Education microfinance - Vittana funds students worldwide via p2p lending') has published the following video, where students that got loans through Vittana tell their story. Currently Vittana lists 11 open loan listings.
- [Bankless Life Launches P2P Lending in Austria](https://www.p2p-banking.com/countries/austria-bankless-life-launches-p2p-lending-in-austria/) - Bankless-Life.at was launched as the first p2p lending service in Austria by the non-profit association "Von Menschen für Menschen" (engl. by humans for humans). The members-only site (membership fee is 60 Euro per year) allows borrowers with a given minimum credit score and a minimum income requirement of 1,000 EUR per month to apply for
- [Uppspretta - First P2P Lending Service in Iceland](https://www.p2p-banking.com/services-uppspretta-first-p2p-lending-service-iceland/) - News from the far north: Uppspretta (engl. resource) launched the first Icelandic p2p lending service earlier this month. Uppspretta's main goal is to allow startup companies to apply for microloans. Uppspretta.is was founded by Björk Theodórsdóttir, Ingi Gauti Ragnarsson and Ragnheiður H. Magnúsdóttir. Uppspretta co-operates with Naskar, a group of Icelandic woman entrepreneurs, using them
- [Studienaktie - P2P Student Loans with a Twist](https://www.p2p-banking.com/countries/switzerland-studienaktie-p2p-student-loans-with-twist/) - Studienaktie.org is a Swiss non profit association offering p2p lending to students. The name translates to student share and is rather fitting, since the concept literally allows the investor to invest in a student and profit from his career development. Unlike with other p2p lending platforms for students, investors do not really give a loan,
- [A P2P Lending Service in a Cooperative Banking World](https://www.p2p-banking.com/countries/france-a-p2p-lending-service-in-a-cooperative-banking-world/) - A genuine P2P lending service, FriendsClear, will be launched in france by the end of the year. The specificity of the french banking environnement si the strong credit union and cooperative banking culture.
- [Swiss Private Banker: P2P Lending a Threat to Bank Balance Sheets](https://www.p2p-banking.com/countries/switzerland-swiss-private-banker-p2p-lending-a-threat-to-bank-balance-sheets/) - In an video interview in June, Konrad Hummler, managing partner at Swiss Bank Wegelin & Co, states how he sees p2p lending as a threat to banks. P2P lending services could replace vital functions of banks. He says government influenced major banks are to inefficient. Established institutions will use calls for regulation to protect their
- [CommunityLend Approaching Launch in Canada?](https://www.p2p-banking.com/countries/canada-communitylend-approaching-launch-in-canada/) - Microlending.ca reports that CommunityLend may be ready to launch soon as it cleared another registration hurdle. A legal document published at the Ontario Securities Commission site gives lots of details on CommunityLend's p2p lending plans. It also reveals that p2p lending in Canada will (at least initially) be restricted to accredited investors (high wealth individuals). See Dan's articleat
- [Tidbits - Kiva Growth](https://www.p2p-banking.com/servicesmicrofinance/kiva-tidbits-kiva-growth/) - Animated GIF showing the introduction of new countries served by Kiva loans over time. (Source)
- [Lending Club Promotion: 2500 Dollar Prize for 25000th Investor](https://www.p2p-banking.com/services/lendingclub-lending-club-promotion-2500-dollar-prize-fo-25000th-investor/) - Lendingclub.com currently runs a promotion. The 25,000th investor to register wins 2,500 US$. To be eligible a registration is enough (no purchase/investment necessary). The winner will be announced after Oct. 31st.
- [Spanish Lubbus Announces Deployment of its P2P Lending Software in More Countries](https://www.p2p-banking.com/countries/spain-spanish-lubbus-announces-deployment-of-its-p2p-lending-software-in-more-countries/) - In yesterday's newsletter Spanish p2p Lending service Lubbus (see earlier coverage) has announced that it succeeded in deploying it's platform to 5 additional countries. Nuestra apuesta por los préstamos sociales persona a persona (P2P) ha ampliado fronteras. lubbus mantiene contactos tanto en España como en otros Países (actualmente cinco) para implementar nuestra Plataforma y nuestra
- [Pertuity Direct Seems To Discontinue Operations](https://www.p2p-banking.com/countries/us-pertuity-direct-seems-to-discontinue-operations/) - P2P lending company Pertuity Direct, which launched in January this year, seems to go out of operation. A special meeting of the board of trustees of the National Retail Fund (the fund though which lenders invest in Pertuity Direct loans) took place "to approve the liquidation and distribution of all shares of the fund". Currently
- [Will P2P Lending be Disruptive?](https://www.p2p-banking.com/uncategorized-will-p2p-lending-be-disruptive/) - In this - rather long - article I'll examine if and why p2p lending has the potential to become disruptive and displace the "conventional" way banks hand out consumer loans. A good read to get some opinions before continuing is reading these posts: Zopa blog: 'Why the banks need Zopa', which led to the post
- [MYC4 Moves Software Development from Uganda to Copenhagen](https://www.p2p-banking.com/servicesmicrofinance/myc4-moves-software-development-from-uganda-to-copenhagen/) - MYC4 has announced that the software development department of MYC4 will move form Kampala, Uganda to Copenhagen, Denmark where the MYC4 headquarter is located. Quote from the announcement by CEO Mads Kjaer: Dear Community, After long and careful consideration, MYC4 has decided to move the software development department from Kampala, Uganda, to the Copenhagen office.
- [Loanio sells License for P2P Lending Software](https://www.p2p-banking.com/countries/us-loanio-sells-license-for-p2p-lending-software/) - As P2PLendingNews reports, the latest amendment of Loanio's SEC S-1 filing reveals that Loanio has licensed their source code for 375,000 US$ to an unnamed company. 100,000 US$ have been payed upon signing. For more details read the full article here.
- [Working Paper of the Federal Reserve Bank San Francisco on P2P Lending](https://www.p2p-banking.com/countries/us-working-paper-of-the-federal-reserve-bank-san-francisco-on-p2p-lending/) - The Federal Reserve Bank of San Francisco has just published a 19 page working paper by Ian J. Galloway on "Peer-to-Peer Lending and Community Development Finance". It examines Kiva, Zopa, Prosper, MicroPlace and Lending Club. Quote from the conclusion of the article: While online platforms may never replace conventional lending institutions, such as banks, it
- [Topics on the Kiva Conference Call](https://www.p2p-banking.com/servicesmicrofinance/kiva-topics-conference-call/) - Today was another conference call by Kiva with its lenders. Kiva informed about the situation of Fundación San Miguel Arcángel (FSMA), a field partner in the Dominican Republic, who is unable to repay lenders and will soon cease operations. On the question, why Kiva does provide fewer translations, Kiva explained that they have a hard
- [P2P Lending Companies Show Strong Growth - Aug. 09](https://www.p2p-banking.com/services-p2p-lending-companies-show-strong-growth-aug-09/) - P2P lending services continue to grow. In some markets the speed of growth has even accelerated. P2P-Banking.com has created the following overview table listing services in operation and ranked them by loan volume funded in the past 6 months. This image may be reprinted on other internet sites, provided it is not altered or resized
- [Hola from Spain](https://www.p2p-banking.com/countries/spain-hola-from-spain/) - Comunitae is currently showing how the P2P lending model works to the Spanish community. In July, the first 10 loans were granted, among them very different loan purposes such as office refurbishment or wedding expenses. There have been also many cancelled loans mainly due to insufficient lenders or discrepancies in information. The total volume lent
- [Benefits of Investing in P2P Lending via Lending Club](https://www.p2p-banking.com/services/lendingclub-benefits-of-investing-in-p2p-lending-via-lending-club/) - Lending Club lenders have invested more than 45 million US$ in loans to fellow borrowers. Not yet a Lending Club investor? You might off by watching this presentation, which was recently webcasted by Lending Club to lenders. The 30 minute presentation lists benefits and explains the basics on how the website works. Since it is
- [First Prosper.com Note up for Trade on Trading Platform](https://www.p2p-banking.com/services/prosper-first-prospercom-note-up-for-trade-on-trading-platform/) - Prosper.com picked up speed again fast after the relaunch. As of today there are already more than 500 loan listings open for bidding. 5 loans already originated, despite the short timespan since re-opening. Today I saw the first note for resale on the note trading platform. It is sold in auction mode where lenders can
- [Guest Authors Wanted at P2P-Banking.com](https://www.p2p-banking.com/countries/spain-guest-authors-wanted-at-p2p-banking-com/) - Are you passionate about p2p lending or p2p microfinance? Would you like to contribute reports, news and experiences related to this topic from your country? Are you willing to research the details and look beyond the marketing messages of the p2p lending companies? Become a guest author at the P2P-Banking blog. Your articles will be
- [Kiva US Loan Impact Analysis ](https://www.p2p-banking.com/servicesmicrofinance/kiva-kiva-us-loan-impact-analysis/) - View more presentations from kivamicrofunds.
- [My First Babyloan Loan Repaid](https://www.p2p-banking.com/servicesmicrofinance/babyloan-my-first-babyloan-loan-repaid/) - Last year in December I lent money to 5 small entrepreneurs via Babyloan. Now the first of my loans was paid back in full. So far 3,630 lenders have funded 934 loans for a total of 270,000 Euro (approx. 382.000 US$).
- [Lender Visualizes Growing Repayment Problems at MYC4](https://www.p2p-banking.com/servicesmicrofinance/myc4-lender-visualizes-growing-repayment-problems-at-myc4/) - At MYC4 it is somewhat awkward for lenders to keep track of their portfolio. Some lenders keep track manually in Excel lists of their loans. MYC4 lender Bente Pedersen created the following image, which by it's coloring visualizes that the number of late payments and non-payments on the loan he funded grew over time. (Image
- [Give Up Your Soul As Collateral For a Loan](https://www.p2p-banking.com/offtopic-give-up-your-soul-as-collateral-for-a-loan/) - Latvian company Kontora offers residents small loans - no questions asked. All that is need is a name and a signature. And one more small thing - you agree that your soul will be the collateral for the loan. (via Baltictimes.com)
- [What changed on Prosper?](https://www.p2p-banking.com/services/prosper-what-changed-on-prosper/) - Following up on my last post here are the largest operational changes at the new Prosper.com: Minimum credit score requirement is now 640 (up from 520) Prosper calculates expected defaults ('loss rate') now by using the two factors: the credit score obtained by an external agency and the internal Prosper score (in the past the
- [Mind-Boogling](https://www.p2p-banking.com/offtopic-mind-boogling/) - Free by Chris Anderson is one of the most thought provoking book, I have read in the last few years. Anderson argues convincingly, why most digital products will end up being priced at zero - free. And he show the reader how this could be turned from the author or musician, that created the content,
- [Licence of Zopa Italy Revoked](https://www.p2p-banking.com/services/zopa-licence-of-zopa-italy-revoked/) - Zopa.it has posted a message on their frontpage that the Bank of Italy has revoked the licence to act as a financial intermediary. As a result Zopa Italy has currently stopped issuing new loans and accepting new lenders. EDIT: Speculation - It may have to do with this order of the Bank of Italy, which
- [Prosper Reopens with SEC Approval - Starts Secondary Market](https://www.p2p-banking.com/services/prosper-reopens-with-sec-approval-starts-secondary-market/) - Prosper.com has reopened - now with the long sought approval of the SEC which was granted last Friday. In his blog statement "We mean it this time!" CEO Chris Larsen sheds light on what was delaying SEC approval. It was auction bidding on loan requests: ... the first Internet auction-based P2P loans marketplace and trading
- [How Bad Customer Service can Backfire](https://www.p2p-banking.com/offtopic-how-bad-customer-service-can-backfire/) - In the age of the internet bad customer service can not only scare away the harmed customer - he can retaliate by appealing to the masses and unleashing a viral protest song. This video was viewed 2.4 million times. I bet United Airlines badly regrets the events by now and wish the could turn back
- [P2P Lending Service People Capital Gets More Funding](https://www.p2p-banking.com/countries/us-p2p-lending-service-people-capital-gets-more-funding/) - People Capital, a p2p lending service for college students to obtain student loans via an online lending exchange, announced that it has closed a 500,000 US$ round of Series B funding. The Serious Change fund, helmed by investor Josh Mailman, led the round of financing. People Capital will use the funding to accelerate technological development
- [Zopa Partnerships Bring in New P2P Lending Borrowers](https://www.p2p-banking.com/countries/uk-zopa-partnerships-bring-in-new-p2p-lending-borrowers/) - British p2p lending company Zopa has recently entered two partnerships. Zopa Prime Zopa partners with the Charity PRIME to offer loans to entrepreneurs over 50 starting or running a business. The loan is not a loan to the business but a personal loan of up to 15,000 GBP (approx 24,125 US$). PRIME is the Prince's
- [Interest Free Loan](https://www.p2p-banking.com/countries/uk-interest-free-loan/) - The borrower who receives the 10,000th loan from Zopa UK will be lucky - it will be an interest free loan. Furthermore Zopa has a referral promotion in July. Zopa pays 100 GBP (approx. 165 US$) to members that refer a borrower who successfully gets a loan in July.
- [Smava Funds More Than 1M Euro Loans in June](https://www.p2p-banking.com/services/smava-funds-1m-euro-loans-in-june/) - P2p lending site Smava.de for the first time reached more than 1 million Euro (approx. 1.4 million US$) loan volume funded in one month. One factor contributing to this is that Smava is in the top 10 rankings for German Google search results for the keywords kredit (engl. loan) and kredite (engl. loans) since the
- [Structured Investment Vehicle](https://www.p2p-banking.com/video-structured-investment-vehicle/) - and other financial constructs you so far had a wrong perception of: (via Finance 2.0)
- [MYC4 to Change Structure of Borrower's Fees ](https://www.p2p-banking.com/servicesmicrofinance/myc4-myc4-to-change-structure-borrower-fees/) - MYC4 will change its fee structure for borrowers for new loans starting in July. One main point of criticism had been that MYC4 by charging origination fees profited from any loan, regardless whether it was paid back or defaulted. MYC4 has reacted. In future there will be no origination fees and only fees on the
- [RangDe - social lending in India](https://www.p2p-banking.com/countries/india-rangde-social-lending-india/) - Indian non-profit RangDe.org attempts to bridge the gap between the developed and the developing India. To fight poverty it wants to make microcredit available to everyone at affordable rates. Individual lenders (investors) can lend as little as 1,000 Indian Rupees (approx. 21 US$). Lenders can select a borrower by browsing profiles. RangDe's field partners receive
- [Peer to Peer Lending Jobs](https://www.p2p-banking.com/countries/us-peer-to-peer-lending-jobs/) - Today I have added the new 'Peer to Peer Lending Jobs' section and started it with listing the current 4 positions startup Loanio wants to fill in Nanuet, NY. As P2P Lending is a very new and emerging field there are very few experts who have gathered previous practical experience in this field and these
- [Exciting Week for German P2P Lending Services](https://www.p2p-banking.com/services/smava-exciting-week-for-german-p2p-lending-service/) - Positive TV coverage (see video here) on nationwide German TV on Monday during primetime caused traffic spikes at the German p2p lending services Smava and Auxmoney. The websites were partially down during Monday and Tuesday or so slow they were practicably not useable. Auxmoney reacted by temporary deactivating non-vital functions like sorting. Meanwhile stability of
- [Kiva Enacts Currency Risk Changes](https://www.p2p-banking.com/servicesmicrofinance/kiva-enacts-currency-risk-changes/) - Kiva has now enacted changes in how currency risks are accounted for. The model was first proposed in March. Now MFIs can choose "currency risk protection" for their new loans. If this option is selected lenders will have to cover any losses that arise from a devaluation of the local currency exceeding 20% (for the
- [Zopa Loan Volume Rising Faster - Average Rates Lower](https://www.p2p-banking.com/countries/uk-zopa-loan-volume-rising-faster-average-rates-lower/) - The growth of the disbursed loan volume has risen sharply at Zopa UK this year, while the average interest rate is 1-2 points lower than last year. (Chart by sl75, source)
- [Loanio Files S-1 SEC registration](https://www.p2p-banking.com/countries/us-loanio-files-s-1-sec-registration/) - Loanio has filed a S-1 registration with the SEC. P2P lending service Loanio had been briefly active in October and November last year before voluntarily closing to new users in order to seek SEC registration approval. In the new SEC filing Loanio wants approval for offering 50 million US$ in notes based on peer to
- [P2P lending companies by loan volume](https://www.p2p-banking.com/services-p2p-lending-companies-by-loan-volume/) - P2P lending is spreading internationally. While the biggest loan volumes are generated in the US market, many p2p lending websites have been established in other international markets. The services can be divided in three categories: p2p lending marketplaces (e.g. Prosper, Zopa, Lending Club, Smava) - participants driven mainly by economic motives social lending services enabling
- [The State of Montana versus Prosper.com](https://www.p2p-banking.com/services/prosper-state-of-montana-versus-prosper-com/) - The State of Montana signed an agreement with Prosper Marketplace Inc. to resolve matters relating to unregistered securities and securities fraud. FOR IMMEDIATE RELEASE May 19, 2009 Lindeen: Unregistered Securities Will Not be Tolerated in Montana State Auditor Reaches Agreement with Prosper Marketplace Inc. Over Sales of Unregistered Securities (Helena) State Auditor and Commissioner of
- [Unithrive - P2P loans for Harvard students](https://www.p2p-banking.com/countries/us-unithrive-p2p-loans-for-harvard-students/) - Unithrive is a non-profits that allows alumni to help students by granting interest-free loans. Currently only alumni and students of Harvard can sign up, but Unithrive plans to expand to other schools in fall 2009. Students can borrow between 500 and 2,000 US$ per semester. Repayment begins after they graduate. The founders Joshua Kushner, Nimay
- [For Debate: A Flaw in Current P2P Lending Models?](https://www.p2p-banking.com/uncategorized-for-debate-flaw-in-current-p2p-lending-models/) - P2P lending holds great promise: more transparency, purposeful direction of investments and economic advantages for borrowers and lenders. Some even talk of democratization of financial processes. But are advantages and risks evenly balanced between borrowers and lenders? For the borrower p2p lending fulfills most promises and the only risk is that the desired loan goes
- [Boober Failure Hurts Lenders](https://www.p2p-banking.com/services/boober-failure-hurts-lenders/) - As reported earlier Dutch site Boober.nl failed. Richard van den Toorn, speaking for the association of lenders PIVN, estimates that about 1,200 lenders are affected. While part of the total loan volume of 1.65 million Euro had been repayed over the loan term before the failure, overall borrower's willingness to pay dwindled after the failure.
- [Australia: Lending Hub P2P Lending Service Launches](https://www.p2p-banking.com/countries/australia-lending-hub-p2p-lending-service-launch/) - Today Lending Hub announced the launch of the p2p lending service aimed at loans between family and friends. Lending Hub is a private Australian company based in Sydney (Read earlier coverage by P2P-Banking.com on Lending Hub, including a guest article by Director Ivan Martelli). Lending Hub loans are 3 year unsecured loans. Currently most loans
- [Aqush Adds Business Loans](https://www.p2p-banking.com/countries/japan-aqush-adds-business-loans/) - Aqush.jp adds support for business loans to it's p2p lending platform for friends and family. The new AQUSH TOMO Business Loans service provides users with a simple and secure means of creating documentation to formalize small business loans between family, friends and other business associates. This new service offers small business owners and entrepreneurs a
- [Matt Flannery's recapitulation "Kiva at Four"](https://www.p2p-banking.com/servicesmicrofinance/kiva-matt-flanery-recapitulation-kiva-at-four/) - Matt Flannery has written a great article recapitulating the story of Kiva. "Kiva at four" centers on the developments in the past two years. Flannery shares his vision what Kiva might develop to. I won't even try to extract the highlights as the whole article is a fascinating read.
- [Pertuity Direct - where is the p2p lending part?](https://www.p2p-banking.com/countries/us-pertuity-direct-where-is-the-p2p-lending-part/) - Initially while browsing the PertuityDirect.com and the related NationalRetailFund.com site I was a bit puzzled where the peer to peer lending aspect is to be found? I learned: Lenders buy shares Borrowers credit information details are never shared. Only Pertuity Direct knows them There is no auction Interest rates are set by Pertuity Direct Then
- [Kiva to Launch Loans to US Borrowers](https://www.p2p-banking.com/servicesmicrofinance/kiva-to-launch-loans-to-us-borrowers/) - Tomorrow Kiva will announce that it will start to fund loans to borrowers in the United States. Kiva, which so far lets anyone support loans to small entrepreneurs in developing countries, is reacting to lender suggestions who wanted to use Kiva to help borrowers in need in the US. In the US Kiva will partner
- [My First Unitedprosperity Loan Guarantee](https://www.p2p-banking.com/countries/us-my-first-unitedprosperity-loan-guarantee/) - I just guaranteed $25 of a loan to Sakho Devi and group, Ritudih, India via Unitedprosperity.org. United Prosperity has launched on May 28th. See my earlier United Prosperity review including an interview with CEO Bhalchander Vishwanath for more information on the concept. Signing up and selecting the loan went smoothly. For the requested loan of 1,052 US$
- [Auxmoney Adds Audio to Borrower Profile](https://www.p2p-banking.com/countries/germany-auxmoney-adds-audio-to-borrower-profile/) - German p2p lending service Auxmoney.com has added the option for borrowers to enhance a listing by adding an audio file. The borrower records the audio message by dialing a phone number and identifying himself by a pin supplied by Auxmoney. Hearing the borrower describing his request creates a much more personal impression to me than
- [Caja Navarra Introduces P2P Lending Service CAN](https://www.p2p-banking.com/countries/spain-caja-navarra-introduces-p2p-lending-service-can/) - Spanish regional bank Caja Navarra is the first bank to offer it's own customers a p2p lending service. Caja Navarra announced the p2p lending microsite. Caja Navarra markets this new peer to peer lending service as one investment option in a letter to its 400,000 customers. The service allows any customer to place a loan
- [My First Myelen Microfinance Loan](https://www.p2p-banking.com/countries/latinamerica-my-first-myelen-microfinance-loan/) - Myelen.com is a service allowing lenders to loan money to small entrepreneurs in developing countries. The portal is run by the Microfinance, a.s. company in Prague (Czech Republic). Like at Kiva and MYC4 lenders can read profiles of borrowers. Currently Myelen has partnered with 4 MFIs in Mexico. In the Myelen concept the lender signs
- [Peer to Peer Revolving Credit](https://www.p2p-banking.com/countries/us-peer-to-peer-revolving-credit/) - It always seemed to me that traditional banks tend to make most of their money on the backs of people that pay penalties for small errors rather than just charging for capital as their business model might otherwise suggest. Credit card companies seem to be doing the same thing, jacking rates to the maximum allowable
- [Giles Andrews on Building Zopa](https://www.p2p-banking.com/countries/uk-giles-andrews-on-building-zopa/) - Giles Andrews on building Zopa, it's brand and differentiating from banks.
- [Mastercard's P2P Platform Plans for Mobile Payments](https://www.p2p-banking.com/countries/us-mastercard-p2p-platform-plans-for-mobile-payments/) - Mastercard has announced that they will offer a payment platform for mobile person-to-person payments in the US. The service, called Moneysend, is set to go live this month. When money is transferred from one user to another it is debited from the sender's Mastercard account and credited to the receiver's Mastercard. (Photo credit: StewieD)
- [Education Microfinance - Vittana funds students worldwide via p2p lending](https://www.p2p-banking.com/countries/us-education-microfinance-vittana-funds-students-worldwide-via-p2p-lending/) - US based non-profit Vittana.org wants to use the power of p2p lending to bring student loans to the developing world. It works like Kiva. For as little as 25 US$ a lender can hellp to fund a loan. Vittana partners with local MFIs who evaluate students for past academic achievement, commitment to success, and ability
- [News from Comunitae](https://www.p2p-banking.com/countries/spain-news-from-comunitae/) - Spanish p2p lending service Comunitae.com has now been one months in beta phase. So far 900 borrrowers have submitted loan applications and 260 lenders have communicated their intention to provide funding for the total of 110,000 EUR (approx. 80,000 US$). One factor named for the success of the beta phase is the high media attention.
- [Problems at Polish p2p lending service Monetto?](https://www.p2p-banking.com/countries/poland-problems-at-polish-p2p-lending-service-monetto/) - A polish media article speculated on the collapse of Polish p2p lender Monetto.pl stating that the company did not answer emails and phone calls. Later the article was updated with an interview with the Lukacz Banach, head of development of Monetto who said that the problems are temporary. Update May 20th: New article on the
- [Kickstarter - Pledge Money to Fund an Artist](https://www.p2p-banking.com/countries/us-kickstarter-pledge-money-to-fund-an-artist/) - Kickstarter.com is a new crowdfunding platform where anybody can pledge money to support projects of artists, designers, filmmakers, inventors etc. The artist describes his project and offers rewards based on the amount that is to be pledged. E.g. one example is the 'Kicey to Iceland' project. Photographer Laura Kicey wants to make a 5 day
- [IOU Central Files SEC Registration in Order to Open in the US](https://www.p2p-banking.com/countries/us-iou-central-files-sec-registration-order-to-open/) - IOU Central, headquartered in Kennesaw, Georgia, Wednesday submitted an SEC S-1 Registration filing in order to launch in the US. IOU Central did launch a p2p lending service in Canada in Feb. 2008 for a brief period of time before it was closed due to regulation constraints. Barry Coleman, VP Marketing at IOU Central, told
- [Breaking News: Prosper Closes Again](https://www.p2p-banking.com/services/prosper-breaking-news-prosper-closes-again/) - Less than 2 weeks after reopening the p2p lending platform Prosper.com has closed down again, not accepting new lenders and borrowers. The website currently displays the following message: Prosper is Currently in a Quiet Period We have been overwhelmed by the outcry from potential investors around the country who want to participate in peer-to-peer lending.
- [Zopa Member Video Competion - Explain P2P Lending](https://www.p2p-banking.com/countries/uk-zopa-member-video-competion-explain-p2p-lending/) - Zopa has run a member competition, asking members to explain how Zopa works for a borrower or a lender. I watched several of the created videos. My favourite is the video below by Glenmation.
- [Selected Kiva API apps](https://www.p2p-banking.com/servicesmicrofinance/kiva-selected-kiva-api-apps/) - The Kiva API allows anyone to develop applications that use the data from Kiva loans. Below are screenshots from two Kiva loan apps. Kiva loans by country of borrower - source Kivadata.org Kiva Ads allows the creation of widgets that can be integrated in any website automatically showing current loan requests by predefined parameters (it
- [New Academic Study Quantifies the Benefits of Group Membership for Prosper Borrowers](https://www.p2p-banking.com/services/prosper-new-academic-study-quantifies-the-benefits-of-group-membership-for-prosper-borrowers/) - In the recently published study "Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending", Sven Berger and Fabian Gleisner examined more then 14,000 Prosper loans (originated from Nov. 2005 to Sep. 2007) to evaluate the benefits borrowers derived from joining a Prosper group versus listings with no group affiliation. They tested
- [Prosper Reopens for California Lenders, Nationwide Borrowers](https://www.p2p-banking.com/services/prosper-reopens-for-california-lenders-nationwide-borrowers/) - Prosper.com has restarted offering p2p lending to customers after an SEC imposed 6 months stop (quiet period). Prosper chief executive Chris Larsen said the California Department of Corporations has authorized the company to resume raising money in California and then lending it out under a system that lets borrowers and lenders use bids to set
- [Prosper to Resume Full Service Soon?](https://www.p2p-banking.com/services/prosper-to-resume-full-service-soon/) - The site Prosper.com shows only a maintenance note today saying "... We expect the site to be down both Saturday (4/25/2009) and Sunday (4/26/2009).". Speculation: Maybe Prosper will end its quiet period and resume its full p2p lending service on Monday?
- [Kiva Loan Matching Plans](https://www.p2p-banking.com/servicesmicrofinance/kiva-loan-matching-plans/) - I am blogging this live while listening to the Kiva conference call. Kiva plans a loan matching program, where lenders and institutions can opt to automatically match loans made by other lenders. Some statements/explanations from the conference call: Today 6 or 7 people out of 100 that visit the Kiva website actually make a loan
- [Prosper Plans Open Market Loans](https://www.p2p-banking.com/services/prosper-prosper-plans-open-market-loans/) - Prosper.com, which is still in quiet period and not allowing new loans, made a new SEC filing yesterday. In this third amendment to the S-1 filing makes several amendments, most notably introducing securitization for initial offerings of loans. Prosper plans "Open market loans", which apparently are loans issued by traditional lenders which being securitized and
- [Lending Club Makes Download of Loan Data Available Again](https://www.p2p-banking.com/services/lendingclub-makes-download-of-loan-data-available-again/) - Lending Club reintroduces the possibility for everyone to download the data of the loans as .csv or .xml file. This feature was temporarily removed in March due to privacy concerns. Lending Club says a few data points that compromised borrowers identity have been removed.
- [Aqush Launches Family and Friends P2P Lending in Japan](https://www.p2p-banking.com/countries/japan-aqush-launches-family-and-friends-p2p-lending/) - Aqush.jp has launched Aqush Tomo, a p2p lending service to facilitate loans between friends and family members. Aqush is a service of Exchange Corporation K.K., which states it's mission as "... to leverage innovation and international best practices to pioneer 'Social' financial services in Asia. Our goal is to bring transparency and choice to markets
- [MYC4 will cover for MISCOCI loans](https://www.p2p-banking.com/servicesmicrofinance/myc4-myc4-will-cover-for-miscoci-loans/) - Acting on problems that came about when an insurance scheme, that was supposed to cover over 200 loans in Ivory Coast, failed (see previous coverage), MYC4.com announced it will reimburse all lenders on these loans, if the loans default. Mads Kjaer, CEO of MYC4, announced: We have in previous update informed that we will intervene
- [Sobralaen renamed Isepankur](https://www.p2p-banking.com/countries/baltic-sobralaen-renamed-isepankur/) - Only 6 weeks after the launch, Estonian p2p lending service Sobralaen.ee was renamed into IsePankur.ee (translates to iBanker). The reasons were that "The previous name only represented one side of the business (borrowing) and [that] it had negative associations with payday loan companies who have destroyed the term ‘loan’ in Estonia over the past 2-3
- [P2P Lending Service Ppdai growing in China](https://www.p2p-banking.com/countries/china-p2p-lending-service-ppdai-growing-in-china/) - The Chinese p2p lending service Ppdai.com announced that over 2.5 million RMB (approx. 365,000 US$) in loans were facilitated since it's launch. "We witnessed strong growth in 2008 and incredible growth in the first quarter of 2009. In less than one year we have achieved over 2 million RMB in loans with roughly half a
- [List of P2P Lending Forums](https://www.p2p-banking.com/services/prosper-list-of-p2p-lending-forums/) - Peer to peer lending is innovative and new. New users usually have lots of questions when grasping the marketplace mechanisms. Beyond the FAQ of the p2p lending service, a great place to learn is usually a forum, where users (mostly lenders) exchange experiences and post and answer questions. There are "official" forums provided by the
- [Dutch P2P Lending Site Boober Fails](https://www.p2p-banking.com/services/boober-dutch-p2p-lending-site-boober-fails/) - In the Netherlands p2p lending service Boober apparently has ceased operations. The website Boober.nl has been inaccessible for days and no one was available for comment as the phone went unanswered. There are reports by lenders, who complain that loans are not serviced as usual. Even one borrower is seeking help, because he cannot get
- [Lend4Health](https://www.p2p-banking.com/countries/us-lend4health/) - Inspired by Kiva.org, Tori Tuncan set up a non-profit peer to peer lending for alternative treatments of autistic childs. Functioning on a blog and by using Paypal for payments, Lend4Health facilitated more then 30 loans so far. Loan requests are described online, lenders can contributed via ChipIn widgets (Paypal based) and Tori Tuncan posts updates
- [2nd birthday of Smava](https://www.p2p-banking.com/services/smava-2nd-birthday/) - German p2p lending service Smava.de launched two year ago. Since the launch of Smava 1350 loans were funded for a total loan volume of about 7.9 million Euro (approx. 10.7 million US$). Lender's viewpoint So far lenders on Smava did well. There are approx. 2500 lenders active on Smava. Despite the credit crisis, 99% of
- [Lending Club Introduces Self-Directed IRA to Enable Investments in P2P Lending](https://www.p2p-banking.com/services/lendingclub-introduces-self-directed-ira-to-enable-investments-in-p2p-lending/) - P2P lending service Lending Club, today announced the availability of the first Self-Directed Individual Retirement Account to enable investments in peer lending. EntrustCAMA, part of the Entrust Group, serves as the administrator for these accounts. This new Self-Directed IRA investment choice gives individuals the ability to build a portfolio of Lending Club notes and hold
- [A venture capitalist's view on investing in peer to peer lending](https://www.p2p-banking.com/services/smava-venture-capitalist-view-on-investing-peer-to-peer-lending/) - When a VC talks about peer to peer lending he is not talking about achieving a good ROI by lending to borrowers. He is talking about the chances he sees in investing in the p2p lending company. Paul Jozefak, Managing Partner at Neuhaus Partners, did just that as a side note in an interview he
- [Lending Club receives 12 million US$ VC funding](https://www.p2p-banking.com/services/lendingclub-lending-club-receives-12-million-vc-funding/) - Lending Club announced today that they have closed another funding round. Excerpt from the press release: ... closed a $12 million Series B round of funding. Morgenthaler Ventures led the round and is joined by existing investors, Norwest Venture Partners and Canaan Partners. Rebecca Lynn, a Morgenthaler Principal, is joining Lending Club’s board of directors.
- [Kiva proposes that lenders share part of the currency risk](https://www.p2p-banking.com/servicesmicrofinance/kiva-lenders-share-currency-risk/) - In today's conference call, Kiva explained plans to reduce currency risks for the local MFIs by having lenders absorb losses, if currency depreciation is higher then a threshold x% (with x% yet to be defined). Currently currency risk for loans issued in local currency is fully taken by local MFIs of Kiva. In future MFIs
- [P2P lending companies by loan volume - Jan 09](https://www.p2p-banking.com/services-p2p-lending-companies-by-loan-volume-jan-09/) - P2P lending is spreading internationally. While the biggest loan volumes are generated in the US market, many p2p lending websites have been established in other international markets. P2P-Banking.com has created the following overview table listing services that are in operation and ranked them by loan volume. The loan volumes are not directly comparable for they
- [SEC orders Prosper to cease and desist](https://www.p2p-banking.com/services/prosper-sec-orders-prosper-to-cease-and-desist/) - In a SEC filing of yesterday, the SEC has ordered Prosper to cease and desist. On page two it states that The loan notes issued by Prosper pursuant to this platform are securities and Prosper, from approximately January 2006 through October 14, 2008, violated Sections 5(a) and (c) of the Securities Act, which prohibit the
- [MYC4 providers react on high default rates](https://www.p2p-banking.com/servicesmicrofinance/myc4-providers-react-on-high-default-rates/) - Over the last months it became clear that MYC4.com loans default at a much higher percentage then expected. MYC4 management states several growth and quality problems that led to the situation. Better training of the local providers, partner ratings, spot audits and a license system are measures that shall improve the quality in loan selection
- [Higher interest rates at Microplace](https://www.p2p-banking.com/servicesmicrofinance/microplace-higher-interest-rates/) - Microplace.com (an eBay company) initially started with interest rates of up to 3% on offer. Over time the highest offered interest rate has risen. Currently the highest interest rate offer at Microplace is 6%. (via: Transcapitalist)
- [Pertuity Direct starts affiliate program](https://www.p2p-banking.com/countries/us-pertuity-direct-starts-affiliate-program/) - P2P Lending service Pertuity Direct has launched an affiliate program. The new referral marketing campaign of Pertuity Direct pays: 35 US$ for each referred completed and approved borrower application for a loan 50 US$ for each completed investor application performance incentives for websites that generate at least 5 leads per month The campaign runs at
- [Lending Club invested 2.4 million US$ to fund loans](https://www.p2p-banking.com/services/lendingclub-lending-club-invested-24-million-us-to-fund-loans/) - As P2Plendingnews.com has researched Lending Club has invested 2.4 million US$ of its own money to fund loans since the relaunch in last October. The total volume of funded loans is approx. 10 million US$, that means that Lending Club funded about 24% of all loans itself. The data is from weekly sales reports that
- [Lending Club Observations](https://www.p2p-banking.com/services/prosper-lending-club-observations/) - Recently I noticed two changes on p2p lender's Lending Club website. On the statistics page the link to download the loan data was removed. Before it was possible to download the complete loan data since inception of the service. Furthermore the predefined setting for the parameter "Loans issued from" is set on March 1,2008 now.
- [MYC4 with new layout](https://www.p2p-banking.com/servicesmicrofinance/myc4-with-new-layout/) - MYC4 a p2p lending platform for micro-loans to entrepreneurs in Africa, today released a new layout. 10 months after the last change the new layout looks more clearly structured. The changes only impact the appearance, there were nearly no functional changes in this release.
- [TuitionU acquires p2p lending service GreenNote](https://www.p2p-banking.com/countries/us-tuitionu-acquires-p2p-lending-service-greennote/) - TuitionU.com, a wholly owned subsidiary of Cology Inc., today announced the acquisition of GreenNote (see earlier description), a p2p lending service for student loans. The agreement enables TuitionU.com to add peer-to-peer lending technology to its student loan options. TuitionU says not-for-profit credit unions that are currently featured will be joined in the future by foundations,
- [First payments on my Babyloan loans](https://www.p2p-banking.com/servicesmicrofinance/babyloan-first-payments-on-my-babyloan-loans/) - In December I discovered Babyloan (see blog post) - a microfinance platform like Kiva allowing individuals to lend to small entrepreneurs in developing countries. Now the first payments by borrowers took place. Lenders are notified by Babyloan via email. Sample email: The entrepreneur Suman has reimbursed 373,00 € to the MFI and has 2987,00 €
- [Virgin Money joins Uncrunch campaign](https://www.p2p-banking.com/countries/us-virgin-money-joins-uncrunch-campaign/) - Virgin Money announced that it will support the Uncrunch campaign. Excerpt from the press release: Virgin Money announced today that they will join the Uncrunch.org campaign to raise awareness about available and alternative sources of credit for consumers and businesses. The campaign provides a platform where credit-worthy consumers can find lending alternatives with the help
- [Kiva adds video to borrower's profile on selected loans](https://www.p2p-banking.com/servicesmicrofinance/kiva-kiva-adds-video-to-borrowers-profile-on-selected-loans/) - Kiva has just added the first video to one of the borrower's profiles. A video conveys much more information about the business of the borrower. And by posting the videos on Youtube, Kiva achives viral marketing effects. I do wonder why they did post such a short video (5 seconds) as example - bandwidth considerations?
- [Sobralaen brings p2p lending to Estonia](https://www.p2p-banking.com/countries/baltic-sobralaen-brings-p2p-lending-to-estonia/) - Today Sobralaen.ee, the first Estonian p2p lending service, has launched. Sõbralaen’s borrowers fill in a loan application for up to 15,000 EEK (approx. 1,200 US$), specify the loan length (up to 2 years), maximum interest rate and sign the loan application. This application will start an auction, during which Sõbralaen’s investors can bid for the
- [Lubbus.com - p2p lending in Spain](https://www.p2p-banking.com/countries/spain-lubbus-com-p2p-lending/) - The Spanish translation of p2p lending is "Préstamos P2P". In 2008 Vicente de Luna (Economist and lawyer, expert on finance and taxation of companies) and Maria J. Bustamente (Lawyer specialized in collection and recovery) founded the company P2P Lending, S. L. The company operates the p2p lending site Lubbus.com. The site is online since January 1st,
- [Photos from BarCampBank London 2](https://www.p2p-banking.com/uncategorized-photos-from-barcampbank-london-2/) - Yesterday I was in London for the second Barcampbank London. Discussed topics included p2p lending, the current situation of finance, banking for communities and mobile banking & payments among others. There were about 20 participants. I enjoyed meeting and discussing with Jean Christophe Capelli, Nicolas Guillaume (both Friendsclear, France), Dave Birch (Digital Money Forum, UK),
- [People Capital secures second financing round](https://www.p2p-banking.com/countries/us-people-capital-secures-second-financing-round/) - People Capital (website people2capital.com) receives second financing round from private equity firm Radcliff Group Inc. People Capital plans to launch a peer to peer student loan platform in 2009. (Source: press release)
- [Lend for Peace](https://www.p2p-banking.com/countries/us-lend-for-peace/) - That's the name of a microlending platform, where lenders can lend to palestinian entrepreneurs in the Palestinean territories. I have not used Lendforpeace.org, but from what I read, it works just like Kiva but targets a specific region. Lendforpeace launched 5 days ago. When I looked today there where 8 loan requests in various degrees
- [Need a loan at 2334 percent APR?](https://www.p2p-banking.com/countries/uk-need-a-loan-at-2334-percent-apr/) - No, that is not a typo in the headline. British Wonga.com offers small, short term loans online (short term= from 5 to 30 days). The main advantage they advertise is, that the loan amount is transferred to the bank account of the borrower within minutes of the application, if approved. For that quick service Wonga
- [Prodigy Finance - p2p lending for MBA students only](https://www.p2p-banking.com/countries/uk-prodigy-finance-p2p-lending-for-mba-students-only/) - Prodigy Finance has an elitist approach. Only MBA students of selected schools are eligible as borrowers: We have built our model with the specific profiles of top international MBAs in mind. Our close partnerships with the schools means that we are able to approve the vast majority of applications and are able to lend to
- [MTN Uganda pledges 250,000 US$ to fund small businesses through MyC4](https://www.p2p-banking.com/servicesmicrofinance/myc4-mtn-uganda-small-businesses-myc4/) - MTN Uganda, a telecommunication company with 3.5 million customers, will invest 250,000 US$ to fund loans to small and medium scale enterprises via MyC4. "This is a great opportunity for us to champion the notion of an African Company helping fellow Africans instead of the common perception that Aid should always come from "Abroad"" said
- [Smava.de raises fees](https://www.p2p-banking.com/services/smava-germany-raises-fees/) - In Germany p2p lending service Smava.de will increase its fees in February. Smava management said the fee increase is necessary to build a sustainable business and points out that now 20 months after the launch the value proposition of Smava has been verified. Median ROI is given as 9.4% with 90 percent of lenders (best
- [Call for EU legislation to encourage microcredit schemes](https://www.p2p-banking.com/uncategorized-call-legislation-encourage-microcredit-schemes/) - There is a new initiative "Call for EU legislation to encourage microcredit schemes". One aim of the initiative is: EU-wide framework on supervision and regulation There also needs to be an EU-wide regulatory framework for non-bank providers of microcredit (banks are already covered by existing rules), defining them as non-deposit takers, with the ability to
- [Which sites do offer p2p lending statistics?](https://www.p2p-banking.com/services/prosper-which-sites-do-offer-p2p-lending-statistics/) - When analysing numbers on p2p lending activity, users can rely on independent third party sites gathering statistics for many p2p lending services. These services either obtain the raw data via an interface provided by the service or they do parse the web pages of the service to collect the data. Most of the statistic sites
- [P2P lending and the financial crisis](https://www.p2p-banking.com/services/lendingclub-p2p-lending-and-the-financial-crisis/) - It has been said before - there might have been no better time to establish p2p lending. With the established system shaken and many consumers not getting loans as easily as before the market environment is good for peer-to-peer lending. P2P lending gets good media attention. The Uncrunch.org initiative (in which Lending Club takes part)
- [Viral Kiva video](https://www.p2p-banking.com/servicesmicrofinance/kiva-video-viral/) - A Fistful Of Dollars: The Story of a Kiva.org Loan from Kieran Ball. The video was made by Kiva fellow (volunteer) Kieran Ball, who worked for Kiva in Cambodia. It explains the transfer of the money for a Kiva loan from a lender in London to a borrower in Cambodia. This is a great example
- [Update from Pertuity Direct](https://www.p2p-banking.com/countries/us-update-from-pertuity-direct/) - That's the title of an email I've just received from PertuityDirect.com, a Virginia based p2p lending service in pre-launch stage. Pertuity Direct announces: ... If you have been keeping tabs on the space, you know that the social lending industry has been pretty interesting over the last two to three months. The guidance that regulators
- [Kiva plans developer program - 3rd party apps](https://www.p2p-banking.com/servicesmicrofinance/kiva-kiva-plans-developer-program-3rd-party-apps/) - Just a short heads up: Kiva plans a developer program allowing 3rd party applications to use data from the Kiva (lender) pages. We've been working hard over the past few months to create a developer program at Kiva. This will be a place online where software engineers can get creative with Kiva and build applications
- [Pertuity Direct launch](https://www.p2p-banking.com/countries/us-pertuity-direct-launch/) - The new p2p lending service PertuityDirect.com is now online. The concept Pertuity Direct uses is new. Lenders pay into the "National Retail Fund" which is a "social lending mutual fund". If I understand the concept correctly, you do not choose individual borrowers you want to lend to, but rather a group of borrowers with similar
- [Tanzania loans](https://www.p2p-banking.com/servicesmicrofinance/myc4-tanzania-loans/) - MyC4 has the first three Tanzania loans online. I bid a small amount on the loan requestof Eliamin Eliakimu Swai who runs a car spare parts repair shop in Dar es Salaam. Local provider in Tanzania is Growth Africa Capital, which also serves Kenya.
- [More on Smava Poland launch](https://www.p2p-banking.com/services/smava-more-on-poland-launch/) - Following up on the interview (see 'Smava expands p2p lending to Poland') I just took a look at Smava.pl, which has now launched. I don't speak Polish but the layout of the site is very similar to the Smava Germany site, so navigation was no problem. As expected interest rate levels in the Polish market
- [Fynanz halts p2p lending](https://www.p2p-banking.com/countries/us-fynanz-halts-p2p-lending/) - Prosper Lending Review examined how Fynanz, a p2p lending site for student loans, quietly halted operations recently. In the article Tom points out that Fynanz attempts to market itself as a whitelabel service to credit unions and other financial institutions. Fynanz CEO Chirag Chaman is cited that the reason for no longer accepting new lenders
- [Exclusive Interview: Smava expands p2p lending to Poland](https://www.p2p-banking.com/services/smava-expansion-p2p-lending-poland-interview/) - Starting Jan. 7th, the German p2p lending service Smava will launch it's p2p lending platform in Poland. I interviewed Smava CEO Alexander Artopé. The following interview was originally conducted in German language. Possible translation errors are mine. P2P-Blanking.com: Mr. Artopé, why has Smava chosen Poland as target market for the international expansion? Smava: For several
- [P2P lending trends to expect in 2009](https://www.p2p-banking.com/services/prosper-p2p-lending-trends-to-expect-in-2009/) - As last year I'll again attempt some predictions on what trends and developments can be expected in peer-to-peer lending 2009. More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services will compete for the attention of lenders and borrowers. In other markets, where there is no national p2p lending
- [Merry Christmas](https://www.p2p-banking.com/uncategorized-merry-christmas/) - (Photo credit: Kris de Curtis)
- [Which of my predictions for p2p lending trends 2008 came true?](https://www.p2p-banking.com/uncategorized-which-of-my-predictions-for-p2p-lending-trends-2008-came-true/) - In January 2008 I made some predictions what might happen in p2p lending this year. Now I'll check on those (the black colored text is the original text, the green and red texts are the review as of today): More competition and entering more national markets (probability 100%) In many markets multiple p2p lending services

## Pages

- [FAQ](https://www.p2p-banking.com/faq/) - About P2P-Banking.com Established in March 2006 P2P-Banking.com tracks the development of p2p lending on the web. P2P lending expert Claus Lehmann started the industry blog P2P-Banking.com in January 2007 (replacing a an earlier version Wiseclerk.com - which gathered industry data) and built a fast growing readership among the p2p lending community worldwide. Counting 20,000 visitors
- [Compare IFISA Rates (August 2026, 18 providers)](https://www.p2p-banking.com/compare-ifisa-offers-p2p-lending-marketplaces-database/) - Compare IFISA products offered by p2p lending marketplaces by criteria (best interest rate, term, flexible, transfer in and out, loan type, security, cashback) ??
- [P2P Lending Services Open to International, Non-Resident Investors](https://www.p2p-banking.com/p2p-lending-services-open-to-international-non-resident-investors/) - Find p2p lending services that are open to international investors. List of marketplaces with information who can register from abroad.
- [P2P Lending Cashback and Bonus Offers](https://www.p2p-banking.com/p2p-lending-cashback-bonus/) - Learn how to qualify for cashback offers before signing up at a p2p lending marketplace
- [Authors](https://www.p2p-banking.com/authors/) - What topics this blog covers, how it was created and some media data can be found here. The P2P-Banking.com blog has the following authors: 'Wiseclerk', Claus Lehmann, Germany In the past many industry insiders have contibuted guest posts, including: Radoslav Albrecht, CEO Bitbond, Germany Kevin Allen, Head of Insight Ratesetter, UK Jean-Christophe Capelli, Founder Friendsclear,
- [Which P2P Lending Companies are Profitable?](https://www.p2p-banking.com/which-p2p-lending-companies-are-profitable/) - Which p2p lending companies made a profit and which did incur a loss in the previous year(s)? Why is this question important? One major risk for investors on p2p lending platforms is that the company running the platform becomes insolvent and is unable to continue to operate the marketplace. With the recent failure of 3
- [10 Tips for New P2P Lending Investors - How to start](https://www.p2p-banking.com/10-tips-for-new-p2p-lending-investors-how-to-start/) - You have heard about p2p lending and like the concept. Here are 10 things to consider, when you start: Advantages of platforms with a track record I prefer platforms that have a track record and have operated at least 1 or two years. While the p2p lending sector is nascent in total, it is useful
- [Signup for our notification services](https://www.p2p-banking.com/newsletter-signup/)
- [Meet + Events](https://www.p2p-banking.com/meet-events/) - P2P Lending conferences & events I will attend / Need a p2p lending consultant?
- [Institutional Investors](https://www.p2p-banking.com/institutional-investors/) - Do you represent an institutional investor looking to provide debt funding to marketplace lending companies? P2P-Banking can make introductions to matching marketplace lending companies directly at management level (CEO or similar). You will directly speak to just the right contact. This service is free of charge for you! Please fill out the form below to
- [Peer to Peer Lending Jobs](https://www.p2p-banking.com/peer-to-peer-lending-jobs/) - Latest Peer to Peer Lending Job Offers: Added January 2019 German speaking Copywriter, Affiliate Marketing Specialist, Investor Service Associate and Community Lead at Mintos, Berlin Added June 2017 Campaigns Press Officer at Seedrs, London CEO/COO at Loan Tube, London Added April 2017 Software Engineer AI at Investly, Tallinn Head of Investor Sales at Bondora, Tallinn
- [Request a referral](https://www.p2p-banking.com/request-a-referral/) - For those p2p lending marketplaces where you cannot get a bonus directly through a special signup link on our cashback and bonus offer page, P2P-Banking can sent you an invite via email. The following information is only used for this purpose. We aim to do so within 24 hours (note: Iuvo does NOT send emails
- [Imprint / Data Privacy](https://www.p2p-banking.com/imprint-data-privacy/) - P2P-Banking.com is published by LinkedIn Profile Data privacy Privacy Policy We are very delighted that you have shown interest in our enterprise. Data protection is of a particularly high priority for the management of the Company. The use of the Internet pages of the Company is possible without any indication of personal data; however,
- [P2P Lending Software](https://www.p2p-banking.com/p2p-lending-software/) - In September 2009 I wrote the article P2P Lending Technology - Make or Buy. Since then the situation has developed. Nowadays I would not recommend to start developing p2p lending software inhouse or hiring a contractor to do so. The major reason for this is not the cost aspect but the time to market. Developing
- [You have unsubscribed](https://www.p2p-banking.com/you-have-unsubscribed/) - You have ansubscibed. Continue to homepage or check out the list of marketplaces open to international investors. Are you rather interested in cashback and bonus offers?
- [Thank you for subscribing!](https://www.p2p-banking.com/thank-you-for-subscribing/) - Thank you. You have completed your subscription now. If you are new to P2P-Banking.com an interesting article to start reading is: P2P Lending Services Open to International Non-Resident Investors

## Marketplaces

- [Triodos Bank](https://www.p2p-banking.com/marketplace/triodos-bank/)
- [CrowdforAngels](https://www.p2p-banking.com/marketplace/crowdforangels/)
- [Crowd2Fund](https://www.p2p-banking.com/marketplace/crowd2fund/)
- [Downing](https://www.p2p-banking.com/marketplace/downing/)
- [Capitalrise](https://www.p2p-banking.com/marketplace/capitalrise/)
- [MoneyandCo](https://www.p2p-banking.com/marketplace/moneyandco/)
- [Proplend](https://www.p2p-banking.com/marketplace/proplend/)
- [Folk2Folk](https://www.p2p-banking.com/marketplace/folk2folk/)
- [Abundance](https://www.p2p-banking.com/marketplace/abundance/)
- [Lendahand](https://www.p2p-banking.com/marketplace/lendahand/)
- [Easymoney](https://www.p2p-banking.com/marketplace/easymoney/)
- [Rebuildingsociety](https://www.p2p-banking.com/marketplace/rebuildingsociety/)
- [Archover](https://www.p2p-banking.com/marketplace/archover/)
- [Crowdstacker](https://www.p2p-banking.com/marketplace/crowdstacker/)
- [Crowdproperty](https://www.p2p-banking.com/marketplace/crowdproperty/)
- [Investandfund](https://www.p2p-banking.com/marketplace/investandfund/)
- [Kuflink](https://www.p2p-banking.com/marketplace/kuflink/)
- [Relendex](https://www.p2p-banking.com/marketplace/relendex/)
- [Landlordinvest](https://www.p2p-banking.com/marketplace/landlordinvest/)
- [HNWLending](https://www.p2p-banking.com/marketplace/hnwlending/)
- [Propertypartner](https://www.p2p-banking.com/marketplace/propertypartner/)
- [Assetz](https://www.p2p-banking.com/marketplace/assetz/)
- [Ablrate](https://www.p2p-banking.com/marketplace/ablrate/)
- [Property Crowd](https://www.p2p-banking.com/marketplace/propertycrowd/)
- [Goji](https://www.p2p-banking.com/marketplace/goji/)
- [LendingWorks](https://www.p2p-banking.com/marketplace/lendingworks/)
- [MongooseCrowd](https://www.p2p-banking.com/marketplace/mongoosecrowd/)
- [Advancr](https://www.p2p-banking.com/marketplace/advancr/)
- [Fluid](https://www.p2p-banking.com/marketplace/fluid/)
- [Safeashouses](https://www.p2p-banking.com/marketplace/safeashouses/)
- [Welendus](https://www.p2p-banking.com/marketplace/welendus/)
- [LendingCrowd](https://www.p2p-banking.com/marketplace/lendingcrowd/)
- [Zopa](https://www.p2p-banking.com/marketplace/zopa/)
- [Fundingcircle](https://www.p2p-banking.com/marketplace/fundingcircle/)
- [Basset & Gold](https://www.p2p-banking.com/marketplace/basset-gold/)
- [Sourced](https://www.p2p-banking.com/marketplace/sourced/)
- [Ratesetter](https://www.p2p-banking.com/marketplace/ratesetter/)
- [Growthstreet](https://www.p2p-banking.com/marketplace/growthstreet/)
- [Moneything](https://www.p2p-banking.com/marketplace/moneything/)
- [Landbay](https://www.p2p-banking.com/marketplace/landbay/)
- [Loanpad](https://www.p2p-banking.com/marketplace/loanpad/)
- [Fundingsecure](https://www.p2p-banking.com/marketplace/fundingsecure/)
- [Orcamoney](https://www.p2p-banking.com/marketplace/orcamoney/)
- [UKBondnetwork](https://www.p2p-banking.com/marketplace/ukbondnetwork/)

## Categories

- [Uncategorized](https://www.p2p-banking.com/category/uncategorized/)
- [Prosper_forum_gems](https://www.p2p-banking.com/category/prosper-forum-gems/)
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- [Smava](https://www.p2p-banking.com/category/services/smava/)
- [Boober](https://www.p2p-banking.com/category/services/boober/)
- [Lendingclub](https://www.p2p-banking.com/category/services/lendingclub/)
- [Fairrates](https://www.p2p-banking.com/category/services/fairrates/)
- [Services (microfinance)](https://www.p2p-banking.com/category/servicesmicrofinance/)
- [Kiva](https://www.p2p-banking.com/category/servicesmicrofinance/kiva/)
- [Microplace](https://www.p2p-banking.com/category/servicesmicrofinance/microplace/)
- [MyC4](https://www.p2p-banking.com/category/servicesmicrofinance/myc4/)
- [Countries](https://www.p2p-banking.com/category/countries/)
- [Germany](https://www.p2p-banking.com/category/countries/germany/)
- [US](https://www.p2p-banking.com/category/countries/us/)
- [Canada](https://www.p2p-banking.com/category/countries/canada/)
- [UK](https://www.p2p-banking.com/category/countries/uk/)
- [Netherlands](https://www.p2p-banking.com/category/countries/netherlands/)
- [Denmark](https://www.p2p-banking.com/category/countries/denmark/)
- [Ireland](https://www.p2p-banking.com/category/countries/ireland/)
- [Ireloans](https://www.p2p-banking.com/category/services/ireloans/)
- [CommunityLend](https://www.p2p-banking.com/category/services/communitylend/)
- [Zopa](https://www.p2p-banking.com/category/services/zopa/)
- [Belgium](https://www.p2p-banking.com/category/countries/belgium/)
- [France](https://www.p2p-banking.com/category/countries/france/)
- [Spain](https://www.p2p-banking.com/category/countries/spain/)
- [3rd party services](https://www.p2p-banking.com/category/3rd-party-services/)
- [Upsells and Cross-sells](https://www.p2p-banking.com/category/process/upsells/) - Not directly related services and transactions offered or used by p2p lending services to increase revenue
- [Marketing](https://www.p2p-banking.com/category/process/marketing/)
- [Defaults, bad debt, debt sale](https://www.p2p-banking.com/category/process/defaults/)
- [Process](https://www.p2p-banking.com/category/process/)
- [Video](https://www.p2p-banking.com/category/video/) - Videos on the p2p lending services
- [Italy](https://www.p2p-banking.com/category/countries/italy/)
- [Korea](https://www.p2p-banking.com/category/countries/korea/)
- [China](https://www.p2p-banking.com/category/countries/china/)
- [Globefunder](https://www.p2p-banking.com/category/services/globefunder/)
- [Japan](https://www.p2p-banking.com/category/countries/japan/)
- [Offtopic](https://www.p2p-banking.com/category/offtopic/)
- [Africa](https://www.p2p-banking.com/category/countries/africa/)
- [P2P Banking Review](https://www.p2p-banking.com/category/p2p-banking-review/)
- [Australia](https://www.p2p-banking.com/category/countries/australia/)
- [New Zealand](https://www.p2p-banking.com/category/countries/newzealand/)
- [Sweden](https://www.p2p-banking.com/category/countries/sweden/)
- [Loanland](https://www.p2p-banking.com/category/services/loanland/)
- [India](https://www.p2p-banking.com/category/countries/india/)
- [IOU Central](https://www.p2p-banking.com/category/services/iou-central/)
- [Poland](https://www.p2p-banking.com/category/countries/poland/)
- [Fynanz](https://www.p2p-banking.com/category/services/fynanz/)
- [Switzerland](https://www.p2p-banking.com/category/countries/switzerland/)
- [Cashare](https://www.p2p-banking.com/category/services/cashare/)
- [Technology](https://www.p2p-banking.com/category/technology/)
- [Greennote](https://www.p2p-banking.com/category/services/greennote/)
- [DhanaX](https://www.p2p-banking.com/category/servicesmicrofinance/dhanax/)
- [Loanio](https://www.p2p-banking.com/category/services/loanio-loans/)
- [Veecus](https://www.p2p-banking.com/category/servicesmicrofinance/veecus/)
- [Maneo](https://www.p2p-banking.com/category/services/maneoloans/)
- [Wokai](https://www.p2p-banking.com/category/servicesmicrofinance/wokai/)
- [Unitedprosperity](https://www.p2p-banking.com/category/servicesmicrofinance/unitedprosperity/)
- [Comunitae](https://www.p2p-banking.com/category/services/comunitae/)
- [Babyloan](https://www.p2p-banking.com/category/servicesmicrofinance/babyloan/)
- [Hungary](https://www.p2p-banking.com/category/countries/hungary/)
- [Pertuity Direct](https://www.p2p-banking.com/category/services/pertuitydirect/)
- [Baltic](https://www.p2p-banking.com/category/countries/baltic/) - Estonia, Latvia, Lithuania
- [Latin America](https://www.p2p-banking.com/category/countries/latinamerica/)
- [Czech Republic](https://www.p2p-banking.com/category/countries/czechrepublic/)
- [Austria](https://www.p2p-banking.com/category/countries/austria/)
- [Asia](https://www.p2p-banking.com/category/countries/asian/)
- [Slovakia](https://www.p2p-banking.com/category/countries/slovakia/)
- [Investor Column](https://www.p2p-banking.com/category/investor/)
- [Finland](https://www.p2p-banking.com/category/countries/finland/)
- [Norway](https://www.p2p-banking.com/category/countries/norway/)
- [Bulgaria](https://www.p2p-banking.com/category/countries/bulgaria/)
- [Portugal](https://www.p2p-banking.com/category/countries/portugal/)

## Tags

- [Prosper groups](https://www.p2p-banking.com/tag/prosper-groups/)
- [about](https://www.p2p-banking.com/tag/about/)
- [help](https://www.p2p-banking.com/tag/help/)
- [faq](https://www.p2p-banking.com/tag/faq/)
- [NC Prosper Loan](https://www.p2p-banking.com/tag/nc-prosper-loan/)
- [wiseclerk](https://www.p2p-banking.com/tag/wiseclerk/)
- [data](https://www.p2p-banking.com/tag/data/)
- [export](https://www.p2p-banking.com/tag/export/)
- [incremental](https://www.p2p-banking.com/tag/incremental/)
- [loans](https://www.p2p-banking.com/tag/loans/)
- [features](https://www.p2p-banking.com/tag/features/)
- [tools](https://www.p2p-banking.com/tag/tools/)
- [media](https://www.p2p-banking.com/tag/media/)
- [fygo](https://www.p2p-banking.com/tag/fygo/)
- [competitors](https://www.p2p-banking.com/tag/competitors/)
- [p2p lending](https://www.p2p-banking.com/tag/p2p-lending/)
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- [reports](https://www.p2p-banking.com/tag/reports/)
- [problems](https://www.p2p-banking.com/tag/problems/)
- [research](https://www.p2p-banking.com/tag/research/)
- [smava.de](https://www.p2p-banking.com/tag/smavade/)
- [markets](https://www.p2p-banking.com/tag/markets/)
- [p2p banking](https://www.p2p-banking.com/tag/p2p-banking/)
- [social lending](https://www.p2p-banking.com/tag/social-lending/)
- [expansion](https://www.p2p-banking.com/tag/expansion/)
- [p2p](https://www.p2p-banking.com/tag/p2p/)
- [lending](https://www.p2p-banking.com/tag/lending/)
- [report](https://www.p2p-banking.com/tag/report/)
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- [lenders](https://www.p2p-banking.com/tag/lenders/)
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- [borrower](https://www.p2p-banking.com/tag/borrower/)
- [forum](https://www.p2p-banking.com/tag/forum/)
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- [two millionaires](https://www.p2p-banking.com/tag/two-millionaires/)
- [groups on prosper](https://www.p2p-banking.com/tag/groups-on-prosper/)
- [twomillionaires1](https://www.p2p-banking.com/tag/twomillionaires1/)
- [p2p borrowing](https://www.p2p-banking.com/tag/p2p-borrowing/)
- [online banking](https://www.p2p-banking.com/tag/online-banking/)
- [investments](https://www.p2p-banking.com/tag/investments/)
- [investors](https://www.p2p-banking.com/tag/investors/)
- [banking](https://www.p2p-banking.com/tag/banking/)
- [high risk loans](https://www.p2p-banking.com/tag/high-risk-loans/)
- [credit grades](https://www.p2p-banking.com/tag/credit-grades/)
- [experian](https://www.p2p-banking.com/tag/experian/)
- [credit bureaus](https://www.p2p-banking.com/tag/credit-bureaus/)
- [press release](https://www.p2p-banking.com/tag/press-release/)
- [people-to-people](https://www.p2p-banking.com/tag/people-to-people/)
- [group](https://www.p2p-banking.com/tag/group/)
- [groups](https://www.p2p-banking.com/tag/groups/)
- [tool](https://www.p2p-banking.com/tag/tool/)
- [display](https://www.p2p-banking.com/tag/display/)
- [website](https://www.p2p-banking.com/tag/website/)
- [short](https://www.p2p-banking.com/tag/short/)
- [url](https://www.p2p-banking.com/tag/url/)
- [urls](https://www.p2p-banking.com/tag/urls/)
- [link](https://www.p2p-banking.com/tag/link/)
- [linking](https://www.p2p-banking.com/tag/linking/)
- [licensing](https://www.p2p-banking.com/tag/licensing/)
- [Nevada](https://www.p2p-banking.com/tag/nevada/)
- [good](https://www.p2p-banking.com/tag/good/)
- [dzogchen](https://www.p2p-banking.com/tag/dzogchen/)
- [customer service](https://www.p2p-banking.com/tag/customer-service/)
- [booberwatch](https://www.p2p-banking.com/tag/booberwatch/)
- [boober.nl](https://www.p2p-banking.com/tag/boobernl/)
- [richard van den toorn](https://www.p2p-banking.com/tag/richard-van-den-toorn/)
- [dutch](https://www.p2p-banking.com/tag/dutch/)
- [stats](https://www.p2p-banking.com/tag/stats/)
- [tracking](https://www.p2p-banking.com/tag/tracking/)
- [communitylend.com](https://www.p2p-banking.com/tag/communitylendcom/)
- [loan](https://www.p2p-banking.com/tag/loan/)
- [Michael Garrity](https://www.p2p-banking.com/tag/michael-garrity/)
- [Colin Henderson](https://www.p2p-banking.com/tag/colin-henderson/)
- [John Philip](https://www.p2p-banking.com/tag/john-philip/)
- [venture capital](https://www.p2p-banking.com/tag/venture-capital/)
- [dag ventures](https://www.p2p-banking.com/tag/dag-ventures/)
- [meritech capital partners](https://www.p2p-banking.com/tag/meritech-capital-partners/)
- [business case](https://www.p2p-banking.com/tag/business-case/)
- [profit](https://www.p2p-banking.com/tag/profit/)
- [costs](https://www.p2p-banking.com/tag/costs/)
- [transaction costs](https://www.p2p-banking.com/tag/transaction-costs/)
- [fairrates.dk](https://www.p2p-banking.com/tag/fairratesdk/)
- [arkadiusz hadjuk](https://www.p2p-banking.com/tag/arkadiusz-hadjuk/)
- [robert pawel bialek](https://www.p2p-banking.com/tag/robert-pawel-bialek/)
- [design](https://www.p2p-banking.com/tag/design/)
- [layout](https://www.p2p-banking.com/tag/layout/)
- [uptime](https://www.p2p-banking.com/tag/uptime/)
- [server](https://www.p2p-banking.com/tag/server/)
- [service level](https://www.p2p-banking.com/tag/service-level/)
- [downtime](https://www.p2p-banking.com/tag/downtime/)
- [zopa.com](https://www.p2p-banking.com/tag/zopacom/)
- [awards](https://www.p2p-banking.com/tag/awards/)
- [webby](https://www.p2p-banking.com/tag/webby/)
- [paaleads](https://www.p2p-banking.com/tag/paaleads/)
- [leads](https://www.p2p-banking.com/tag/leads/)
- [list broking](https://www.p2p-banking.com/tag/list-broking/)
- [broker](https://www.p2p-banking.com/tag/broker/)
- [franz hetzenauer](https://www.p2p-banking.com/tag/franz-hetzenauer/)
- [invest](https://www.p2p-banking.com/tag/invest/)
- [loanio](https://www.p2p-banking.com/tag/loanio/)
- [loanio.com](https://www.p2p-banking.com/tag/loaniocom/)
- [regulation](https://www.p2p-banking.com/tag/regulation/)
- [license](https://www.p2p-banking.com/tag/license/)
- [federal license](https://www.p2p-banking.com/tag/federal-license/)
- [netbanker](https://www.p2p-banking.com/tag/netbanker/)
- [advertising](https://www.p2p-banking.com/tag/advertising/)
- [bankrate](https://www.p2p-banking.com/tag/bankrate/)
- [john witchel](https://www.p2p-banking.com/tag/john-witchel/)
- [debt sale](https://www.p2p-banking.com/tag/debt-sale/)
- [frooble](https://www.p2p-banking.com/tag/frooble/)
- [frooble.nl](https://www.p2p-banking.com/tag/frooblenl/)
- [peer-to-peer lending](https://www.p2p-banking.com/tag/peer-to-peer-lending/)
- [afm](https://www.p2p-banking.com/tag/afm/)
- [lendingclub.com](https://www.p2p-banking.com/tag/lendingclubcom/)
- [facebook](https://www.p2p-banking.com/tag/facebook/)
- [facebook.com](https://www.p2p-banking.com/tag/facebookcom/)
- [ireloans.com](https://www.p2p-banking.com/tag/ireloanscom/)
- [ads](https://www.p2p-banking.com/tag/ads/)
- [technorati](https://www.p2p-banking.com/tag/technorati/)
- [microplace.com](https://www.p2p-banking.com/tag/microplacecom/)
- [technorati.com](https://www.p2p-banking.com/tag/technoraticom/)
- [default rates](https://www.p2p-banking.com/tag/default-rates/)
- [case study](https://www.p2p-banking.com/tag/case-study/)
- [launch](https://www.p2p-banking.com/tag/launch/)
- [comparison](https://www.p2p-banking.com/tag/comparison/)
- [auction](https://www.p2p-banking.com/tag/auction/)
- [law](https://www.p2p-banking.com/tag/law/)
- [federal](https://www.p2p-banking.com/tag/federal/)
- [national](https://www.p2p-banking.com/tag/national/)
- [state](https://www.p2p-banking.com/tag/state/)
- [limit](https://www.p2p-banking.com/tag/limit/)
- [limits](https://www.p2p-banking.com/tag/limits/)
- [vc](https://www.p2p-banking.com/tag/vc/)
- [earlybird](https://www.p2p-banking.com/tag/earlybird/)
- [kcbs](https://www.p2p-banking.com/tag/kcbs/)
- [popfunding](https://www.p2p-banking.com/tag/popfunding/)
- [popfunding.com](https://www.p2p-banking.com/tag/popfundingcom/)
- [moneyauction](https://www.p2p-banking.com/tag/moneyauction/)
- [moneyauction.co.kr](https://www.p2p-banking.com/tag/moneyauctioncokr/)
- [corea](https://www.p2p-banking.com/tag/corea/)
- [late payments](https://www.p2p-banking.com/tag/late-payments/)
- [award](https://www.p2p-banking.com/tag/award/)
- [finance](https://www.p2p-banking.com/tag/finance/)
- [boober.be](https://www.p2p-banking.com/tag/booberbe/)
- [loan volume](https://www.p2p-banking.com/tag/loan-volume/)
- [growth](https://www.p2p-banking.com/tag/growth/)
- [kiva.org](https://www.p2p-banking.com/tag/kivaorg/)
- [microfinance](https://www.p2p-banking.com/tag/microfinance/)
- [wonga](https://www.p2p-banking.com/tag/wonga/)
- [speed](https://www.p2p-banking.com/tag/speed/)
- [toogly](https://www.p2p-banking.com/tag/toogly/)
- [carsten hansen](https://www.p2p-banking.com/tag/carsten-hansen/)
- [mortgage](https://www.p2p-banking.com/tag/mortgage/)
- [mortgages](https://www.p2p-banking.com/tag/mortgages/)
- [guus drijver](https://www.p2p-banking.com/tag/guus-drijver/)
- [interview](https://www.p2p-banking.com/tag/interview/)
- [barcampbank](https://www.p2p-banking.com/tag/barcampbank/)
- [jean christophe capelli](https://www.p2p-banking.com/tag/jean-christophe-capelli/)
- [frederic baud](https://www.p2p-banking.com/tag/frederic-baud/)
- [interest](https://www.p2p-banking.com/tag/interest/)
- [communication](https://www.p2p-banking.com/tag/communication/)
- [blog](https://www.p2p-banking.com/tag/blog/)
- [newsletter](https://www.p2p-banking.com/tag/newsletter/)
- [secondary market](https://www.p2p-banking.com/tag/secondary-market/)
- [sell loans](https://www.p2p-banking.com/tag/sell-loans/)
- [buy loans](https://www.p2p-banking.com/tag/buy-loans/)
- [duck9](https://www.p2p-banking.com/tag/duck9/)
- [duck9.com](https://www.p2p-banking.com/tag/duck9com/)
- [college](https://www.p2p-banking.com/tag/college/)
- [students](https://www.p2p-banking.com/tag/students/)
- [larry chiang](https://www.p2p-banking.com/tag/larry-chiang/)
- [restriction](https://www.p2p-banking.com/tag/restriction/)
- [deregulation](https://www.p2p-banking.com/tag/deregulation/)
- [europe](https://www.p2p-banking.com/tag/europe/)
- [banks](https://www.p2p-banking.com/tag/banks/)
- [udo reifner](https://www.p2p-banking.com/tag/udo-reifner/)
- [bank law](https://www.p2p-banking.com/tag/bank-law/)
- [wiseclerk.com](https://www.p2p-banking.com/tag/wiseclerkcom/)
- [wall street journal](https://www.p2p-banking.com/tag/wall-street-journal/)
- [volume](https://www.p2p-banking.com/tag/volume/)
- [statistics](https://www.p2p-banking.com/tag/statistics/)
- [myc4stats](https://www.p2p-banking.com/tag/myc4stats/)
- [myc4.com](https://www.p2p-banking.com/tag/myc4com/)
- [referral program](https://www.p2p-banking.com/tag/referral-program/)
- [affiliate](https://www.p2p-banking.com/tag/affiliate/)
- [network](https://www.p2p-banking.com/tag/network/)
- [bonus](https://www.p2p-banking.com/tag/bonus/)
- [db research](https://www.p2p-banking.com/tag/db-research/)
- [globefunder.com](https://www.p2p-banking.com/tag/globefundercom/)
- [affiliate programm](https://www.p2p-banking.com/tag/affiliate-programm/)
- [affilinet](https://www.p2p-banking.com/tag/affilinet/)
- [affiliate network](https://www.p2p-banking.com/tag/affiliate-network/)
- [sbi group](https://www.p2p-banking.com/tag/sbi-group/)
- [asia](https://www.p2p-banking.com/tag/asia/)
- [changes](https://www.p2p-banking.com/tag/changes/)
- [alexander artope](https://www.p2p-banking.com/tag/alexander-artope/)
- [reuters](https://www.p2p-banking.com/tag/reuters/)
- [business model](https://www.p2p-banking.com/tag/business-model/)
- [funding](https://www.p2p-banking.com/tag/funding/)
- [criticism](https://www.p2p-banking.com/tag/criticism/)
- [users](https://www.p2p-banking.com/tag/users/)
- [support](https://www.p2p-banking.com/tag/support/)
- [forums](https://www.p2p-banking.com/tag/forums/)
- [lending club](https://www.p2p-banking.com/tag/lending-club/)
- [arizona](https://www.p2p-banking.com/tag/arizona/)
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- [ivan martelli](https://www.p2p-banking.com/tag/ivan-martelli/)
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- [insurance](https://www.p2p-banking.com/tag/insurance/)
- [mfis](https://www.p2p-banking.com/tag/mfis/)
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- [partizipa.com](https://www.p2p-banking.com/tag/partizipacom/)
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- [student loans](https://www.p2p-banking.com/tag/student-loans/)
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- [residual debt insurance](https://www.p2p-banking.com/tag/residual-debt-insurance/)
- [produt development](https://www.p2p-banking.com/tag/produt-development/)
- [Takashi Yoneda](https://www.p2p-banking.com/tag/takashi-yoneda/)
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- [management](https://www.p2p-banking.com/tag/management/)
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- [cbs](https://www.p2p-banking.com/tag/cbs/)
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- [private student loans](https://www.p2p-banking.com/tag/private-student-loans/)
- [libor](https://www.p2p-banking.com/tag/libor/)
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- [rates](https://www.p2p-banking.com/tag/rates/)
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- [portfolio management](https://www.p2p-banking.com/tag/portfolio-management/)
- [institutional lenders](https://www.p2p-banking.com/tag/institutional-lenders/)
- [adam weyeneth](https://www.p2p-banking.com/tag/adam-weyeneth/)
- [fair deal credit](https://www.p2p-banking.com/tag/fair-deal-credit/)
- [company](https://www.p2p-banking.com/tag/company/)
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- [tim vang](https://www.p2p-banking.com/tag/tim-vang/)
- [lending term](https://www.p2p-banking.com/tag/lending-term/)
- [zopa uk](https://www.p2p-banking.com/tag/zopa-uk/)
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- [loan amounts](https://www.p2p-banking.com/tag/loan-amounts/)
- [loan terms](https://www.p2p-banking.com/tag/loan-terms/)
- [business loans](https://www.p2p-banking.com/tag/business-loans/)
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- [branded](https://www.p2p-banking.com/tag/branded/)
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- [education loans](https://www.p2p-banking.com/tag/education-loans/)
- [zopa us](https://www.p2p-banking.com/tag/zopa-us/)
- [magazine](https://www.p2p-banking.com/tag/magazine/)
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- [credit card](https://www.p2p-banking.com/tag/credit-card/)
- [kivab4bproject](https://www.p2p-banking.com/tag/kivab4bproject/)
- [kivab4bproject.org](https://www.p2p-banking.com/tag/kivab4bprojectorg/)
- [advanta.com](https://www.p2p-banking.com/tag/advantacom/)
- [peer](https://www.p2p-banking.com/tag/peer/)
- [vrl knowledgebank](https://www.p2p-banking.com/tag/vrl-knowledgebank/)
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- [ray cain](https://www.p2p-banking.com/tag/ray-cain/)
- [currency risk](https://www.p2p-banking.com/tag/currency-risk/)
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- [portfolio](https://www.p2p-banking.com/tag/portfolio/)
- [late](https://www.p2p-banking.com/tag/late/)
- [greennote.com](https://www.p2p-banking.com/tag/greennotecom/)
- [menlo ventures](https://www.p2p-banking.com/tag/menlo-ventures/)
- [glenbrook partners](https://www.p2p-banking.com/tag/glenbrook-partners/)
- [bankrate.com](https://www.p2p-banking.com/tag/bankratecom/)
- [press coverage](https://www.p2p-banking.com/tag/press-coverage/)
- [seth freedman](https://www.p2p-banking.com/tag/seth-freedman/)
- [ginger the jin](https://www.p2p-banking.com/tag/ginger-the-jin/)
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- [billboard](https://www.p2p-banking.com/tag/billboard/)
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- [referral](https://www.p2p-banking.com/tag/referral/)
- [accounting](https://www.p2p-banking.com/tag/accounting/)
- [bugs](https://www.p2p-banking.com/tag/bugs/)
- [d2c lending](https://www.p2p-banking.com/tag/d2c-lending/)
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- [sec](https://www.p2p-banking.com/tag/sec/)
- [filing](https://www.p2p-banking.com/tag/filing/)
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- [financial suitability standards](https://www.p2p-banking.com/tag/financial-suitability-standards/)
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- [note trading platform](https://www.p2p-banking.com/tag/note-trading-platform/)
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- [notes](https://www.p2p-banking.com/tag/notes/)
- [foliofn](https://www.p2p-banking.com/tag/foliofn/)
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- [notre nation](https://www.p2p-banking.com/tag/notre-nation/)
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- [courtney mccolgan](https://www.p2p-banking.com/tag/courtney-mccolgan/)
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- [fundraising](https://www.p2p-banking.com/tag/fundraising/)
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- [guarantor](https://www.p2p-banking.com/tag/guarantor/)
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- [unitedprosperity.org](https://www.p2p-banking.com/tag/unitedprosperityorg/)
- [nexx](https://www.p2p-banking.com/tag/nexx/)
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- [ben milsom](https://www.p2p-banking.com/tag/ben-milsom/)
- [the icehouse](https://www.p2p-banking.com/tag/the-icehouse/)
- [glenn ridell](https://www.p2p-banking.com/tag/glenn-ridell/)
- [james wallace](https://www.p2p-banking.com/tag/james-wallace/)
- [mark catley](https://www.p2p-banking.com/tag/mark-catley/)
- [csr capital](https://www.p2p-banking.com/tag/csr-capital/)
- [ifu](https://www.p2p-banking.com/tag/ifu/)
- [ulla tornaes](https://www.p2p-banking.com/tag/ulla-tornaes/)
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- [fund](https://www.p2p-banking.com/tag/fund/)
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- [hunt henriques](https://www.p2p-banking.com/tag/hunt-henriques/)
- [domain](https://www.p2p-banking.com/tag/domain/)
- [unister](https://www.p2p-banking.com/tag/unister/)
- [abacho](https://www.p2p-banking.com/tag/abacho/)
- [kredit](https://www.p2p-banking.com/tag/kredit/)
- [lendingtree](https://www.p2p-banking.com/tag/lendingtree/)
- [freedomfinancialnetwork](https://www.p2p-banking.com/tag/freedomfinancialnetwork/)
- [firstagain](https://www.p2p-banking.com/tag/firstagain/)
- [creditkarma](https://www.p2p-banking.com/tag/creditkarma/)
- [plausibility](https://www.p2p-banking.com/tag/plausibility/)
- [provider](https://www.p2p-banking.com/tag/provider/)
- [entrinnova](https://www.p2p-banking.com/tag/entrinnova/)
- [comunitae.com](https://www.p2p-banking.com/tag/comunitaecom/)
- [jose miguel rotaeche](https://www.p2p-banking.com/tag/jose-miguel-rotaeche/)
- [arturo cervera](https://www.p2p-banking.com/tag/arturo-cervera/)
- [cease and desist](https://www.p2p-banking.com/tag/cease-and-desist/)
- [class action](https://www.p2p-banking.com/tag/class-action/)
- [the rosen law firm](https://www.p2p-banking.com/tag/the-rosen-law-firm/)
- [nasaa](https://www.p2p-banking.com/tag/nasaa/)
- [settlement](https://www.p2p-banking.com/tag/settlement/)
- [financial statement](https://www.p2p-banking.com/tag/financial-statement/)
- [policy](https://www.p2p-banking.com/tag/policy/)
- [inactive account](https://www.p2p-banking.com/tag/inactive-account/)
- [acted](https://www.p2p-banking.com/tag/acted/)
- [bred](https://www.p2p-banking.com/tag/bred/)
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- [benin](https://www.p2p-banking.com/tag/benin/)
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- [tajikistan](https://www.p2p-banking.com/tag/tajikistan/)
- [noba](https://www.p2p-banking.com/tag/noba/)
- [peter petrovics](https://www.p2p-banking.com/tag/peter-petrovics/)
- [charlie szabo](https://www.p2p-banking.com/tag/charlie-szabo/)
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- [Marcin Klinowski](https://www.p2p-banking.com/tag/marcin-klinowski/)
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- [national retail fund](https://www.p2p-banking.com/tag/national-retail-fund/)
- [pertuity bucks](https://www.p2p-banking.com/tag/pertuity-bucks/)
- [developer program](https://www.p2p-banking.com/tag/developer-program/)
- [financial crisis](https://www.p2p-banking.com/tag/financial-crisis/)
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- [mba](https://www.p2p-banking.com/tag/mba/)
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- [apr](https://www.p2p-banking.com/tag/apr/)
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- [middle east](https://www.p2p-banking.com/tag/middle-east/)
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- [sam adelsberg](https://www.p2p-banking.com/tag/sam-adelsberg/)
- [andrew dudum](https://www.p2p-banking.com/tag/andrew-dudum/)
- [david fraga](https://www.p2p-banking.com/tag/david-fraga/)
- [al taj](https://www.p2p-banking.com/tag/al-taj/)
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- [people2capital](https://www.p2p-banking.com/tag/people2capital/)
- [radcliff group](https://www.p2p-banking.com/tag/radcliff-group/)
- [lubbus](https://www.p2p-banking.com/tag/lubbus/)
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- [vicente de luna](https://www.p2p-banking.com/tag/vicente-de-luna/)
- [maria j. bustamente](https://www.p2p-banking.com/tag/maria-j-bustamente/)
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- [pärtel tomberg](https://www.p2p-banking.com/tag/partel-tomberg/)
- [mikhel tasa](https://www.p2p-banking.com/tag/mikhel-tasa/)
- [martin rask](https://www.p2p-banking.com/tag/martin-rask/)
- [estonia](https://www.p2p-banking.com/tag/estonia/)
- [tuitionu](https://www.p2p-banking.com/tag/tuitionu/)
- [greenote.com](https://www.p2p-banking.com/tag/greenotecom/)
- [tuitionu.com](https://www.p2p-banking.com/tag/tuitionucom/)
- [acquisition](https://www.p2p-banking.com/tag/acquisition/)
- [cology](https://www.p2p-banking.com/tag/cology/)
- [rob garcia](https://www.p2p-banking.com/tag/rob-garcia/)
- [transparency](https://www.p2p-banking.com/tag/transparency/)
- [co-funding](https://www.p2p-banking.com/tag/co-funding/)
- [affiliate program](https://www.p2p-banking.com/tag/affiliate-program/)
- [miscoci](https://www.p2p-banking.com/tag/miscoci/)
- [mrogenthaler ventures](https://www.p2p-banking.com/tag/mrogenthaler-ventures/)
- [paul jozefak](https://www.p2p-banking.com/tag/paul-jozefak/)
- [ira](https://www.p2p-banking.com/tag/ira/)
- [entrust](https://www.p2p-banking.com/tag/entrust/)
- [entrustcama](https://www.p2p-banking.com/tag/entrustcama/)
- [tax](https://www.p2p-banking.com/tag/tax/)
- [retirement](https://www.p2p-banking.com/tag/retirement/)
- [non-profit](https://www.p2p-banking.com/tag/non-profit/)
- [social causes](https://www.p2p-banking.com/tag/social-causes/)
- [tori tuncan](https://www.p2p-banking.com/tag/tori-tuncan/)
- [lend4health](https://www.p2p-banking.com/tag/lend4health/)
- [autism](https://www.p2p-banking.com/tag/autism/)
- [jack gu](https://www.p2p-banking.com/tag/jack-gu/)
- [essentia equity](https://www.p2p-banking.com/tag/essentia-equity/)
- [roy sebag](https://www.p2p-banking.com/tag/roy-sebag/)
- [isepankur](https://www.p2p-banking.com/tag/isepankur/)
- [isepankur.ee](https://www.p2p-banking.com/tag/isepankuree/)
- [aqush](https://www.p2p-banking.com/tag/aqush/)
- [aqush tomo](https://www.p2p-banking.com/tag/aqush-tomo/)
- [aqush market](https://www.p2p-banking.com/tag/aqush-market/)
- [russell cummer](https://www.p2p-banking.com/tag/russell-cummer/)
- [exchange corporation](https://www.p2p-banking.com/tag/exchange-corporation/)
- [orix credit corporation](https://www.p2p-banking.com/tag/orix-credit-corporation/)
- [open market loans](https://www.p2p-banking.com/tag/open-market-loans/)
- [loan matching](https://www.p2p-banking.com/tag/loan-matching/)
- [california](https://www.p2p-banking.com/tag/california/)
- [open market](https://www.p2p-banking.com/tag/open-market/)
- [application](https://www.p2p-banking.com/tag/application/)
- [vittana](https://www.p2p-banking.com/tag/vittana/)
- [vittana.org](https://www.p2p-banking.com/tag/vittanaorg/)
- [paraguay](https://www.p2p-banking.com/tag/paraguay/)
- [sven berger](https://www.p2p-banking.com/tag/sven-berger/)
- [fabian gleisner](https://www.p2p-banking.com/tag/fabian-gleisner/)
- [prosper. prosper.com](https://www.p2p-banking.com/tag/prosper-prospercom/)
- [ioucentral.com](https://www.p2p-banking.com/tag/ioucentralcom/)
- [barry coleman](https://www.p2p-banking.com/tag/barry-coleman/)
- [mobile payment](https://www.p2p-banking.com/tag/mobile-payment/)
- [mastercard](https://www.p2p-banking.com/tag/mastercard/)
- [idea](https://www.p2p-banking.com/tag/idea/)
- [myelen](https://www.p2p-banking.com/tag/myelen/)
- [myelen.com](https://www.p2p-banking.com/tag/myelencom/)
- [mexico](https://www.p2p-banking.com/tag/mexico/)
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- [caja navarra](https://www.p2p-banking.com/tag/caja-navarra/)
- [can](https://www.p2p-banking.com/tag/can/)
- [debate](https://www.p2p-banking.com/tag/debate/)
- [auxmoney](https://www.p2p-banking.com/tag/auxmoney/)
- [auxmoney.com](https://www.p2p-banking.com/tag/auxmoneycom/)
- [audio](https://www.p2p-banking.com/tag/audio/)
- [gurantee](https://www.p2p-banking.com/tag/gurantee/)
- [ajiwika society](https://www.p2p-banking.com/tag/ajiwika-society/)
- [accion](https://www.p2p-banking.com/tag/accion/)
- [opportunity fund](https://www.p2p-banking.com/tag/opportunity-fund/)
- [matt flannery](https://www.p2p-banking.com/tag/matt-flannery/)
- [aqush.jp](https://www.p2p-banking.com/tag/aqushjp/)
- [unithrive](https://www.p2p-banking.com/tag/unithrive/)
- [unithrive.org](https://www.p2p-banking.com/tag/unithriveorg/)
- [harvard](https://www.p2p-banking.com/tag/harvard/)
- [montana](https://www.p2p-banking.com/tag/montana/)
- [humour](https://www.p2p-banking.com/tag/humour/)
- [prime](https://www.p2p-banking.com/tag/prime/)
- [good energy](https://www.p2p-banking.com/tag/good-energy/)
- [tom shelton](https://www.p2p-banking.com/tag/tom-shelton/)
- [serious change](https://www.p2p-banking.com/tag/serious-change/)
- [free](https://www.p2p-banking.com/tag/free/)
- [chris anderson](https://www.p2p-banking.com/tag/chris-anderson/)
- [latvia](https://www.p2p-banking.com/tag/latvia/)
- [conversion](https://www.p2p-banking.com/tag/conversion/)
- [ian j. galloway](https://www.p2p-banking.com/tag/ian-j-galloway/)
- [innovation](https://www.p2p-banking.com/tag/innovation/)
- [konrad hummler](https://www.p2p-banking.com/tag/konrad-hummler/)
- [cooperative banking](https://www.p2p-banking.com/tag/cooperative-banking/)
- [credit agricole](https://www.p2p-banking.com/tag/credit-agricole/)
- [mobile](https://www.p2p-banking.com/tag/mobile/)
- [uppspretta](https://www.p2p-banking.com/tag/uppspretta/)
- [iceland](https://www.p2p-banking.com/tag/iceland/)
- [bankless life](https://www.p2p-banking.com/tag/bankless-life/)
- [siegfried fischer](https://www.p2p-banking.com/tag/siegfried-fischer/)
- [nicaragua](https://www.p2p-banking.com/tag/nicaragua/)
- [refinance](https://www.p2p-banking.com/tag/refinance/)
- [nigel morris](https://www.p2p-banking.com/tag/nigel-morris/)
- [qed investors](https://www.p2p-banking.com/tag/qed-investors/)
- [offline sales](https://www.p2p-banking.com/tag/offline-sales/)
- [partnership](https://www.p2p-banking.com/tag/partnership/)
- [euro finanse](https://www.p2p-banking.com/tag/euro-finanse/)
- [nick talwar](https://www.p2p-banking.com/tag/nick-talwar/)
- [svend toettrup](https://www.p2p-banking.com/tag/svend-toettrup/)
- [sponsor](https://www.p2p-banking.com/tag/sponsor/)
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- [environment](https://www.p2p-banking.com/tag/environment/)
- [consumer financial protection agency](https://www.p2p-banking.com/tag/consumer-financial-protection-agency/)
- [cfpa](https://www.p2p-banking.com/tag/cfpa/)
- [contest](https://www.p2p-banking.com/tag/contest/)
- [project](https://www.p2p-banking.com/tag/project/)
- [gartner](https://www.p2p-banking.com/tag/gartner/)
- [accredited investor](https://www.p2p-banking.com/tag/accredited-investor/)
- [2010](https://www.p2p-banking.com/tag/2010/)
- [social network](https://www.p2p-banking.com/tag/social-network/)
- [zidisha](https://www.p2p-banking.com/tag/zidisha/)
- [zidisha.org](https://www.p2p-banking.com/tag/zidisha-org/)
- [julia kurnia](https://www.p2p-banking.com/tag/julia-kurnia/)
- [bigcarrots](https://www.p2p-banking.com/tag/bigcarrots/)
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- [m-pesa](https://www.p2p-banking.com/tag/m-pesa/)
- [mymicrocredit](https://www.p2p-banking.com/tag/mymicrocredit/)
- [mymicrocredit.org](https://www.p2p-banking.com/tag/mymicrocredit-org/)
- [karl rabeder](https://www.p2p-banking.com/tag/karl-rabeder/)
- [apoyo integral](https://www.p2p-banking.com/tag/apoyo-integral/)
- [fundingcircle](https://www.p2p-banking.com/tag/fundingcircle/)
- [fundingcircle.com](https://www.p2p-banking.com/tag/fundingcircle-com/)
- [james meekings](https://www.p2p-banking.com/tag/james-meekings/)
- [lendingclub.co](https://www.p2p-banking.com/tag/lendingclub-co/)
- [social networks](https://www.p2p-banking.com/tag/social-networks/)
- [birima](https://www.p2p-banking.com/tag/birima/)
- [cortal consors](https://www.p2p-banking.com/tag/cortal-consors/)
- [annualized default rate](https://www.p2p-banking.com/tag/annualized-default-rate/)
- [annualized return rate](https://www.p2p-banking.com/tag/annualized-return-rate/)
- [foundation capital](https://www.p2p-banking.com/tag/foundation-capital/)
- [morgenthaler ventures](https://www.p2p-banking.com/tag/morgenthaler-ventures/)
- [Tomorrow Ventures](https://www.p2p-banking.com/tag/tomorrow-ventures/)
- [CompuCredit Holdings](https://www.p2p-banking.com/tag/compucredit-holdings/)
- [Accel Partners](https://www.p2p-banking.com/tag/accel-partners/)
- [Benchmark Capital](https://www.p2p-banking.com/tag/benchmark-capital/)
- [Omidyar Network](https://www.p2p-banking.com/tag/omidyar-network/)
- [Volition Capital](https://www.p2p-banking.com/tag/volition-capital/)
- [eric schmidt](https://www.p2p-banking.com/tag/eric-schmidt/)
- [twitter](https://www.p2p-banking.com/tag/twitter/)
- [providers](https://www.p2p-banking.com/tag/providers/)
- [jes colding](https://www.p2p-banking.com/tag/jes-colding/)
- [supply chain](https://www.p2p-banking.com/tag/supply-chain/)
- [ilo](https://www.p2p-banking.com/tag/ilo/)
- [books](https://www.p2p-banking.com/tag/books/)
- [reputation](https://www.p2p-banking.com/tag/reputation/)
- [community](https://www.p2p-banking.com/tag/community/)
- [tuomas talola](https://www.p2p-banking.com/tag/tuomas-talola/)
- [lainaaja](https://www.p2p-banking.com/tag/lainaaja/)
- [collateral](https://www.p2p-banking.com/tag/collateral/)
- [cars](https://www.p2p-banking.com/tag/cars/)
- [real estate](https://www.p2p-banking.com/tag/real-estate/)
- [kushal chakrabarti](https://www.p2p-banking.com/tag/kushal-chakrabarti/)
- [myazimia](https://www.p2p-banking.com/tag/myazimia/)
- [paypass](https://www.p2p-banking.com/tag/paypass/)
- [SMS](https://www.p2p-banking.com/tag/sms/)
- [m-kesho](https://www.p2p-banking.com/tag/m-kesho/)
- [safaricom](https://www.p2p-banking.com/tag/safaricom/)
- [fairplace](https://www.p2p-banking.com/tag/fairplace/)
- [brazil](https://www.p2p-banking.com/tag/brazil/)
- [eldes matiuzzo](https://www.p2p-banking.com/tag/eldes-matiuzzo/)
- [brett king](https://www.p2p-banking.com/tag/brett-king/)
- [recession](https://www.p2p-banking.com/tag/recession/)
- [planet rating](https://www.p2p-banking.com/tag/planet-rating/)
- [funding circle](https://www.p2p-banking.com/tag/funding-circle/)
- [maps](https://www.p2p-banking.com/tag/maps/)
- [fixura](https://www.p2p-banking.com/tag/fixura/)
- [fixura.fi.](https://www.p2p-banking.com/tag/fixura-fi/)
- [finland](https://www.p2p-banking.com/tag/finland/)
- [simon sandvik](https://www.p2p-banking.com/tag/simon-sandvik/)
- [yes-secure](https://www.p2p-banking.com/tag/yes-secure/)
- [yes-secure.com](https://www.p2p-banking.com/tag/yes-secure-com/)
- [chandra patni](https://www.p2p-banking.com/tag/chandra-patni/)
- [ratesetter](https://www.p2p-banking.com/tag/ratesetter/)
- [ratesetter.com](https://www.p2p-banking.com/tag/ratesetter-com/)
- [rhydian lewis](https://www.p2p-banking.com/tag/rhydian-lewis/)
- [peter behrens](https://www.p2p-banking.com/tag/peter-behrens/)
- [kimaventures](https://www.p2p-banking.com/tag/kimaventures/)
- [pretdunion](https://www.p2p-banking.com/tag/pretdunion/)
- [quakle](https://www.p2p-banking.com/tag/quakle/)
- [500 startups](https://www.p2p-banking.com/tag/500-startups/)
- [rapid returns](https://www.p2p-banking.com/tag/rapid-returns/)
- [money360](https://www.p2p-banking.com/tag/money360/)
- [money360.com](https://www.p2p-banking.com/tag/money360-com/)
- [trustbuddy](https://www.p2p-banking.com/tag/trustbuddy/)
- [feedback](https://www.p2p-banking.com/tag/feedback/)
- [usability](https://www.p2p-banking.com/tag/usability/)
- [nooch](https://www.p2p-banking.com/tag/nooch/)
- [financeit](https://www.p2p-banking.com/tag/financeit/)
- [financing](https://www.p2p-banking.com/tag/financing/)
- [iphone](https://www.p2p-banking.com/tag/iphone/)
- [app](https://www.p2p-banking.com/tag/app/)
- [review trends](https://www.p2p-banking.com/tag/review-trends/)
- [kotikonttori](https://www.p2p-banking.com/tag/kotikonttori/)
- [2011](https://www.p2p-banking.com/tag/2011/)
- [joinfite](https://www.p2p-banking.com/tag/joinfite/)
- [product placement](https://www.p2p-banking.com/tag/product-placement/)
- [fidor](https://www.p2p-banking.com/tag/fidor/)
- [fidorpay](https://www.p2p-banking.com/tag/fidorpay/)
- [product](https://www.p2p-banking.com/tag/product/)
- [rebirthfinancial](https://www.p2p-banking.com/tag/rebirthfinancial/)
- [louisiana](https://www.p2p-banking.com/tag/louisiana/)
- [chonchol gupta](https://www.p2p-banking.com/tag/chonchol-gupta/)
- [xavier cabo](https://www.p2p-banking.com/tag/xavier-cabo/)
- [pricing](https://www.p2p-banking.com/tag/pricing/)
- [creditease](https://www.p2p-banking.com/tag/creditease/)
- [creditease.cn](https://www.p2p-banking.com/tag/creditease-cn/)
- [tang ning](https://www.p2p-banking.com/tag/tang-ning/)
- [crowdcube](https://www.p2p-banking.com/tag/crowdcube/)
- [crowdcube.com](https://www.p2p-banking.com/tag/crowdcube-com/)
- [p2p equity](https://www.p2p-banking.com/tag/p2p-equity/)
- [p2p funding](https://www.p2p-banking.com/tag/p2p-funding/)
- [darren westlake](https://www.p2p-banking.com/tag/darren-westlake/)
- [luke lang](https://www.p2p-banking.com/tag/luke-lang/)
- [sustainability](https://www.p2p-banking.com/tag/sustainability/)
- [user satisfaction](https://www.p2p-banking.com/tag/user-satisfaction/)
- [visa](https://www.p2p-banking.com/tag/visa/)
- [payment](https://www.p2p-banking.com/tag/payment/)
- [woman](https://www.p2p-banking.com/tag/woman/)
- [inuka](https://www.p2p-banking.com/tag/inuka/)
- [kanini mutooni](https://www.p2p-banking.com/tag/kanini-mutooni/)
- [lendwithcare](https://www.p2p-banking.com/tag/lendwithcare/)
- [togo](https://www.p2p-banking.com/tag/togo/)
- [indonesia](https://www.p2p-banking.com/tag/indonesia/)
- [philippines](https://www.p2p-banking.com/tag/philippines/)
- [p2p insurance](https://www.p2p-banking.com/tag/p2p-insurance/)
- [index ventures](https://www.p2p-banking.com/tag/index-ventures/)
- [gender](https://www.p2p-banking.com/tag/gender/)
- [patent](https://www.p2p-banking.com/tag/patent/)
- [endorsement](https://www.p2p-banking.com/tag/endorsement/)
- [symbid](https://www.p2p-banking.com/tag/symbid/)
- [norway](https://www.p2p-banking.com/tag/norway/)
- [slovenia](https://www.p2p-banking.com/tag/slovenia/)
- [korstiaan zandvliet](https://www.p2p-banking.com/tag/korstiaan-zandvliet/)
- [union square ventures](https://www.p2p-banking.com/tag/union-square-ventures/)
- [seedmatch](https://www.p2p-banking.com/tag/seedmatch/)
- [peer2peer finance association](https://www.p2p-banking.com/tag/peer2peer-finance-association/)
- [age](https://www.p2p-banking.com/tag/age/)
- [predunion](https://www.p2p-banking.com/tag/predunion/)
- [prestiamoci](https://www.p2p-banking.com/tag/prestiamoci/)
- [banca sella](https://www.p2p-banking.com/tag/banca-sella/)
- [createjobsforusa](https://www.p2p-banking.com/tag/createjobsforusa/)
- [starbucks](https://www.p2p-banking.com/tag/starbucks/)
- [u-haul](https://www.p2p-banking.com/tag/u-haul/)
- [amerco](https://www.p2p-banking.com/tag/amerco/)
- [civilised money](https://www.p2p-banking.com/tag/civilised-money/)
- [appbackr](https://www.p2p-banking.com/tag/appbackr/)
- [seis](https://www.p2p-banking.com/tag/seis/)
- [kiva zip](https://www.p2p-banking.com/tag/kiva-zip/)
- [smartika](https://www.p2p-banking.com/tag/smartika/)
- [infographic](https://www.p2p-banking.com/tag/infographic/)
- [herofunding](https://www.p2p-banking.com/tag/herofunding/)
- [squirrl](https://www.p2p-banking.com/tag/squirrl/)
- [rainfin](https://www.p2p-banking.com/tag/rainfin/)
- [i-lend](https://www.p2p-banking.com/tag/i-lend/)
- [ebook](https://www.p2p-banking.com/tag/ebook/)
- [international lending](https://www.p2p-banking.com/tag/international-lending/)
- [fundingknight](https://www.p2p-banking.com/tag/fundingknight/)
- [societyone](https://www.p2p-banking.com/tag/societyone/)
- [folk2folk](https://www.p2p-banking.com/tag/folk2folk/)
- [linked finance](https://www.p2p-banking.com/tag/linked-finance/)
- [funding community](https://www.p2p-banking.com/tag/funding-community/)
- [singapore](https://www.p2p-banking.com/tag/singapore/)
- [prestadero](https://www.p2p-banking.com/tag/prestadero/)
- [argentina](https://www.p2p-banking.com/tag/argentina/)
- [credit grads](https://www.p2p-banking.com/tag/credit-grads/)
- [sequoia](https://www.p2p-banking.com/tag/sequoia/)
- [blackrock](https://www.p2p-banking.com/tag/blackrock/)
- [endurance lending network](https://www.p2p-banking.com/tag/endurance-lending-network/)
- [ribbit capital](https://www.p2p-banking.com/tag/ribbit-capital/)
- [daric](https://www.p2p-banking.com/tag/daric/)
- [finmar](https://www.p2p-banking.com/tag/finmar/)
- [slovakia](https://www.p2p-banking.com/tag/slovakia/)
- [israel](https://www.p2p-banking.com/tag/israel/)
- [zank](https://www.p2p-banking.com/tag/zank/)
- [hongkong](https://www.p2p-banking.com/tag/hongkong/)
- [lending works](https://www.p2p-banking.com/tag/lending-works/)
- [lendico](https://www.p2p-banking.com/tag/lendico/)
- [geldvoorelkaar](https://www.p2p-banking.com/tag/geldvoorelkaar/)
- [filter](https://www.p2p-banking.com/tag/filter/)
- [rebuildingsociety](https://www.p2p-banking.com/tag/rebuildingsociety/)
- [peter renton](https://www.p2p-banking.com/tag/peter-renton/)
- [seedrs](https://www.p2p-banking.com/tag/seedrs/)
- [zencap](https://www.p2p-banking.com/tag/zencap/)
- [bondora](https://www.p2p-banking.com/tag/bondora/)
- [whole loans](https://www.p2p-banking.com/tag/whole-loans/)
- [startup](https://www.p2p-banking.com/tag/startup/)
- [landbay](https://www.p2p-banking.com/tag/landbay/)
- [partech ventures](https://www.p2p-banking.com/tag/partech-ventures/)
- [assetz capital](https://www.p2p-banking.com/tag/assetz-capital/)
- [standard](https://www.p2p-banking.com/tag/standard/)
- [p2pfa](https://www.p2p-banking.com/tag/p2pfa/)
- [balderton capital](https://www.p2p-banking.com/tag/balderton-capital/)
- [bergfuerst](https://www.p2p-banking.com/tag/bergfuerst/)
- [crowdinvestment](https://www.p2p-banking.com/tag/crowdinvestment/)
- [ablrate](https://www.p2p-banking.com/tag/ablrate/)
- [conference](https://www.p2p-banking.com/tag/conference/)
- [investly](https://www.p2p-banking.com/tag/investly/)
- [IPO](https://www.p2p-banking.com/tag/ipo/)
- [trading](https://www.p2p-banking.com/tag/trading/)
- [crowd bank](https://www.p2p-banking.com/tag/crowd-bank/)
- [crowdcredit](https://www.p2p-banking.com/tag/crowdcredit/)
- [loanbook capital](https://www.p2p-banking.com/tag/loanbook-capital/)
- [james buckland](https://www.p2p-banking.com/tag/james-buckland/)
- [trillion fund](https://www.p2p-banking.com/tag/trillion-fund/)
- [crowdlords](https://www.p2p-banking.com/tag/crowdlords/)
- [nesta](https://www.p2p-banking.com/tag/nesta/)
- [finexkap](https://www.p2p-banking.com/tag/finexkap/)
- [gli finance](https://www.p2p-banking.com/tag/gli-finance/)
- [finsight](https://www.p2p-banking.com/tag/finsight/)
- [lendit](https://www.p2p-banking.com/tag/lendit/)
- [sekrata](https://www.p2p-banking.com/tag/sekrata/)
- [bitcoin](https://www.p2p-banking.com/tag/bitcoin/)
- [bitbond](https://www.p2p-banking.com/tag/bitbond/)
- [isepankur portfolio](https://www.p2p-banking.com/tag/isepankur-portfolio/)
- [lending robot](https://www.p2p-banking.com/tag/lending-robot/)
- [unilend](https://www.p2p-banking.com/tag/unilend/)
- [mintos](https://www.p2p-banking.com/tag/mintos/)
- [convertible note](https://www.p2p-banking.com/tag/convertible-note/)
- [fundedbyme](https://www.p2p-banking.com/tag/fundedbyme/)
- [maurizio sella](https://www.p2p-banking.com/tag/maurizio-sella/)

## Loan Types

- [Property](https://www.p2p-banking.com/loantype/property/)
- [Consumer loans](https://www.p2p-banking.com/loantype/consumer-loans/)
- [Green Energy](https://www.p2p-banking.com/loantype/green-energy/)
- [SME](https://www.p2p-banking.com/loantype/sme/)
- [Pawn](https://www.p2p-banking.com/loantype/pawn/)
- [Exclude bonds&debentures](https://www.p2p-banking.com/loantype/exclude-bondsdebentures/)
- [Aggregator](https://www.p2p-banking.com/loantype/aggregator/)

## Security

- [Provision Fund](https://www.p2p-banking.com/security/provision-fund/)
- [Insurance](https://www.p2p-banking.com/security/insurance/)
- [Legal charge](https://www.p2p-banking.com/security/legal-charge/)
- [Asset in storage](https://www.p2p-banking.com/security/asset-in-storage/)

## ifisamore

- [Fee-free](https://www.p2p-banking.com/ifiamore/fee-free/)
- [Secondary Market (free)](https://www.p2p-banking.com/ifiamore/secondary-market-free/)
- [Transfer In (free)](https://www.p2p-banking.com/ifiamore/transfer-in-free/)
- [Transfer Out (charge)](https://www.p2p-banking.com/ifiamore/transfer-out-charge/)
- [Transfer Out (free)](https://www.p2p-banking.com/ifiamore/transfer-out-free/)
- [Sell-Out (charge)](https://www.p2p-banking.com/ifiamore/sell-out-charge/)
- [Bonus interest on cash balance](https://www.p2p-banking.com/ifiamore/bonus-interest-on-cash-balance/)
- [Flexible](https://www.p2p-banking.com/ifiamore/flexible/)
- [Secondary Market (charge)](https://www.p2p-banking.com/ifiamore/secondary-market-charge/)
- [Autoinvest](https://www.p2p-banking.com/ifiamore/autoinvest/)
- [Secondary Market allows premiums](https://www.p2p-banking.com/ifiamore/secondary-market-allows-premiums/)
- [Cashback*](https://www.p2p-banking.com/ifiamore/cashback/)
- [No investor type restrictions](https://www.p2p-banking.com/ifiamore/no-investor-type-restrictions/)
- [Sell-Out (free)](https://www.p2p-banking.com/ifiamore/sell-out-free/)
- [Member P2PFA](https://www.p2p-banking.com/ifiamore/member-p2pfa/)
- [Transfer In (charge)](https://www.p2p-banking.com/ifiamore/transfer-in-charge/)