Peer-to-peer lending

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P2P lending risks Consumer P2P lending P2P lending platforms Business P2P lending

P2P platforms quote average returns before defaults and fees Passive income that puts your name on a loan is not passive at all Platform failure is the P2P risk investors underestimate most One default on a 36 month note wipes out interest from a dozen good ones Accredited investor rules shut retail investors out of the higher yielding P2P funds LendingClub and Prosper notes are uninsured and carry no guarantee Fractional notes spread 200 dollars across borrowers but not across platforms Liquidity in P2P depends on a secondary market that dries up in a downturn Auto invest settings quietly concentrate an account in the newest loan vintage Reinvesting repayments into new notes is the only way a P2P balance compounds Recovery rates on charged off notes run far below the headline loss figures Borrower grades come from the platform's own model not from a rating agency How much of a P2P portfolio should sit in a single loan grade

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