Category: Background

Is RateSetter a bank?

January 30th, 2014
We recently received a question from one of our readers about peer-to-peer lending: I have lent money on a variety of P2P platforms but mainly on Zopa and Ratesetter.  It never occured to me to look at the borrowing side of these sites until today.  … more »

Estimated return after bad debt

January 23rd, 2014
P2P Money
There are several "reputable" websites now trying to publicise peer-to-peer lending.  These sites are showing a figure for "estimated return after bad debt".  Unfortunately it is not possible to calculate this figure unless you know the tax rate for the… more »

RateSetter take on zombies

January 13th, 2014
RateSetter have declared war on zombies.  Not the undead, you may be pleased to read, but the type that are all too common these days.  The type that you may well have yourself.  It started life as something decent, something you were glad to have, but… more »

Lender investigates SavingStream

January 3rd, 2014
Saving Stream
Peer-to-peer lending simply facilitates loans between lenders and borrowers, but it is the lender's money at risk, so it is interesting to see that some lenders are going above and beyond performing their own checks on new P2P companies. One lender has… more »

Companies exiting P2P market

December 15th, 2013
With no less than thirteen new peer-to-peer companies launching in 2013, there are two companies that have effectively exited the P2P market this year.  These companies are Encash (YES-secure) and Encash has only arranged three loans in 20… more »