Category: Background

Crowdfunding vs P2P lending

July 23rd, 2012
There has been a lot of coverage recently with a new peer-to-business concept called "crowdfunding".  Crowdfunding is similar in many ways to peer-to-peer (and peer-to-business) lending except that as a lender you are not "lending" your money.  In most… more »

Lies, damn lies and statistics

July 20th, 2012
We have all seen the advertisements “8.8% gross yield”, “earn 8.6% AER", "average gross rate was 10.4%", "returns typically above 8%", "average interest... 10.49%".  One of the reasons the P2P Money website came into existence was to provide a level com… more »

What defines P2P lending ?

July 17th, 2012
I was asked today the question what exactly defines peer-to-peer lending ? I would define peer-to-peer lending as follows: An arrangement made between two or more individuals (at least one borrower and at least one lender), arranged through an int… more »

P2P Money celebrates its first birthday

June 16th, 2012
P2P Money
Today the P2P Money website celebrates its first birthday.  The website was started life as the only independent source of information on peer-to-peer lending and borrowing in the UK, and today it still remains unique.  The site has grown to include int… more »

What makes a P2P company successful ?

June 15th, 2012
You may be surprised to read that there are no less than eleven peer-to-peer or peer-to-business companies currently or previously operating in the UK.  Of these, how many could you name ?  Zopa is by far the biggest and probably best well known company… more »