P2P Lending
Peer-to-peer (P2P) lending enables individuals to obtain loans directly from other individuals, cutting out the financial institution as the middleman.
P2P lending is also known as social lending or crowdlending. It has only existed since 2005, but its gaining popularity now a days.
P2P lending websites connect borrowers directly to investors. The site sets the rates and the terms and enables the transaction. Most sites have a wide range of interest rates based on the creditworthiness of the applicant.
First, an investor opens an account with the site and deposits a sum of money to be dispersed in loans. The loan applicant posts a financial profile that is assigned a risk category that determines the interest rate the applicant will pay. The loan applicant can review offers and accept one. (Some applicants break up their requests into chunks and accept multiple offers.) The money transfer and the monthly payments are handled through the platform.
The process can be entirely automated or lenders and borrowers can choose to haggle.
Some sites specialize in particular types of borrowers. Right Mutual Fund Investment is designed for small businesses. Kindly contact us to more and get started.
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