What is peer-to-peer lending (p2p)?

Peer to peer, p2p or Crowdlending, is a opportunity to lend money to individuals or businesses through a online platform. This is normally done by a privat company that runs the platform and collects loans from lending companys. This way they bypass the normal banks and financial institutions.

Insted of just one bank making a loan, investor get together to finance it in other words p2p platforms connect borrowers to lenders. All in all they operate at a rather cheap margin if you compare them to traditional banks. P2p platforms offers a lot higher returns on investments compared to financial institutions and are in my perspective an addition to real estate, stocks or bonds

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