Peer to peer, p2p or Crowdlending, is an opportunity to lend money to individuals or businesses through an online platform. This is normally done by a private company that runs the platform and collects loans from lending companies. This way they bypass the normal banks and financial institutions.
Instead of just one bank making a loan, the investor gets 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 offer a lot higher returns on investments compared to financial institutions and are in my perspective an addition to real estate, stocks or bonds