Learn P2P lending

Plain-language guides on how P2P lending works, what realistic returns look like, and what can go wrong.

Quick tips

·Start small ($1,000–5,000) until you understand a platform’s reporting and withdrawal cycle.
·Diversify across loan grades, platforms, and origination cohorts — single-loan concentration is the dominant risk.
·Track net return (after fees and defaults), not gross interest rate.
·Reinvest in the first 1–2 years to maximise compounding; switch to withdrawals once the portfolio is mature.
·Keep an emergency fund outside P2P — these positions are not liquid.
·Save year-end statements for tax; interest income is generally ordinary income.

What P2P lending is, how loans flow from investor to borrower, and what a first investment actually involves.

Personal, business/SME, real-estate-backed, invoice factoring, and ESG loans — how they differ in return, term, and default behaviour.

Default risk, platform risk, liquidity risk, currency risk. Where they come from and what reduces them.

Tracking performance, rebalancing across grades and platforms, and exit strategies for an aging portfolio.

Snapshot of the 2025 market — kept for reference. Includes regional growth figures and the AI-underwriting trend.

15 min readSoon

Side-by-side review of major P2P platforms and how to pick one.

8 min readSoon

Realistic net-return ranges by loan grade and what historical data tells us about cohort performance.

20 min readSoon

Federal and state tax treatment of P2P interest income, with record-keeping basics.

16 min readSoon

European platforms (Mintos, Bondora, PeerBerry), currency risk, and cross-border tax considerations.