Lending

Reasons to Invest

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Protection and benefits

Some sites have contingency funds to protect investors if borrowers default on loans.

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Higher rates of return

It’s possible to access a much higher rate of return than is currently available from other investments, such as deposit accounts or bonds.

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Flexible risk level

You can choose the level of risk you’re prepared to accept in terms of the profile of the borrowers you lend money to.

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Protection and benefits

Some sites have contingency funds to protect investors if borrowers default on loans.

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Higher rates of return

It’s possible to access a much higher rate of return than is currently available from other investments, such as deposit accounts or bonds.

Real Estate Lending

Investors often lend money to borrowers to develop real estate projects like flipping houses, commercial fit outs or other residential projects.

Avg Annual Returns

5 - 12%

Time Horizon

6 - 36 months

Small Business Lending

Money is borrowed by small business operators to help them grow their business.

Avg Annual Returns

4.5 - 11%

Time Horizon

12 - 60 months

Risk Analysis

An investor's Risk Score will be dependent on the loans selected to invest in. These can vary between lower and higher risk, with returns that reflect this. Many sites encourage investors to diversify their risk by spreading investment dollars across multiple borrowers. This way, you're less at risk of a single default taking out your entire investment.

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Compared to:

Real Estate

Moderate

33

Gold

Low

14

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