P2P Lending: Peer-to-Peer Loans as Investment
P2P lending is similar to crowdlending but between individuals. Platforms like Mintos or Bondora connect lenders and borrowers.
Returns
Promised gross returns 8-15%. Reality after defaults: 5-10% net.
Main risks
More frequent defaults than corporate crowdlending, unstable emerging markets, platform problems (Bondora Go&Grow unilateral changes). No capital guarantee.
Comparison with matched betting
P2P generates 5-10% annual on capital. Matched betting generates $300-500/month on minimal rotating bankroll. For starters, matched betting is 10-20x more efficient in early months.
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