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Peer to peer lending is direct investment without involvement of any financial institute. Commonly peer to peer lending is done through online platform. Both lender and buyer are matched on the platform and then the loan proceeded. Peer to peer lending offers both types of loan secured loan and unsecured loan. How does p2p lending work? •              Peer to peer lending is very easy process and has enhanced features. All transactions are recorded and the money is sent through an online platform. •              Potential buyer interested to borrow loan have to fill the application on an online peer to peer lending platform. •              Peer to peer lending receive the application then determine the risk factor and then make decision. •              When application is approved then the applicant can receive available option •              After that applicant decides on which option they prefer.

The first rule of investment is not to put all your eggs in the same basket. Don’t go big on one project, instead learn to diversify. There are a lot of peer to peer funding providers in the market, offering a wide range of products. To earn more and reduce the risk, you need to spread your investment funds. It is a significant tool as risk is inevitable with investment. When you decide to invest, you should spread your money across different businesses and sectors in order to reduce your exposure to risk. This way even if one borrower defaults on their loan repayment, you will have others to fall back on. It’s better to lose some then all of your money.  Further, other than investing, you can also buy and sell existing loans or part of loans to other investors; this is how you can increase your range of investments. Some investors who sell loan parts might also make a bit of profit by setting a higher interest rate. Most of the peer to peer funding platforms provide two options for i

  Peer to peer lending is a type of direct lending of funds to consumers and small businesses without the participation of an intermediary in the process. Generally, p2p lending is done using an online platform which matches borrowers with lenders. This type of alternative finance offers some great benefits to both lenders and borrowers. Advantages High returns for investors :   p2p platform typically offers high returns to investors compared to other types of investments.  An accessible source of funding:  this alternative platform is more affordable for some borrowers compared to traditional loan providing financial institutions. The reason could be the low credit score of the borrower or a particular loan purpose. Low interest rate for borrowers:  because of intense competition, these peer to peer loans have a low-interest rate and origination fee. While, peer to peer lending has its benefits, there are a few drawbacks to this as well: No Government protection or insurance : peer

Innovative Finance ISA or IFISA was launched in 2016. The UK government launched this after recognising the popularity and growing demand of alternative types of investments. This type of savings account allows you to invest in peer to peer lending. All investor, whether experienced or beginner, can access IFISA and enjoy returns at a high-interest rate. Before people only knew about traditional ISA (Individual Savings Account) which allows individuals to save tax-free funds up to £20,000 for 2020/21 per tax year. The ISA allowance generally remains the same. Hence it provides a good opportunity to grow funds without having to pay taxes. In the past, there were only two ISA types available for investors, including cash ISA and stocks & shares ISA. With cash ISA the interest rate is only good for the first year, and then investors have to change providers to get good interest rates. Innovative Finance ISA is a new type of ISA which allows individuals to put their p2p investment in a

In the UK, there are four types of ISA available including cash ISA, stocks & shares ISA, Lifetime ISA and the Innovative Finance ISA or IFISA. An IFISA is an alternative to a traditional savings account. This type of saving account allows you to hold bonds, peer to peer loans, debentures and loan notes. It is available through online platforms that offer other ISA products. An Innovative Finance ISA has a tax-free wrapper, and offered high fixed interest rates ranging between 4% and 7.25$ p.a. Any interest earned through this savings account is never taxed. The annual allowance for ISA is £20,000. In the UK every adult is allowed to invest maximum £20,000 in an IFISA for the tax year of 2020/21. You can also diversify your investment by splitting the funds of annual ISA allowance between different ISA types. However, each individual is only allowed to open one new ISA account in each tax year, such as only one stock and share ISA, one cash ISA, one Innovative Finance ISA and one L

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