P2P or Peer to Peer lending is also known as social lending or crowd lending. This type of crowd funding investment has the investors who co-finance the projects by lending money in return of the interest. This Peer to Peer lending provides a high return on investment (about 12 to 14%), diversified portfolio, spreads risk, flexible investment and withdrawal duration, and low entry investment amount. The peer-to-peer lending platforms offer you the direct access to the consumer credit market.

Matching of P2P lending online:

When an online platform matches lender with companies or people who need to borrow money, the P2P lending occurs. From auto loans to home renovations, and debt consolidations, there are many other reasons for which people use P2P services. P2P websites like Revenueland have far better options and interest rates offered by a bank. At these sites, there is a maximum possibility of finding someone who can lend you funds at an acceptable rate.

Key risks of P2P lending:

With many benefits and flexibilities, there are few risks also associated with P2P lending. The key risks are:

·        The bankruptcy of loan originator:

Loans offered by different loan originators on some P2P sites have risk of loan originator bankruptcy. If the website offers the loans that they have vetted themselves, the risk converts into platform bankruptcy. This is a situation that is quite rare. Still, in case of default, the P2P platform or your lawyer tries to recover the investment using standard bankruptcy procedure.

·        Money drag:

It is the latest and most common risk that is associated with crowdlending. When the lending platform finds not enough loans matching, you may be at risk of having money in an account that generates zero returns. You cannot call it a disaster, but investing money at 0% interest is not an excellent option too.

·        Geo-political and economic situations:

Political and economic changes impact P2P lending directly. How the political scenario of a country emerges or how the global financial crisis impact the stability and economy of a country directly deals with P2P lending. In this situation, you probably cannot do anything.

·        Borrower default:

Investing in P2P lending means, you are obviously giving a loan to some person or business. However, there is always a risk involved that borrower might not be able to pay you back the loan. If this defaulting happens, you get nothing or some part of the loan back with no interest. The best option is to select a P2P lending platform that offers a buyback guarantee.

·        Psychological and ethical concerns:

P2P lending is not a risk-free investment you always have a risk of losing your interest or profit. The lack of transparency may also cause some psychological doubts of losing your money or profit. This risk is also not very common, and by finding a reputable P2P lending site like ‘’RevenueLand’’ assures 100% ethical risk-free lending.

Revenueland:

This online platform offers you smarter ways to invest online and maximize the use of some passive income tools to earn money. Revenueland is with low volatility of P2P lending, and about 95% of the investors make profit steadily.