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User:Mattmill30/Comparison of peer-to-peer lending companies

A comparison of the peer-to-peer lending companies:

Organisations

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Organisation
name type ¤ market presence (∑ loaned) members status Loan
borrowers lenders market approval security
Assetz Capital Ltd. £ £50 million[1] ? ? Active Small business / Property developers (U.K.)[2] Assetz Capital criteria Asset collateral
BTCJam Inc. Ƀ Ƀ27 thousand[3] ? ? Active Bitcoin lending (Global)[4] Asset collateral
CommonBond $ ? ? ? Active Student finance (U.S.)[5] ? ?
Dianrong.com ¥ ¥108 million ? ? Active Personal finance / Small business (Chinese) debt:income ?
Energy in Common NFP $ ? ? ? Inactive Renewable energy (Global)[6] ? ?
Funding Circle Ltd. £ ∨ $ £425 million[7] ? 35k[7] Active SME (U.K. ∨ U.S.) [8] Funding Circle criteria[9] Diversified lending; asset collateral[10]; insolvency creditor[10]
Grameen America NFP $ $198 million[11] 37k[11] ? Active Women-owned business (U.S.)[12] debt:reliability peer-group lending[13]
Harmoney Ltd. $ ? ? ? Active Personal finance (N.Z.)[14] credit check[15] Diversified lending, asset collateral[16], legal creditation[16]
Kiva (organization) NFP $ $499 million 1m 1m Active Women-owned business / renewable energy / higher education (Global) trustees none
Lendico € ? ? ? Personal finance Lendico criteria ?
Lending Club Inc. $ $5 billion ? ? Personal finance Lending Club criteria ?
Lending Works Ltd. £ ? ? ? Personal finance ? PPI
Milaap £283 million[17]

Loans

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Organisation
name type ¤ market Lending Borrowing
fee rate (%) premium (%)
registration setup add. admin. overdue Grade A Grade B Grade C Grade D Grade E Grade F Grade A Grade B Grade C Grade D Grade E Grade F
1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5
Assetz Capital Ltd. £ Small business / Property developers (U.K.)[2] ? ? ? ? ? ?
BTCJam[18] Inc. Ƀ Bitcoin lending (Global)[4] — — — — 5% v Ƀ≡$15 Borrower set 1% ∨ 4% (∑Loan<5Ƀ)
CommonBond   $ Student finance (U.S.)[5]                                                                                                                                  
Dianrong.com   ¥ Personal finance / Small business (Chinese)                                                                                                                                  
Energy in Common[19] NFP $ Renewable energy (Global)[6] — — — — — —
Funding Circle Ltd. £ ∨ $ SME (U.K. ∨ U.S.) [8]                                                                                                                                  
Grameen America NFP $ Women-owned business (U.S.)[12]                                                                                                                                  
Harmoney     Personal finance (N.Z.)[14]   1.25% $300 $15 $30-$75pm 9.99 11.46 12.63 12.63 13.25 13.84 14.49 15.16 15.80 16.48 17.15 17.88 18.59 19.35 20.03 20.59 21.41 22.14 22.96 23.81 24.66 26.00 27.18 28.62 30.36 31.88 33.93 36.01 39.61 39.99 2 3 4 5 5 5 5.5 6 6
Kiva (organization) NFP $                                                                                                                                  
Lendico   €                                                                                                                                  
Lending Club Inc. $                                                                                                                                  
Lending Works Ltd. £                                                                                                                                  
Milaap                                                                                                                                      

References

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  1. ^ Andrew Holgate (10 November 2014). "Assetz Capital passes £50m in peer-to-peer lending". Assetz Capital.
  2. ^ a b "Assetz Capital about us". Assetz Capital.
  3. ^ Gustavo Guida Reis (8 October 2014). "Public statement". BTCJam.
  4. ^ a b "About Us - BTCJam". BTCJam. Archived from the original on 2014-10-31.
  5. ^ a b "CommonBond how it works". CommonBond. Archived from the original on 2014-06-28.
  6. ^ a b "About EIC - Energy in Common". Energy in Common. Archived from the original on 2014-08-31.
  7. ^ a b "Funding Circle - Marketplace Performance". Funding Circle. {{cite web}}: |archive-url= is malformed: timestamp (help)CS1 maint: url-status (link)
  8. ^ a b "Funding Circle: Loan Types and Criteria". Funding Circle. {{cite web}}: |archive-url= is malformed: timestamp (help)CS1 maint: url-status (link)
  9. ^ "Who can apply for a loan? : Funding Circle". Funding Circle. {{cite web}}: |archive-url= is malformed: timestamp (help)CS1 maint: url-status (link)
  10. ^ a b https://support.fundingcircle.com/entries/22555011-What-happens-if-a-borrower-becomes-insolvent-before-repaying-a-loan-. {{cite web}}: Missing or empty |title= (help)
  11. ^ a b "Impact: Grameen America". Grameen America. Archived from the original on 2014-08-26.
  12. ^ a b "About Us: Grameen America". Grameen America. Archived from the original on 2014-09-14.
  13. ^ "Model: Grameen America". Grameen America. {{cite web}}: |archive-url= is malformed: timestamp (help)CS1 maint: url-status (link)
  14. ^ a b "Rates and Fees : Personal Loans : Peer-to-Peer Loans : Harmoney". Harmoney. {{cite web}}: |archive-url= is malformed: timestamp (help)CS1 maint: url-status (link)
  15. ^ "Borrower FAQs - Personal Loans information - Harmoney". Harmoney. {{cite web}}: |archive-url= is malformed: timestamp (help); |section= ignored (help)CS1 maint: url-status (link)
  16. ^ a b "Investor FAQs : Harmoney". Harmoney. {{cite web}}: |archive-url= is malformed: timestamp (help); |section= ignored (help)CS1 maint: url-status (link)
  17. ^ Piers Garthwaite (26 September 2014). "We've hit £250 million!". MarketInvoice.
  18. ^ "Rates && Fees - BTCJam". BTCJam. Archived from the original on 2014-10-31.
  19. ^ "FAQ - Energy in Common". Energy in Common. Archived from the original on 2014-08-30.
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