kentemad

kentemad

Beware of little expenses. A small leak will sink a great ship.

Posted by kentemad on in P2P Lending

p2p lending safe

Anyone who has lent a friend 20 dollars because they forgot their wallet has given a peer-to-peer loan. Peer-to-peer lending is simply a way that people with money can lend it to people who need money without going through the traditional process of depositing the money in the bank, earning interest from the bank, then having the bank lend the deposit money out at a higher rate of interest.

Today’s peer-to-peer lending systems frequently involve middlemen who aggregate investors and connect them to borrowers. Although the middleman earns profit for the role that they take, their spread is significantly less than the differential that banks charge between deposit rates and loan rates.

...

Posted by kentemad on in Impact Investing

What is Social Lending

Social lending is a type of borrowing, quite different to the normal personal loans and credit cards offered by financial institutions. Although it does involve a loan, it is not monitored by a traditional financial institution. It sounds like it could be a loan from someone you know and in a sense it is similar to that.

The personal loans are usually provided through a company, but they are not a financial one. The company just acts as a mediator between the lender and the borrower. Often, the lender and the borrower might know each other and they use the peer lending company to make sure that things are sorted out properly with regards to the repayment terms. Sometimes the lender and borrower just know each other through a social networking site or in some cases they do not know each other.

...

Posted by kentemad on in P2P Lending

Online P2P Lending for Bad Credit

Are you in dire need of urgent capital to embark on a highly promising business endeavor, but all traditional banks and even the leading peer-to-peer lending platforms are not willing to offer you a loan because of your bad credit score?

Are you caught up in an endless infernal spiral of debt begging more debt and plunging you deeper and deeper into a financial abyss? Well, cheer up! All is not lost. There are peer to peer lending bad credit sites that offer hefty peer-to-peer loans for bad credit (in some cases, up to 35000 USD) even to small business owners or online sellers with very bad credit scores (in some cases, as low as 580).

...

Posted by kentemad on in P2P Lending

Best Peer to Peer Sites In The US

More and more consumers want to cut out Banks and credit card companies and lend directly to each other. Peer-topeer lending is one form of crowd financing and investment used to finance loans that are repaid with interest.

Peer-to-peer lending allows potential borrowers to request loans from other individuals and set the terms of these loans. Potential lenders then have the option to fund the loan or not, taking on the potential for reward that comes with lending money. Generally speaking, peer-to-peer lenders and borrowers meet through a peer-to-peer lending website.

...

Posted by kentemad on in Impact Investing

impact investing

There has been a long existing, alleged trade-off between return on investment and allocation of financial capital towards positive environmental and/or social impact. Investing doesn't need to be so one sided. The world witnesses do investors that are good, pursuing a strategy called Impact investing today.

According to the Global Impact Purchasing Network - a 501 organization dedicated to increasing the growth and efficiency of impact investing - impact investments are:

...