P2P lending (person-to-person lending) is the direct issuance of loans from a creditor to a borrower without the participation of traditional financial institutions. This service is provided by specialized platforms where the user can act both as a lender and as a borrower. Borrowers get cheaper loans (the cost of lending platforms is lower than that of banks), and investors get access to direct investment in loan portfolios at more risk-friendly rates than bank deposits / bonds.
What are the platforms and types of P2P loans?
The first P2P lending platforms (Prosper, Lending Club) appeared in 2006 in the USA. The volume of loans issued through the Lending Club by 2018 amounted to more than $41 billion. The P2P lending market is among the most growing financial sectors (50% annual growth in the last 10 years). At the moment there are many platforms in the USA, Europe and Asia with track record accumulated over several years (Lending Club, Funding Circle, Prosper, Daric, Social Finance, Zopa, Avant, onDeck Capital, RateSetter, Kabbage, Mintos, etc.)
Alphatek Advisors is an alternative investment platform
The proposed investment strategies, such as Smart Beta, Pure Alpha, P2P loan portfolio are based on years of research and development of our team, have a long track record and outstanding risk-return characteristics, and presented for the first time in the Russian market for retail clients. Our priority is to find and select the most promising and profitable strategies for creating an investment portfolio.