User:Mattmill30/Comparison of peer-to-peer lending companies
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A comparison of the peer-to-peer lending companies:
Organisations
[edit]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
[edit]Organisation | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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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
[edit]- ^ Andrew Holgate (10 November 2014). "Assetz Capital passes £50m in peer-to-peer lending". Assetz Capital.
- ^ a b "Assetz Capital about us". Assetz Capital.
- ^ Gustavo Guida Reis (8 October 2014). "Public statement". BTCJam.
- ^ a b "About Us - BTCJam". BTCJam. Archived from the original on 2014-10-31.
- ^ a b "CommonBond how it works". CommonBond. Archived from the original on 2014-06-28.
- ^ a b "About EIC - Energy in Common". Energy in Common. Archived from the original on 2014-08-31.
- ^ a b "Funding Circle - Marketplace Performance". Funding Circle.
{{cite web}}
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is malformed: timestamp (help)CS1 maint: url-status (link) - ^ a b "Funding Circle: Loan Types and Criteria". Funding Circle.
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is malformed: timestamp (help)CS1 maint: url-status (link) - ^ "Who can apply for a loan? : Funding Circle". Funding Circle.
{{cite web}}
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is malformed: timestamp (help)CS1 maint: url-status (link) - ^ 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) - ^ a b "Impact: Grameen America". Grameen America. Archived from the original on 2014-08-26.
- ^ a b "About Us: Grameen America". Grameen America. Archived from the original on 2014-09-14.
- ^ "Model: Grameen America". Grameen America.
{{cite web}}
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is malformed: timestamp (help)CS1 maint: url-status (link) - ^ a b "Rates and Fees : Personal Loans : Peer-to-Peer Loans : Harmoney". Harmoney.
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is malformed: timestamp (help)CS1 maint: url-status (link) - ^ "Borrower FAQs - Personal Loans information - Harmoney". Harmoney.
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ignored (help)CS1 maint: url-status (link) - ^ a b "Investor FAQs : Harmoney". Harmoney.
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ignored (help)CS1 maint: url-status (link) - ^ Piers Garthwaite (26 September 2014). "We've hit £250 million!". MarketInvoice.
- ^ "Rates && Fees - BTCJam". BTCJam. Archived from the original on 2014-10-31.
- ^ "FAQ - Energy in Common". Energy in Common. Archived from the original on 2014-08-30.
External links
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