The peer-to-peer business model works on the premise of playing matchmaker between Individual organizations with a service or with capital to offer and others who could use that service or are in need of investment funding. We play a leading role in matching investment organizations with entrepreneurs with viable and feasible business plans which are self-sustaining in the long run.
The partnership between our clients and potential investors and us as well is a symbiotic relationship where we share the value creation. Our Peer-to-Peer platforms connect clients to investors with attractive interest rates. For Investors, the loans generate income in the form of interest, In addition, an investor is able to earn a higher return on his investment than he can get from the stock market through the interest payments he receives monthly from the client.
Peer-to-Peer financing gives the client access to financing that they may not have gotten approval for from standard financial intermediaries. Furthermore, a client gets a more favorable interest rate on her loan than one she would otherwise have gotten from a bank.
We provide the platform which pairs clients and individual Investors. For Individuals and businesses that need funding for commercial projects and ventures, we will assess their credit risk, determine a credit rating, and apply an interest rate to their profiles.
The interest rate charged for borrowed funds depends on the Economic/Financial climate at the particular time, the grade or amount of funding needed, the viability and feasibility of the project at hand, the risk ratings and most importantly the credit worthiness of the client.