Category: Private

Why Is Diversification so Important in P2P Lending?

P2P Diversification in P2P Investing represented by mixed spices

In 1952, Harry Markowitz, the Nobel Prize winning economist, described diversification as the ‘only free lunch’ when investing. Within P2P lending, diversification, after all, is the only way that investors can reduce the risk characteristics of their portfolio without reducing the portfolio’s return expectations. It’s easy to think about why this is the case: Imagine… Read more »

RateSetter Review: Loan Book Analysis

Ratesetter review professionally analyses the peer-to-peer lender's alternative finance rates, returns, defaults and loan book breakdown, plus more.

RateSetter Review Founded in 2010, RateSetter is a peer-to-peer lending (“P2P”) platform that matches investors with individuals, business and property related borrowers. RateSetter’s market share stood at 21% in 2016 (check out Orca’s industry data), making it one of the “Big Three” platforms in the UK, alongside Zopa and Funding Circle. It has lent £2bn cumulatively since formation RateSetter reports a… Read more »

Scalable Capital Review: Loan Book Analysis

Scalable Capital p2p peer to peer review

If you are new to investing and want the hassle removed from allocating capital, or you want to move away from your traditional financial advisor (FA), a robo-advisor like Scalable Capital (Scalable) could be a sensible option for preserving or generating your wealth over the long-term. ‘to provide a wide group of investors with access… Read more »

How Orca Gets Paid

At Orca, we believe in providing investors and advisers with a service which is independent and unbiased. We feel it is important for our users to trust in our service and also gain confidence in peer-to-peer lending (P2P).   This is why we have made the Orca Platform free until September 2017 while it is… Read more »

5 Reasons to Invest in Peer-to-Peer Lending

The very aim of peer-to-peer (P2P) lending is to provide a platform where borrowers and lenders (investors) can be matched directly. P2P lending is a type of loan which requires individuals to invest capital in order to create loans for the borrowers. As the industry becomes a more mainstream asset class it’s important to compare… Read more »