Whois & Analysis for ratesetter.com

Peer-to-peer lending, sometimes abbreviated P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders with borrowers.

Since peer-to-peer lending companies offering these services generally operate online, they can run with lower overhead and provide the service more cheaply than traditional financial institutions.

As a result, lenders can earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the match-making platform and credit checking the borrower.

there is the risk of the borrower defaulting on the loans taken out from peer-lending websites.

RateSetter is a British peer-to-peer lending company, originally based in Southwark, London.

The company is known for having introduced the concept of a "Provision Fund" into peer to peer lending.

Launched in October 2010, the company has matched more than £1.75bn in peer to peer loans and has over 1,000,000 registered users.

An investor allocates capital with the expectation of a future financial return.

Types of investments include: equity, debt securities, real estate, currency, commodity, token, derivatives such as put and call options, futures, forwards, etc.

This definition makes no distinction between those in the primary and secondary markets.

That is, someone who provides a business with capital and someone who buys a stock are both investors.

An investor who owns a stock is a shareholder.

A debtor is an entity that owes a debt to another entity.

The entity may be an individual, a firm, a government, a company or other legal person.

The counterparty is called a creditor.

When the counterpart of this debt arrangement is a bank, the debtor is more often referred to as a borrower.