P2P Lending Update 2014

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BY : Diego GutiérrezFebruary Tue, 2015
In 2014 the P2P lending market has grown considerably and expectations for the coming year are even higher. The leading countries in the P2P market are the US and the UK. We wanted to analyse how the year went in these countries and the expectations for the sector.
crowdlending photoComunitae leads the Crowdlending sector in SpainThe leading company in the sector in Spain is ComunitaeSince opening in 2009, it has lent around €15m, with default levels below those of traditional banks. The average return is 8.17% for investors. Comunitae is transparent towards lenders and makes available to the public the statistics of the profitability of loans in the following way here.You can filter by year, by risk rating and by loan term.

Comunitae is considered by Forbes to be one of the most important Top10 P2plending platforms Europeans to highlight. Comunitae started its activity in 2009 as a pioneer in the sector in Spain and has continued to break new ground in 2014 with the launch of a new line for the discounting of promissory notes to SMEs.

According to a study by Loogic, ehe crowdlending market in Spain already has a minimum size (around €20 billion) to say that it is the right time to invest in the sector.

So far in 2015, this platform has already lent 12% of the total lent in 2014. This figure is key to understanding the market's growth momentum and its reflection in investor confidence.

P2P in Britain

Uk is one of the leaders in the sector, the country is the protagonist of the first P2p Lending platform, Zopa in 2005 and in November 2014 celebrated the third edition of the world's largest participatory finance event: Lendint Conference.

According to the P2PFA the money moved by P2P platforms in the UK in 2014 was over £2.1bn and 2015 is expected to reach £4.4bn.The organisation also revealed that the number of lenders increased by a third and borrowers by 90 %.

 Among the main platforms in the country is Zopa, Assetz, Funding circle, RatesetterCats, Archover and Funding Knight. If Great Britain was the pioneer in the creation of a crowdlending platform, it was also the first to create a platform for loans between high net worth individuals in need of immediate liquidity. Thus, in 2014, the following was born  HNW lending.

The year 2014 has also seen how traditional banking and P2P lending platforms can work together. Santander Bank and Funding Circle have signed a collaboration agreement, whereby Santander directs companies to the P2P alternative through letters and its website. In return, Funding Circle offers its customers Santander's banking support in their day-to-day business.

Crowdlending in the US

The US has been the major player in the P2P Lending sector in 2014 with companies such as  Lending Club, the first platform in the sector to go public. The personal lending platform for technology projects soared 56.6% on its first day on the stock market, rising from an initial $15 to $23.5.

In addition, Lending Club has signed agreements with large multinational internet-focused companies to expand its business, such as Google and Alibaba.
 Thanks to the agreement signed by Google and lending Club, companies associated to the Google network will be able to access loans offered by lending Club with very favourable conditions.

Alibaba has teamed up with Lending Club The agreement aims to finance purchases by US SMEs from Chinese suppliers. The Chinese e-commerce giant aims to attract more US companies to the trading platform.

Other posts that may interest you

P2P Lending attracts twice as much VC investment as crowdfunding

Crowdfunding for companies' working capital is born in Spain with Comunitae

BBVA puts crowdfunding in the spotlight

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