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 y 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 Alibaba.com trading platform.
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