Free E-Book: Understanding Peer to Peer Lending

Understanding Peer to Peer Lending ebook coverI get a ton of questions from readers who are new to peer to peer lending. There really hasn’t been an up to date and independent resource available where people can find out about the basics of peer to peer lending. Well, now there is.

I have just finished writing a new ebook titled, Understanding Peer to Peer Lending. It is not really the encyclopedic volume suggested by the graphic, it is just 13 pages long, so it is a quick read.

The ebook is completely up to date with statistics that are current through the end of March. There is a lot of new content including sections about the history of p2p lending, why it is becoming so popular, and guides for borrowers and investors.

I intend to be updating this ebook every quarter so there is always an up to date resource for the many new people who want to find out more about peer to peer lending.

If you subscribe to the Social Lending Network via email you should have already received notice about the publication of this book. If you would like a copy then you can just fill out the email box at the top of this page. This will also subscribe you to the regular blog updates via email. Alternatively, you can just fill out the form below with your email address.

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Peter Renton is the chairman and co-founder of LendIt Fintech, the world’s first and largest digital media and events company focused on fintech.

LendIt Fintech conducts three conferences a year for the leading fintech markets of the USA, Europe, and Latin America. LendIt also provides cutting-edge content all year long via audio, video, and written channels.

Peter has been writing about fintech since 2010 and he is the author and creator of the Fintech One-on-One Podcast, the first and longest-running fintech interview series.

Peter has been interviewed by the Wall Street Journal, Bloomberg, The New York Times, CNBC, CNN, Fortune, NPR, Fox Business News, the Financial Times, and dozens of other publications.

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Apr. 9, 2011 8:37 am

Thank you Peter. I find great value in this site, and look forward to reading your e-book.

Apr. 9, 2011 2:08 pm

Interesting e-book. I did notice something strange though. In your book it says that Lending Club requires that, as an investor, that I have an annual gross income of over $70,000. I do not make anything near that much money, but Lending Club accepted me anyway. Has there been a change in policy? I joined LC in Dec ’10 so it wasn’t that long ago. And I assure you, when I joined, I did not fudge any numbers anywhere.

Apr. 9, 2011 3:03 pm

Peter – No worries. We are actually making good progress with We are flying under the radar for now and closing real estate loans on a fairly regular basis. Grass roots efforts are driving both lenders and borrowers to our site. Private lenders are enjoying 10-11% returns on lower-risk real estate loans typically below 60% LTV….and borrowers are getting loans they cannot get elsewhere. Once we are ready to blow it up, we will reduce the investment requirement and get back in the public eye. I sincerely appreciate the great work you are doing on this site….I find it to be extremely helpful.

Dan B
Dan B
Apr. 9, 2011 9:04 pm

@Peter……….It is a regulatory requirement to notify investors that the investment may be potentially unsuitable for them………. due to the fact that it’s classified as a high risk investment. In that regard it’s not that different from investments like real estate partnerships, junk bonds, etc that also have suitability guidelines. I don’t believe that it’s a matter of enforcement but rather a matter of notification. And then there’s the section that allows for investments of $2500 or under regardless of whether one meets any of the requirements,

Dan B
Dan B
Apr. 11, 2011 8:31 am is something that I follow with interest as I live in California & am curious to see how they evolve. It’s clear that at this time they’re setting the entry bar rather high. I think it’s safe to say that $25 free accounts are NOT going to be part of their future plans to induce investors!

Dan B
Dan B
Apr. 11, 2011 2:58 pm

I agree, after all 10-11% on a 1-3 year secured note is pretty damn solid in all scenarios short of a high inflation one.

Financial Samurai
Sep. 4, 2011 8:58 am

Hey Peter – Thanks for participating in our first #YakChat. I’m writing a post review of what we learned. Care to e-mail me some points for inclusion? Can you shoot over your P2P e-book too?

thx man,


Leon Capsouto
Leon Capsouto
Jan. 1, 2015 9:45 am

Dear Peter,
I owned a mortgage company for many years in OR and Washington and made many personal loans to builders by taking a first position on the property so I am very familiar
to that concept , I have not read your book yet and intend to I believe the concept is
a good idea specially if you are registered as a bank and charge a point to the lender
and a point to the borrower, one more point I would not take on lenders with less then
a 100.000 in cash assets.
Regards Leon