Get informed about peer-to-peer (P2P) marketplace lending.

What is Marketplace Lending?

A marketplace that matches borrowers with investors.Value

Marketplace Lending Growth

More than $1.5 billion of new loans have been originated in the past 3 months through P2P marketplace lending.growth

Source: Lending Club, Prosper, Funding Circle, Zops, Rate Setter, Libertum

P2P Asset Classes and Platforms

Here are asset classes that P2P lending touches.Asset classes

Yield comparison: then and now

Over 25 years, what has changed and what has remained the same?History

Source:  U.S. Federal Reserve

Consumer Loan Statistics

Since 1990, gross yield on U.S. credit card debt has ranged between 12%-15% with delinquencies ranging from roughly 2%-6.5%.

Fed Reserve Credit Card Debt

Credit Card Yields and Losses

Since 1985, banks have received an average of 9.18% of net yield on their consumer credit investments.Credit Card Averages

Source:  Federal Reserve

*Avg. credit card interest rate – credit card charge-off rate = estimated lending spread on consumer credit (1985 to 2013)

The ETHOS Advantage

Where do you start?  Have more questions?  Investing is marketplace lending is easier when you know the right path, and ETHOS helps you to get started in a responsible way.  We love answering questions, and helping investors find predictable high yielding short term instruments to incorporating into their portfolios.

Download our free Guide below to get started.

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