Services

P2P lending

Peer-to-peer lending, also known as P2P lending, is the practice of lending money to individuals or businesses through an online platform which connects lenders/investors with borrowers.

Key Features:

• Easy Interface: Operate Online, Management of Funds is easier
• Reduced Costs: Help save on traditional middlemen / intermediation charges/fees/costs
• Higher Returns: Enable investors earn better/higher returns with lower risks
• Lucrative Lending Rates: Enable borrowers borrow money at lower rates
• Why invest through a P2P lending platform

P2P Lending is interesting because it is like a fixed-income investment but is not co-related to equity or debt markets. Fixed-income investments mean that the terms of the investment are pre-fixed. For Eg: The duration of an investor’s investment could be 1 years ; the interest rate or return one investor should be making is also pre-fixed and it is agreed in the loan agreement that an investor signs with the borrower (Can range from ~4-15% internationally and in India it ranges from 08 - 48% p.a

Why should You Look at Select P2P Platforms?

1. Un-correlated Asset Class
   • Investment opportunity has NIL Correlation to Equities or Debt markets
   • Acts as a source of true diversification, reducing overall risk and volatility in each investors portfolio


2. High Quality Portfolio
   • Exposure to Safe Retail Debt Portfolio: Across time frames, prime retail loan books i.e. loans to retail borrowers (Avg. 700+ credit score) have had lower NPAs and better recovery than corporate/wholesale loan books
   • Lending to Diversified Sectors via Multiple Partners: Lending to borrowers availing services across different sectors diversify risks of lending
   • Granular Loan Book: Average ticket size per borrower is lower than INR. 50,000 thus ensuring granular exposures; high predictability and stability of underlying performance


3. Low Risk
   • No Counter Party Risk: Investor/Lender funds flow through a ring-fenced mechanism via an Escrow account managed by a PSU Bank Trustee ensuring no counterparty risk of the P2P Platform
   • No Interest Rate Risk: The investment carries no interest rate risk as borrower ROIs are fixed at the origination of the loans
   • Low Concentration Risk: The lender via auto invest criteria can select loans and disburse funds via auto invest in a manner that less than Avg. 2% allocation is to one borrower

In collaboration with LIQUILOANS, we offer an investment platform that offers curated investment opportunities in alternate investment products with a low minimum investment amount and fixed returns

To start investing in P2P lending, please click on the link shared below or call/WhatsApp us on 9830859375
https://liquiloans.com/investor/register/aM324iy1