EN · United StatesLaunch a P2P
lending marketplace
Borrowers, investors, ratings and payouts in one system — with ready modules, integrations and portals.
Connects to 1,700+ services out of the box
How it works
From the listing to
the investor payout
Four steps, one system. Borrowers, investors and your team see the same loan.
- 01ApplyBorrowers apply online; the application becomes a listing.
- 02VerifyID, anti-fraud, credit bureaus and sanctions run in one pass.
- 03Rate & listScoring sets a rating and rate, then the loan goes live.
- 04Fund & pay outInvestors fund it; repayments flow back to their accounts.
Working with borrowers and investors
Tools for
both sides of the marketplace
Borrowers raise funds and investors build portfolios in the same system.
Onboarding for both sides
Borrowers and investors sign up online, and a half-finished profile waits for them.
Updates for both sides
Funding progress, repayments and payouts reach borrowers and investors automatically.
Investor rewards
Bonuses for referrals, promo codes for first investments and manual adjustments.
Borrower and investor portals
Borrowers repay or refinance, investors top up, withdraw or sell loan parts.
Agreements generated
Loan, assignment and investor agreements are created and signed automatically.
Decisioning
Ratings investors
can rely on
Borrowers are checked and scored before listing. Every rating shows the data and rules behind it.
- Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
- Transparent ratingsInvestors see why each loan got its grade.
Checks and payments
Checks for both sides and marketplace payments
Borrowers and investors are verified, and money moves through segregated accounts.
Client checks
Borrower and investor checks:
- Anti-fraud servicesDevice and multi-account checksPass
- Identity verificationID, selfie and liveness for both sidesPass
- Credit bureausBorrower credit historyPass
- Government registriesID, tax and sanctions listsPass
- Investor suitabilityExperience and investment limitsReview
- Source of fundsBank data and AML screeningAuto
Payment infrastructure
Segregated accounts and automatic payouts:
- Bank transfers
- Direct debit
- Cards
- Instant payments
- Segregated accounts
Loan servicing
Every loan and every
investor on one screen
Simple or bundled investing, top-ups, withdrawals and trading, with payouts calculated automatically.
- Investor payouts calculated automaticallyInterest, investor payouts, fees and schedules are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Loan grades configured, not codedGrades, terms and investor rules are set in the admin panel without a release.
- Payouts on autopilotInvestors are paid as soon as borrowers repay.
- Alerts for borrowers and investorsRecalculated schedules and payouts notify borrowers and investors at the same time.
Reporting and analytics
Marketplace, investor and loan reporting
- 25+ ready reportsFunding speed, investor returns, defaults and recoveries by loan grade.
- BI and analyticsFeed marketplace data to your BI tools and investor dashboards.
- Accounting and taxPlatform fees, investor payouts and tax withholding post to local accounting systems.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Investor & borrower portal
Borrowers apply and repay; investors fund, track and withdraw.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
How do investors fund loans?+–
Investors top up their account and fund loans one by one or in bundles; repayments are paid out automatically.
Can investors trade loans?+–
Yes. You can switch on a secondary market where investors sell loan parts to each other, with the price and fee rules you set.
How are borrower ratings set?+–
Each borrower gets a rating from your scoring model and bureau data. The rating sets the rate investors see and the share they can fund.
How does it integrate with banking systems?+–
Through ready connectors and an open REST API. Core banking, accounting, payment rails, credit bureaus and ID check providers connect without replacing what you already run.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full p2p lending specification
53 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for P2P lending and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing