Pre-built infrastructure instead of a from-scratch build
Industry estimates put the cost of building peer-to-peer lending infrastructure from scratch - investor matching, repayment processing, a secondary market - at around £300,000 in software development alone. CreditOnline provides this infrastructure pre-built and configurable, so the work is integration and product configuration, not software engineering.
Direct investor-to-borrower matching
Investors fund individual borrower loans directly. Principal and interest flow back to the investor as the loan is repaid, and investors see the individual borrowers they’re funding rather than a pooled or originator-level view. This is the defining difference from marketplace lending, where investors fund a Loan Originator’s activity instead.
Open to individual and business investors
There’s no platform-imposed restriction on who can invest. Individuals and businesses participate under the same infrastructure, with limits configurable per product if your business needs them.
Auto-invest and diversification
Manually picking individual loans doesn’t scale past a handful of investors. The platform’s auto-invest engine lets investors set criteria once - loan type, term, rate - and allocates funds automatically as matching loans appear, giving each investor a spread of small positions instead of a few concentrated bets.
Liquidity through secondary markets
A direct loan position doesn’t have to run to maturity. Investors can sell an existing position to another investor on the secondary market, typically at a discount that reflects the remaining term and risk.