P2PIncome - A Guide to the Best P2P Platforms in Your Area
Knowing which P2P platforms are best suited to your country and region can help you save money on exchange rates, support local businesses, and locate nearby real-estate development projects. To that end, P2PIncome's financial experts have put together this By Country section, which includes regional articles. Most of the articles are on specific countries, while a select few emphasize larger regions. In each case, we've sought to provide sound reasons why you, the investor, should consider the sites in that article. Whenever possible, we've included at least one platform that features local real-estate, as well as platforms that accept local currency.
Best Platforms for Investors in Germany
Cashing In on an EU Passport
German investors looking to get into the peer-to-peer lending market should read this article to learn which platforms are best suited to their needs. These feature-rich platforms offer auto-invest tools, currency converters, loyalty programs, and secondary markets. Some even deal in German real estate.
Read ArticleBest Platforms for Investors in Estonia
Aja raiskamine on enda eest varastamine
—Estonian Proverb
The Estonians have a saying, "Wasting time is stealing from oneself." This saying perfectly encapsulates the concept of opportunity cost, and the importance of an active investment portfolio. After all, your time is limited, and every day that you're not investing money and earning passive income, you're denying yourself the opportunity for a better future. In this blog, learn about the best peer-to-peer lending platforms for Estonian investors, and start making the best use of your time.
Read ArticleBest Platforms for Investors in Spain
"I would sooner be a foreigner in Spain than in most countries."
—George Orwell
If you live in Spain and have an EU-compliant bank account, you're in luck. This blog post will help you locate the very best peer-to-peer lending sites for Spanish investors. From real-estate to personal loans, these 5 sites offer the best profits, savings, and yields, including projects and loan originators located in Spain. Read more to find out where you should be investing.
Read ArticleBest Platforms for Investors in France
Les petits ruisseaux font les grandes rivières
—French Proverb
The French have a financial saying: "Little brooks form great rivers." In other words, small income streams can eventually amount to a great fortune. This is particularly true of passive income, because one individual can have numerous sources. If you're a investor in France, take a look at this list of the top 5 peer-to-peer platforms, where you can earn a river of passive income.
Read ArticleBest Platforms for Investors in Italy
I came. I saw. I invested.
Italian investors have access to scores of peer-to-peer lending and crowdfunding platforms, thanks to Italy's membership in the EU. In this article, P2Pincome's financial experts provide insights into the best p2p platforms for investors in Italy.
Read ArticleBest Platforms for Investors in the UK
To Invest, or Not to Invest? There is no question.
If you're in the UK and looking to make your money work for you, look no further. These 5 peer-to-peer lending sites provide ample opportunities for investors large and small. Whether you want to purchase loan notes, stake in a real-estate project, or allow the computer algorithm to make your decisions for you, take a look at this report on the 5 best p2p platforms for investors in the UK.
Read ArticleBest Platforms for Investors in Europe
United in Diversification
Peer-to-Peer lending platforms in Europe offer medium-to-high interest rates and secured loans that range from any amount. This blog reviews how European lending markets excel at P2P lending.
Read ArticleBest Mobile Apps for Investors in Europe
Investing On-the-Go Has Never Been Easier
Busy European investors need a reliable mobile app with an intuitive user interface and the functionality they've come to rely on from their favorite peer-to-peer lending platform. Find out which European P2P platforms have the best mobile app, in this detailed article.
Read ArticleBest Platforms for Investors in the Netherlands
A New Approach to "Going Dutch"
We're not talking about splitting the bill. We're looking at the peer-to-peer lending companies for investors in the Netherlands. Read our guide on investing in peer-to-peer lending as a Dutch citizen, to find the most promising peer-to-peer lending platforms available in the Netherlands.
Read ArticleBest Platforms for Investors in the United States
The Land of the Free Market
Peer-to-Peer lending platforms in the US offer unsecured loans with higher interest rates and larger amounts. Read up on how US lending markets differ from European markets and what make specific US companies unique in the P2P lending space.
Read ArticleBest Platforms for Investors in Latvia
Promised Berries Will Not Fill the Basket.
—Latvian Proverb
Latvians understand that a basket cannot be filled with promises. Instead, Latvian investors have many attractive opportunities in the peer-to-peer lending market. Some of the best p2p sites are housed there, and several other states work with loan originators and real-estate developers in the area. Read more about the top p2p lending platforms for Latvian investors.
Read ArticleThe Geography of Finance
Geography and finance are inherently linked. Most countries have their own currencies. Neighboring countries often share and sometimes war over natural resources. Strong geopolitical ties can lead to sophisticated trade agreements, while regional conflicts can bring about macroeconomic upheaval.
Look no further than Russia's invasion of Ukraine in early 2022 to see the potential economic havoc wrought by war. Russian faced wave after wave of international sanctions, while areas of Ukraine were decimated, leading to a local financial crisis. As a result, several peer-to-peer lending companies suspended their activities in the region, leaving investors wondering whether they would ever see their capital, let alone any returns.
Similarly, the United Kingdom's Brexit referendum was a controversial proposal many feared would destabilize the whole of Europe, while others believed it was the only way to secure long-term economic prosperity for the UK.
Regulatory measures are yet another example of the regional nature of finance. For example, the United States requires investors receive “accreditation” by proving they have a net worth of over $1,000,000 and an annual income over $200,000. This effectively precludes 95% of US citizens from participating in US-based peer-to-peer lending mechanism. Europeans, meanwhile, need only present proof of citizenship and a valid bank account.
Support for local businesses is another geo-economic driver. Many investors seek to bolster the local economy, by investing in projects close to home. This is particularly valuable when investing in a real-estate development project, as it allows the investor to visit the location in question, assess the seriousness of the initial offer, and track the progress of the investment.
As the financial world continues to globalize, you'll find more overlap between countries and regions, but geography will always influence finance, and the more informed you are the better.
What if I don't live within the country in question?
The rules and regulations governing international investment are complicated, and user agreements differ from site to site. That being said, most European P2P sites are open to all EU residents, and investors with a valid EU bank account. The United States is far stricter, and certain US residents (such as residents of Puerto Rico and Guam) cannot invest on certain P2P sites.
P2P Platforms are Available in the Most Widely Spoken Languages
Most European P2P sites offers a few languages in addition to the lingua franca. English, German, and Spanish are the most common languages found.
American Investors Can Obtain Accreditation
Americans seeking to participate in the US P2P market must be accredited. To receive accreditation, you must be able to demonstrate a net worth in excess of $1,000,000 (individually or joint) not including your primary residence. In addition, you must be able to demonstrate you’ve earned $200,000 (or more) for each of the past two years—or that you and your spouse have earned more than $300,000.
In 2020, the Securities and Exchange Commission (SEC) added a few more options for accreditation, including for those holding a Series 7 (or similar) license, individuals who have demonstrated extensive knowledge of finance and investment, and certain entities with values exceeding $5,000,000. The details can be found on the SEC’s website.