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The editorial · TopLending

Latest writing.

Platform reviews, regulatory breakdowns and crowdlending market analysis.

P2P Lending 4 min · 6 May 2026

P2P Lending Explained: Structure & Principles

A structural explanation of peer-to-peer lending — how platforms coordinate borrowers, structure loans and monitor repayment as a distributed credit system.

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P2P Lending 3 min · 6 May 2026

How P2P Lending Works: Platform Mechanics

The full lifecycle of a P2P loan — borrower screening, structuring, capital distribution and monitoring — and why platform architecture shapes returns.

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P2P Lending 5 min · 6 May 2026

P2P Lending Platforms in Europe: Overview

European P2P platforms compared by structure, transparency and portfolio design — Mintos, Bondora, PeerBerry and Maclear.

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P2P Lending 3 min · 6 May 2026

Complete P2P Lending Guide for Investors

How peer-to-peer lending works: borrower screening, risk categorisation, diversification and what investors should look for in a modern credit platform.

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Guides 12 min · 6 May 2026

P2P Platforms Compared 2026: Fees and Risks

A DACH-focused comparison of the leading P2P platforms in 2026 by fees, risks and collateral — with recommendations by investor profile and German tax notes.

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Guides 12 min · 6 May 2026

Investing in P2P Loans: Analysing Projects Step by Step

A step-by-step guide to analysing platforms, loan originators and individual loan projects, building a diversified P2P portfolio, and reporting it correctly for tax purposes.

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Guides 5 min · 6 May 2026

Investing in P2P Loans: 9 Years of Portfolio Lessons in 2026

An honest look back at 9 years of P2P investing: real numbers, the 2020 and 2022 crises, lessons learned and a current portfolio yielding 10.8%.

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