Alternative financing models

Definition

Marketplace/P2P lending Consumer

Individuals or institutional funders provide a loan to a consumer borrower

Balance Sheet Consumer Lending

The platform entity provides a loan directly to a consumer borrower

Market place P2P Business Lending

Individuals or institutional funders provide a loan to a business borrower

Balance Sheet Business Lending

The platform entity provides a loan directly to a business borrower

Market place P2P Real Estate Lending

Individuals or institutional funders provide a loan secured against property to a consumer or business borrower

Real Estate Crowdfunding

Individuals or institutional funders provide equity or subordinated-debt financing for real estate

Invoice Trading

Individuals or institutional funders purchase invoices or receivable notes from a business (at a discount)

Equity Based Crowd Funding

Individuals or institutional funders purchase equity issued by a company.

Reward Based Crowdfunding

Backers provide finance to individuals, projects or companies in exchange for non-monetary rewards or products.

Donation based Crowdfunding

Donors provide funding to individuals, projects or companies based on philanthropic or civic motivations with no expectation of monetary or material return.