Peer-to-Peer Lending Business Plan

Business Plan Articles

There are a growing number of P2P lending companies on the market, but they all need one thing – investment. Pro Business Plans has worked with many peer to peer lending companies to create a professional plan and raise capital. This article outlines what is included in a P2P business plan and how it should be structured for your fundraising process.

peer to peer lending business plan

Peer-to-Peer Lending Business Plan

A custom P2P lending business plan should outline what unique competitive advantages that your company has over others in the market. For instance, there may be many companies that have a nearly identical business model or other investments with the same idea, so your plan should effectively communicate how you are different and why that is better.

This may be accomplished by communicating your company’s business model, marketing plan, and the financial projections in a way that is easily comprehensible by investors.

Business Model

The business model of a company for a P2P lending company must meet one universal condition, connecting investors directly with debt. Serving too much as an intermediary will result in you just being like any other bank. However, it is important to discover some positioning in the P2P market such as an unidentified niche market, geographic focus, and a strong management team. The business model should be clearly outlined at the very beginning to demonstrate the potential and positioning of your company.

Marketing Plan

The marketing strategy of a P2P lending business plan essentially serves to functions, to solicit investment and to solicit financing. These are both exceptionally competitive markets because the cost of acquiring a customer for both is very high. Therefore, your company should have a clearly outlined plan to do both before it approaches any investors and enters the market. Understand how much your customer acquisition cost is based on the marketing strategy, as some channels may be unreasonable, such as immediately beginning with the same promotional channels as household name lending companies.

Financial Projections

Every peer to peer lending business plan should be able to produce a reasonable accurate financial model based on its commission structure and overhead costs. The key advantage of P2P lending over large banks is their lower overhead costs that enable more competitive rates. Therefore, the financial model should reflect this lean operating structure and effectively communicate where you will make money and still generate strong investor returns while delivering competitive financing rates. Custom financial models may also be created in order to forecast the risk adjusted return rate and factoring in the credit profile of your customer base.

What is Included in Our Custom Peer-to-Peer Lending Business Plan?

  • Marketing Plan
  • SWOT Analysis
  • Competitive Analysis
  • Profitability Analysis
  • Personnel Plan
  • Organizational Chart
  • Company Valuation
  • Executive Summary
  • Company Description
  • Keys to Success
  • Three Year Objectives
  • Product or Service Description
  • Market Research
  • Fundraising Support
  • 12 Month & 3 Year Profit & Loss
  • 3 Year Balance Sheet
  • 12 Month & 3 Year Sales Forecast
  • 12 Month & 3 Year Cash Flows
  • Break-Even Analysis
  • Financial Ratio Analysis
  • Management Team

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