P2P lending is all about triangulating HENRY

Uber did it with taxis, Airbnb did it with accommodation and P2P lending platforms are doing it with money.

It's your typical sharing economy zinger - P2P lending platforms don't actually lend money, instead they link up potential borrowers with individuals or companies who are willing to act as lenders. Some companies actually split up the money you invest so it sits with a number of different borrowers so, in theory, the risk of losing your money is reduced. Basically, the lending platform cuts out the banks in exchange for an arrangement fee. Outcome: the lender achieves higher interest rates and the borrower lower interest rates than would be on offer if either had gone through a bank.