What’s the difference between P2P lending and you can crowdfunding? While you are a lender, investing P2P financing is a lot riskier than just getting your money inside a typical family savings. One of the main threats is that the P2P system you certainly will go out of team – while they are now controlled from the FCA, this won’t shield you from seller insolvency. And, there was a danger you to definitely consumers will get default on the costs, otherwise pay the loan away from early, that may slow down the rates of go back you have made.