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Peer to Peer Lending
Run a competitive peer to peer lending business
Unlock a compliant, enterprise-grade P2P business marketplace built to seamlessly scale across retail, SME, and corporate segments under the latest EU crowdfunding regulations.
Configurable P2P platform
and marketplace as SaaS
Native agentic integration
Using our agentic banking solution AuraCrew
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100% digital & frictionless onboarding
Streamline borrower and lender registration with automated, data-driven credit evaluation and verification checks
Flexible, multi-segment revenue models
Configure customized product structures, dynamic fee schedules, and tailored settings across retail, HNW, SME, and corporate participants
Automate the complete marketplace lifecycle
Effortlessly manage placements, auto-bidding, escrow, loan disbursements, and interest redistributions through fully automated background processes
Continuous control & risk governance
Protect lenders and optimize portfolio performance using unified real-time transaction analytics, built-in dunning, and automated compliance tracking
Grow your P2P business not your FTEs
Efficient and agile P2P business your team can run on this module.
Launch Retail & SME P2P Marketplaces
Connect individual and business borrowers directly with private investors using automated deal matching, multi-tranche funding, and customizable return profiles.
Offer Auto-Invest & Fractional Loan Portfolios
Enable investors to diversify effortlessly through programmatic auto-bidding engines, risk-adjusted portfolio strategies, and fractional debt ownership.
Deploy Secured & Collateralized Peer-to-Peer Loans
Originate high-yield secured lending products supported by real-time asset tracking, automated loan-to-value (LTV) monitoring, and streamlined escrow management.
Provide Syndicated Corporate & Institutional Crowdfunding
Facilitate complex, multi-investor business loans with multi-currency support, flexible commission structures, and fully automated dividend/interest repayments.
Low-code configuration
for extreme agility in a competitive market
API first
connect easily with your preferred ecosystem partners.
Native multi-currency, multi-entity
support for international business expansion
AI ready
pre-built integration with AuraCrew.ai agentic platform.
How this works for your organisation
Enjoy extreme efficiency in your P2P business
Automate data-driven marketplace decisions with 100% digital onboarding, seamless KYC/AML orchestration, and instant credit bureau integrations.
Support multi-channel borrower and investor origination with dynamic fee schedules, custom commission models, and flexible yield structures.
Manage the complete P2P investment lifecycle end-to-end, from listing creation and auto-bidding allocation to automated escrow disbursements and investor payouts.
Take full control of your marketplace portfolio using fully automated dunning processes, customizable collection workflows, and real-time asset tracking.
Launch your modern core fast
Book a demo and see the Aura P2P and marketplace platform possibilities.
Enterprise-grade infrastructure without the enterprise-grade timeline
Built to connect with your existing stack and meet your compliance requirements.
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Compliance
ISO 27001 and ISO 9001 certified, DORA and GDPR compliant.
No legacy
Low-code. Cloud-native. Cloud-agnostic. No cloud lock.
Easy integrations
Implement your ideal ecosystem. Easy, fast integrations with RestAPI first architecture.
Agentic banking
AI Agentic banking ready - full integration with AuraCrew
Bank-grade security
Let agents run the marketplace
Pair Peer to Peer Lending with AuraCrew to automate matching, escrow, and repayment distribution.
Combine with other Aura modules
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Frequently asked questions
Learn more about the module
