P2P business lending: Factors Influencing investment 2014

This statistic shows the factors which influence the decision to invest via peer-to-peer (P2P) business lending platforms rather than through more traditional methods, on the alternative finance market in the United Kingdom (UK) as of 2014, listed by their importance. In 2014, 82 percent of respondents considered making a financial return the most important reason for investing through P2P platform. A further 39 percent of respondents invested in an alternative method to diversify their portfolio.

How important are the following when making decisions about investing through P2P business lending rather than investing your money elsewhere?

Characteristic	Very important	Important	Neither important nor unimportant	Unimportant	Very unimportant
To make a financial return	82%	17%	1%	-	0%
To diversify my investment portfolio	39%	49%	9%	2%	0%
Supporting an alternative to the big banks	39%	37%	16%	5%	3%
To have control over where my money goes	35%	46%	14%	4%	1%
The ease of investment/lending process	29%	58%	12%	1%	0%
The choice of various loans on offer	25%	53%	18%	3%	0%
I feel my money is making a difference	16%	41%	29%	9%	4%
Supporting the SME sector	12%	35%	35%	12%	5%
Lending to industries I know or care about	8%	26%	42%	18%	6%
Doing social or environmental good	7%	29%	38%	17%	8%
Lending to local businesses or enterprises	7%	19%	43%	22%	9%
Curiosity	6%	26%	38%	15%	16%
Supporting a friend or a family member	2%	6%	33%	30%	28%
To help increase housing stock	2%	11%	40%	26%	21%

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Release date

November 2014

More information

Region

United Kingdom

Survey time period

March to September 2014

Special properties

primary industry figures as well as extensive surveys of businesses and consumers

Supplementary notes

Shares might not add up to a 100 percent due to rounding.

The source adds the following information: "Four stages of research activity were carried out from March to September 2014. (1) Stage one involved collecting primary transactional data directly from alternative finance platforms. (2) Stage two consisted of designing and distributing model-specific questionnaires to survey funders and fundraisers of alternative finance. In total 15,658 users were surveyed. (3) Stage three conducted in association with ACCA and PwC included two external national surveys to understand the level of awareness among consumers of alternative finance. 2,007 consumers and 506 SMEs were surveyed. (4) Stage four was the industry-wide tracking survey among UK crowdfunding associations and P2P associations to gather industrial figures for year 2014. Transactional data was collected for quarters one to three of 2014."

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