P2P business lending: Factors positively influencing lending decision in the UK 2014

Published by Statista Research Department, Nov 7, 2014
This statistic shows the business return possibilities and characteristics of peer-to-peer (P2P) business lending which have an impact on the decision to invest, listed by their importance. according to a survey on the alternative finance market in the United Kingdom (UK) in 2014. That year, 58 percent of respondents considered the interest rate offered to be their most important reason for investing through P2P business lending platforms.

When choosing between lending opportunities, how important are the following in positively influencing your lending decision?

CharacteristicVery importantImportantNeither important nor unimportantUnimportantVery unimportant
Interest rate offered 58% 39% 3% - 0%
Risk rating or credit score 47% 44% 8% 1% 0%
Loan security or guarantee 42% 44% 12% 1% 0%
Loan repayment information 23% 53% 21% 2% 0%
Profile and nature of business 23% 47% 25% 5% 1%
Comments or responses in Q&A 21% 48% 23% 5% 2%
Loan term/maturity 20% 47% 27% 5% 1%
Loan purpose 14% 42% 36% 6% 2%
Social impact of business 7% 27% 44% 15% 6%
Loan bidding history 6% 31% 46% 14% 4%
Location of business 2% 12% 43% 29% 14%
Showing entries 1 to 11 (11 entries in total)
Created with Highcharts 7.2.2Share of respondents58%58%47%47%42%42%23%23%23%23%21%21%20%20%14%14%7%7%6%6%2%2%39%39%44%44%44%44%53%53%47%47%48%48%47%47%42%42%27%27%31%31%12%12%3%3%8%8%12%12%21%21%25%25%23%23%27%27%36%36%44%44%46%46%43%43%1%1%1%1%2%2%5%5%5%5%5%5%6%6%15%15%14%14%29%29%0%0%0%0%0%0%0%0%1%1%2%2%1%1%2%2%6%6%4%4%14%14%Very importantImportantNeither important nor unimportantUnimportantVery unimportantInterest rate offeredRisk rating or credit scoreLoan security or guaranteeLoan repayment informationProfile and nature of businessComments or responses in Q&ALoan term/maturityLoan purposeSocial impact of businessLoan bidding historyLocation of business
0%10%20%30%40%50%60%70%80%90%100%110%120%

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Source

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Release date

November 2014

Region

United Kingdom

Survey time period

March to September 2014

Special properties

P2P lenders*

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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