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OFFICIAL VERIFIED

How to Profit from Peer-to-Peer Lending - Earn 9% to 33% with Small Loans

by Scott Todd g
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4.14
98,821 ratings · 5,730 reviews
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OFFICIAL VERIFIED

How to Profit from Peer-to-Peer Lending - Earn 9% to 33% with Small Loans

by Scott Todd g
4.14 98,821 ratings · 5,730 reviews
Discover How to Profit from Peer-to-Peer Lending - Earn 9% to 33% with Small Loans by Scott Todd. Start reading today and explore ideas, insights, and experiences that stay with you.

Overview: Peer-to-Peer Lending makes you the Bank Learn how to earn great returns while managing the riskLearn how to increase your investment returns with peer-to-peer lending. You’ve seen the ads, “put your money in our bank and earn .95% interest!” Then to make matters worse, the bank takes your money and they loan it out to borrowers and charge them 5%+ while they give you .95%. And then to add to the pain you wonder, how am I going to retire or out live my money in retirement with such a low returns!In this book, you will see how I cut out the banks and make direct loans via peer-to-peer lending (P2P) or as its also called person-to-person lending. Using Lending Club or Prosper (both web-based companies) I routinely earn 9% to as high as 33% without having to worry about collections, payment processing, nothing. The money is returned to my account monthly and eligible for reinvestment.It doesn’t matter if you are a beginning investor with $25 to your name or you want to grow your IRA, Self-Directed IRA, or other retirement account, you should include peer-to-peer lending as part of your long-term investment strategy. You will start at the beginning We will walk through the peer-to-peer lending process, how loans are evaluated and how they end up getting on to the website for investors to consider and review. We then turn to how a loan’s interest rate is calculated. You will learn how to apply filters and how to develop your own lending criteria with the focus of minimizing the risk. It’s not just the Return on Investment – It’s the Return OF Investment If you don’t understand how credit works and how banks assess risk and you only chase the high yield loans, you may find that your investment is quickly written off as uncollectable debt. You will learn how the peer-to-peer lending process works, how you get paid and more importantly how to choose loans that will return your investment to you. You will learn about the 4 loan types that you should avoid like the plague. I will share with you the filters I use to earn a steady 9.1% over the last 2 years; this does not include notes I have sold which have returned yields up to 33%. We will back test the filters and you will be able to go to the free website and test your own criteria so you know your likely return before you invest. Like stocks – Notes can also be traded Very few people realize that there is a trading platform that allows you to place your notes up for sale and if you buy them correctly upfront, you can turn around and sell them for a profit. In this book, you will learn how to appraise a note and then list it for sale and greatly increase your yield or you can use these same principles to buy loans listed below market price and hold it until it’s paid to earn even a higher yield. What to do if… Even with the best upfront planning, there is still a chance that some of your loans will stop performing (the loans will be late), you will see how I take action quickly when this occurs to help you recover as much of your investment as possible.You will also learn advanced peer-to-peer lending techniques such as:--How to calculate your yield when you sell the note after only a few months.--Where to download the file I use to calculate this return.--Why you should trade your notes on the secondary market.--How to handle the 5 likely outcomes after you invest in a note.--Why I prefer LendingClub.com to Prosper.

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Details & Genres

Fiction Literature Bestseller Recommended
Length N/A pages
Language Eng
Published December 16, 2012
ISBN-13 20528698

More Books By: Scott Todd


Scott  Todd
About the Author Scott Todd
10,813 followers

Scott Todd writes contemporary fiction and has always been fascinated by character-driven stories. They hold a degree in English Literature and previously worked as an editor before transitioning to writing their own books. Scott Todd lives with their spouse and a very vocal rescue cat.

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Gary Turner
Gary Turner May 18, 2024
An average read for me. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Might work better for someone else, just wasn't completely for me.
Sandra Rodriguez
Sandra Rodriguez December 07, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
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Ryan Martinez
Ryan Martinez October 24, 2025
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Sarah Torres
Sarah Torres August 09, 2025
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
George Lewis
George Lewis August 27, 2025
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Sarah Rodriguez
Sarah Rodriguez October 18, 2025
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Jessica Thomas
Jessica Thomas April 01, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Amanda Young
Amanda Young September 26, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Melissa Lewis
Melissa Lewis December 10, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Cynthia Adams
Cynthia Adams August 01, 2024
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Edward Rivera
Edward Rivera November 18, 2025
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Andrew Thomas
Andrew Thomas February 11, 2025
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Kenneth Lopez
Kenneth Lopez February 20, 2025
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Deborah Nelson
Deborah Nelson January 28, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Lisa Martinez
Lisa Martinez August 29, 2024
I have mixed feelings about this one. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Might work better for someone else, just wasn't completely for me.
Steven Brown
Steven Brown August 25, 2024
I was pleasantly surprised. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Betty Rivera
Betty Rivera April 01, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Steven Torres
Steven Torres June 21, 2024
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Carol Rivera
Carol Rivera August 11, 2025
I liked it for the most part. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Ashley Hall
Ashley Hall May 11, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Elizabeth Harris
Elizabeth Harris October 12, 2024
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Betty Rodriguez
Betty Rodriguez April 10, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Ashley Carter
Ashley Carter March 26, 2024
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Sandra Diaz
Sandra Diaz February 20, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Joseph Martinez
Joseph Martinez September 16, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Mark Torres
Mark Torres May 24, 2024
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Jacob Scott
Jacob Scott March 09, 2024
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Barbara Young
Barbara Young August 22, 2025
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Edward Nguyen
Edward Nguyen April 08, 2024
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Susan Ramirez
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Nancy Harris
Nancy Harris May 30, 2024
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Melissa Johnson
Melissa Johnson July 29, 2024
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Nancy Harris
Nancy Harris May 11, 2025
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Anthony Clark
Anthony Clark January 02, 2025
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Nicholas Gomez
Nicholas Gomez May 07, 2024
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Thomas Green
Thomas Green May 02, 2024
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Anthony Clark
Anthony Clark July 10, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Michael Sanchez
Michael Sanchez July 12, 2025
An average read for me. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. It's fine if you have nothing else to read.
Eric Wilson
Eric Wilson July 31, 2025
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Ryan King
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Emily Williams February 26, 2025
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David Martin
David Martin December 01, 2024
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. I'd probably recommend it to a friend.
Nicholas Hill
Nicholas Hill June 04, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Carol Moore
Carol Moore March 11, 2025
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Dorothy Reyes
Dorothy Reyes November 28, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Kenneth Phillips
Kenneth Phillips January 08, 2024
It was okay. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Carol White
Carol White February 03, 2025
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Deborah Nelson
Deborah Nelson July 10, 2025
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Andrew Gomez
Andrew Gomez May 10, 2025
An average read for me. The pacing was a bit slow and I found myself skimming a few pages. It wasn't terrible, just okay. Just right down the middle.
Mary Lopez
Mary Lopez October 08, 2025
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Emily King
Emily King August 25, 2024
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Gary Turner
Gary Turner August 05, 2025
Pretty good overall. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Christopher Hernandez
Christopher Hernandez August 20, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Nicholas White
Nicholas White September 25, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Andrew Torres
Andrew Torres April 08, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Ashley Wilson
Ashley Wilson November 04, 2024
A solid read. It held my attention, even if a few things were a little predictable. A solid 4 stars from me.
Emily Baker
Emily Baker January 02, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Michael Torres
Michael Torres May 29, 2025
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Christopher Hill
Christopher Hill May 27, 2025
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
William Ramirez
William Ramirez April 20, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Mary Perez
Mary Perez January 01, 2025
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Christopher Clark
Christopher Clark June 17, 2025
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Sarah Diaz July 30, 2025
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
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Sharon Rivera May 15, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
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Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
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Ryan Adams September 29, 2024
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Michael Mitchell
Michael Mitchell October 03, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
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Laura Parker April 08, 2024
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Nancy Carter September 06, 2025
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Stephanie Jackson
Stephanie Jackson October 01, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Kenneth  Davis
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Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Michael Sanchez
Michael Sanchez September 23, 2024
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Karen Jackson
Karen Jackson October 08, 2024
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
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Andrew Brown April 07, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
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Kenneth Lopez April 29, 2024
I liked it for the most part. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
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Richard Young July 19, 2025
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
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Jacob Garcia April 20, 2025
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
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A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
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Richard Rodriguez November 02, 2025
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Susan Smith
Susan Smith November 28, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
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Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Worth the time and money.
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Nancy Harris July 17, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
Margaret White
Margaret White December 22, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
George Adams
George Adams August 08, 2025
Finished it in a couple of days. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Mark Johnson
Mark Johnson February 17, 2024
It was just alright. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Probably won't read it again, but it was an okay way to pass the time.
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A solid read. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
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Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
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Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
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Susan Harris
Susan Harris July 29, 2024
Finished it in a couple of days. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Melissa Jackson
Melissa Jackson June 18, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
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Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
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Dorothy Thompson
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I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
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A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
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I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
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A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
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A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
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A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
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Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
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Anthony Wilson
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Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Nicholas Taylor
Nicholas Taylor October 23, 2024
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Anthony Gonzalez
Anthony Gonzalez July 05, 2025
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Michelle Rivera
Michelle Rivera February 20, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Jennifer Lewis
Jennifer Lewis September 21, 2025
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Ryan Miller November 23, 2024
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Michelle Perez December 12, 2024
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Melissa Johnson
Melissa Johnson October 03, 2025
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Lisa Nguyen
Lisa Nguyen December 19, 2025
A solid read. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Amanda Thomas
Amanda Thomas August 15, 2024
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
Amanda Lopez
Amanda Lopez June 11, 2025
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Thomas Jones
Thomas Jones June 19, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Susan Miller
Susan Miller January 09, 2024
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Gary Clark
Gary Clark October 28, 2024
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Stephanie Perez
Stephanie Perez August 02, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Sandra Wright
Sandra Wright August 07, 2024
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Joseph Gonzalez
Joseph Gonzalez March 16, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Susan Perez
Susan Perez March 18, 2024
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
James Rivera
James Rivera June 04, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. Enjoyable weekend read.
William Smith
William Smith July 25, 2024
A solid read. I liked the main character, though some of the side plots were just okay. Not bad at all.
Jennifer Martinez
Jennifer Martinez December 30, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Sarah Collins
Sarah Collins July 16, 2025
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Donald Rodriguez
Donald Rodriguez August 30, 2025
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Amanda Rodriguez
Amanda Rodriguez April 13, 2024
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. Might work better for someone else, just wasn't completely for me.
Barbara  Parker
Barbara Parker September 03, 2025
I have mixed feelings about this one. It had some good moments, but the overall plot felt a bit disjointed in the second half. Probably won't read it again, but it was an okay way to pass the time.
Karen Smith
Karen Smith March 03, 2024
It was just alright. It felt a bit repetitive in the middle. Could have been shorter. A generous 3 stars.
Linda Thompson
Linda Thompson July 31, 2024
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Margaret Torres
Margaret Torres October 04, 2024
It was just alright. It felt a bit repetitive in the middle. Could have been shorter. A generous 3 stars.
Nicholas Walker
Nicholas Walker July 09, 2024
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Anthony Young
Anthony Young July 15, 2025
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
David Perez
David Perez December 03, 2025
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Steven Ramirez
Steven Ramirez August 16, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Karen Turner
Karen Turner April 11, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Linda Thompson
Linda Thompson July 04, 2025
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
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