Peer-to-Peer (P2P) Lending Risk Analyzer Peer-to-Peer (P2P) Lending Risk Analyzer Assess various risk factors for your P2P lending investments. Investment Information Investment Reference/Name: Initial Investment Amount ($): Loan Term (Months): Risk Categories & Assessment 1. Borrower & Loan Specific Risks (Credit Risk) Loan Grade/Risk Tier (Platform's Rating): A+ (Lowest Risk) A B (Moderate Risk) C D E F (Highest Risk) Borrower Credit Score Category: Excellent (750+) Very Good (700-749) Good (650-699) Fair (600-649) Poor (Below 600) Borrower Debt-to-Income (DTI) Ratio: Low (< 20%) Medium (20-35%) High (35-50%) Very High (> 50%) Loan Purpose: Debt Consolidation (Potentially Lower Risk for borrower, higher for lender if not managed) Home Improvement/Renovation Business Loan (Small Business) Personal Loan/Other (Higher Risk) Loan Collateral: Secured (e.g., real estate, auto) Unsecured 2. Platform & Portfolio Specific Risks P2P Platform Reputation & Track Record: Excellent (Long track record, low platform defaults) Good (Established, generally reliable) Average (Newer or mixed reviews) Poor (Known issues, high platform risk) Portfolio Diversification Level: Highly Diversified (>100 loans, across grades/terms) Moderately Diversified (20-100 loans) Limited Diversification (5-20 loans) Poorly Diversified (<5 loans) Buyback Guarantee (from Loan Originator/Platform): Yes, Strong (Reliable originator/platform) Yes, Weak (Originator/platform stability concerns) No Current Economic Outlook: Strong Growth (Low default risk) Stable/Moderate Growth Slowdown/Uncertainty Recession/High Unemployment (High default risk) Analyze P2P Risk P2P Risk Assessment Summary Analyzed Investment: N/A Calculated Risk Score: 0 Overall Risk Level: N/A Key Contributing Risk Factors: No significant risk factors highlighted. *Risk scores are indicative and derived from your selections. Higher scores indicate greater risk. Download PDF Report
