The future of SME finance

摘要

In the past six months P2P, or peer-to-peer lending, has become an option as an alternative source of capital and promises business owners easier access to funds without the sometimes complicated bureaucracy of other lenders. Put simply, P2P is an online process where people who want to borrow are matched with those who want to invest or lend. It bypasses banks, avoids overheads and provides better interest rates for borrowers and lenders.