A dynamic lending system may include a computing device in communication with a network. The computing device may include a computer readable data storage medium having data structures stored thereon for facilitating and dynamically allocating peer-to-peer loan transactions. The data structures may include a borrower profile module configured to receive borrower characteristics and assign a risk value, a lender risk/return parameter module configured to establish a risk/return level of a lender, a transaction module configured to facilitate investment by lenders and loans to borrowers, and an allocation module configured to allocate loans or portions of loans to investors based on the risk value of loans and the risk/return level of the lender. A method for dynamically facilitating peer-to-peer lending may also be provided.
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