price
Determination of the interest rate for a loan, typically as an interest spread (margin) over the base rate, based on risk bands, loan maturities and o [...]
risk band
A rating scale of numbered ranges that expresses the relative risk of investment options used to determine the acceptability of the risk and its requi [...]
notary model
The crowdlending model used by four-party platforms, where the platforms act only as a broker to match the loan originated by a partnering bank to the [...]
balance sheet model
The crowdfunding model used by three-party platforms that originate loans for their own account that they then sell to the investors to fund the loan. [...]
client segregated model
The crowdfunding model used by three-party platforms that broker transactions, with the funds and loan repayment flowing through client accounts that [...]
four-party P2P platform
A crowdlending platform that involves a borrower, a lender, the platform and a third-party loan originator in the lending process that makes loans ava [...]
