P2P Lending Platform — Datasheet

Overview

Overview

SGT P2P Lending Platform connects verified retail and SMB borrowers with retail and institutional investors in an auction-priced marketplace. Borrowers list a loan request, an ML credit-scoring engine assigns a grade and reserve rate, investors bid the rate down, and the platform auto-services every payment for the life of the loan.

Built for online lenders, neobank lending modules, microfinance institutions, and challenger consumer-credit brands that need open-loop marketplace dynamics with bank-grade risk controls and a clean investor experience.

• Reverse auction — investors bid rate down, clearing rate determined by demand
• ML credit grading — XGBoost on income, DTI, bureau, payment history, alt-data; AUC 0.85+
• Auto-invest — investor sets rules (grade, term, rate, diversification), engine deploys cash 24/7
• End-to-end servicing — disburse, EMI collection, late-stage workflow, recovery, legal handoff

How It Works

The diagram shows the four layers of a P2P lending marketplace. Hover any module to see live telemetry.

1. Marketplace — borrowers post loan listings with amount, term, purpose, and grade badge. Each card has a progress bar filling in real time as bids arrive, time-left countdown, and bid count. Investors browse, sort, and tap to bid.
2. Credit Engine — ML model returns a 300–850 score, maps to a grade (A+ through E) with a per-grade risk-adjusted reserve APR, plus feature-importance explanation for regulatory ECOA / FCA compliance.
3. Investor Bids — ladder view of every investor's rate / amount / status (WIN / edge / OUT), live clearing rate, your portfolio metrics, and auto-invest rules engine.
4. Servicing — per-loan lifecycle (listed → funded → disbursed → EMI 1..N → closed), book-health dashboard (on-time / 1-30 late / 30+ late / default / recovered), and the dunning workflow (SMS → email → DD retry → call → legal).

A continuous feedback channel pushes repayment data, recovery outcomes, score retraining signals, and policy-rule tweaks back into the engine — the purple stream along the bottom.

Features

• Reverse-auction listings — borrowers set max APR, investors bid down, time-boxed (24h / 48h / 7d)
• Whole-loan or fractional — investors buy a share (min £25) or one investor takes the whole loan
• ML credit scoring — bureau data + open-banking transactions + alt-data + behavioural signals
• Auto-invest engine — rule-based (grade / term / rate / diversification) or model-portfolio
• Secondary market — sell your loan parts to other investors before maturity (with bid/ask spread)
• Provision fund (optional) — pooled cushion that absorbs first-loss for low-grade loans
• Collections workflow — automated dunning, debt-management plan, recovery partner handoff
• Tax reporting — annual income statement, SA tax pack, capital-loss schedule for investors
• Borrower portal — early settlement, EMI reschedule, hardship pause
• Compliance pack — FCA P2P permission, ECOA / CCA, vulnerability framework, SCV reporting

Use Cases

• Consumer lending — unsecured personal loans £1K–£25K for debt consolidation, home reno, life events
• SMB lending — working-capital loans £5K–£100K for cafes, retail, services, online sellers
• Property bridge — short-term secured loans backed by a charge over property
• Invoice finance — investors fund unpaid invoices at a discount, repaid when debtor settles
• Green lending — solar, EV, insulation loans rated by carbon-impact score
• Microfinance — emerging-market micro-loans $100–$2K with peer-group guarantee

Specifications

• Loan products: Unsecured personal, SMB term, invoice finance, property bridge, green, microfinance
• Auction modes: Reverse-bid (investors price down) · Fixed-rate market-clearing · Hybrid
• Bureau data: Experian, Equifax, TransUnion (UK/US/EU) · CIBIL (IN) · open-banking AISP feeds
• Credit model: XGBoost / LightGBM, AUC 0.84–0.88, explainable via SHAP, monthly retrain
• Investor min: £25 per loan part, no upper cap, multi-currency wallet
• Disbursement: Faster Payments (UK), SEPA (EU), ACH (US), UPI (IN), CBU (LATAM) — T+1
• Servicing: Direct-debit primary, card backup, manual transfer fallback; dunning & recovery built-in
• Compliance: FCA P2P permission, ECOA, CCA, GDPR, AML MLR-17, vulnerability framework, SCV
• Security: SOC-2 Type II, ISO 27001, PCI-DSS, AES-256 at rest, TLS 1.3, MFA mandatory

Product information

Customisation options

• Loan product mix — unsecured personal, SMB term, invoice finance, property bridge, green / EV, microfinance, peer-group
• Auction model — reverse-bid (investors set rate), fixed-rate market-clearing, hybrid, or whole-loan auction
• Credit data sources — Experian / Equifax / TransUnion (UK/US), CIBIL (IN), open-banking AISP, alt-data (telco / utility / mobile money)
• Investor segmentation — retail only, accredited only, institutional / fund-of-loans, or open marketplace
• Provision fund — none, first-loss pool, or full insurance-wrapped (with re-insurance partner)
• Auto-invest preset — Conservative (A+ only, 36mo max), Balanced (A–B mix), Yield (B–D, higher rate), Custom rule-builder
• Secondary market — off, peer-to-peer with platform fee, or platform-as-counterparty buyback
• White-label option — your branding, custom risk grades, partner-specific loan catalogue, jurisdiction-tailored compliance pack

Ordering & lead time

Standard lead time depends on current stock. For volume orders, please contact our team for a structured quote including BOQ, freight, installation and warranty terms.

Support

Engineering support, installation guidance and warranty claims are handled by our customer success team. Reach us at support@sgtsystems.com or via the channels listed on our Contact page.