Canada's voice for the regulatory compliant & exempt Peer-to-Peer (P2P) Lending & Private Lending industry, including: private equity investor-lenders, regulatory compliant credit intermediaries, regulatory compliant P2P technology companies and supporting industry members since 2005.

What is Peer-to-Peer (P2P) & Private Lending (Investing)? We actually call it: Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Investing-Lending 

Individuals or private corporations who trade in the highly specialized field of non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments, secured by real estate or non-real estate assets, either in the role of "investor" or "lender". Namely, those who invest money privately by way of Debt or "loan basis", to other individuals or corporations and may be marketed to the public by the investor-lender directly (privately), via regulatory-compliant 3rd party technology platform providers, or via a network of industry professionals.

Visit The Private Equity Mortgage Institute PEMI® for details on terminology including "investor" or "lender".

Ontology, Terminology, Equivalence:

Pursuant to seminal research, development, commercialization and international acceptance pursuant to registration of a  “Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow” Electronic Finance System to the consensus based, Quality Management System standards of 119 countries by Mr. Anoop Bungay, founder of Bungay International Inc. (developer of the world's first electronic network, trading in real-estate and non-real estate-secured binary digit free trading securities), Peer-to-Peer  in "peer to peer finance" possess the following equivalent (synonymous) terminology:
  • Peer-to-Peer (P2P)
  • Private
  • Crypto
  • Secret
  • Shadow
Generally, the IP2PFA (of which P2PLA is a member) network applies the compound word terminology: Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow. This reduces confusion for those unfamiliar with the ontology, terminology and equivalence principles.

Visit to request permission to read: A Brief History & Future of the Development of Global “Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow” Binary Digit Finance (BIT™ Brand Suite: BITFINANCE™, BITDEBT™,  BITMORTGAGE®), Blockchain & Conformity: Systems, Technology, Services and Products: Before August 14, 2001 to Present Day by Anoop Bungay; For a detailed understanding of the ontology and related information.

Visit to learn more; or www.BITMORTGAGE®.com, to learn more.



Peer-to-Peer (P2P) & Private Lending (Loans)

Secured by any other asset (not real estate) collateral.

1. Personal Loans - unsecured

2. Personal Loans - secured by non-real-estate (vehicles, equipment, machinery, precious metals, negotiable instruments, inventory, work-in-progress.



Peer-to-Peer (P2P) & Private Lending (Mortgages)

Secured by real estate collateral.

1. Mortgages Registered on Title of Real Estate: First, Second, third or other subordinated priority.