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? 

Source: Peer-to-Peer (P2P) & Private Lending Association International for the definitions at

Definition: What is Peer-to-Peer (P2P) Lending?

Peer-to-Peer Lending consists of two viewpoints:

(a) Peer-to-Peer (P2P) Borrower

Individual or organization who seek capital in the form of financing from another individual or organization (controlled by an individual), evidenced by a debt instrument and secured (if applicable) by real estate or non-real estate collateral.

(b) Peer-to-Peer (P2P) Investor-Lender

Individual or organization(controlled by an individual), who invests capital in the form of financing to another individual or organization (controlled by an individual), evidenced by debt instrument and secured (if applicable) by real estate or non-real estate collateral.

Definition: What is Private Lending?

The Peer-to-Peer (P2P) & Private Lending Association International relies upon the Private Equity Mortgage Institute PEMI® definition:

"A private individual or a non-public corporate entity who seeks to invest funds in financial instruments on a secured or unsecured basis.1"

1Source: Private Equity Mortgage Institute PEMI®.

Risk-based, Peer-to-Peer (P2P) & Private Lending Association International General Definition of Peer-to-Peer (P2P) & Private Lending:

Individuals or private corporations who trade in the highly specialized non-institutional, non-syndicated, non-regulated or regulatory exempt private finance market. Namely, those who invest money privately by way of lending or "debt 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.



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.