Lendinvest ltd 2015 reported 278m worth of funds

of peer to peer lending reportedly lent £805M. Lendinvest ltd (2015) reported £278M
worth of funds invested in Mortgage loans from 2013 to 2014. Also, Ratesetter reported
£347M value of disbursed loan in 2015 with 0.1 % actual default while Funding Circle has
funded £601M thus far.
Fig 2. Competitors
Source: PwC
Fig 3: UK P2P loan and default rate (%)
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Source : lendinvest ltd
Amongst the top 3 peer-to-peer lending in the UK, Zopa, Funding Circle and Ratesetter
offer loan facilities for commercial and not for mortgage purposes despite the huge profit
and exponential growth opportunities in the property market and building industry.
However, peer-to-peer lending in mortgage financing has one major player in Property
investment in the UK, which is Lendinvest ltd. There is a lot of opportunity now in the
property market because there is shortage of supply of houses to meet up high of
demands in the UK.
6. Marketing Strategy
Our marketing strategy involves slogan with entices: “everyone is a marketer” and “Think
Globally and act locally” in Investment|Edge. To be successful in peer-to-peer lending we
have to know the services and market ourselves. We applied the Marketing Mix of the
4P’s People, Place, Price and Product.
6.1 Marketing Plan
The marketing plan is structured in three sections. (i) Purchasing Loans (ii) Partnership and
(iii) Customise pricing and policy
1. Purchasing Loans : To collaborate with Institutional Investors to purchase loans or
blocks they can add to their portfolios.
2. Partnership : To form an alliances with Institutional Investors to fund loans, create
referrals for clients in form of networking and produce flexible credit product for
both Institutional Investors and Investment|Edge.
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3. Customise pricing and policy : Investors can choose their own rate or criteria for
lending. This may involve certain conditions like involving a bank intermediary that
is in an institutional investor with the Investment Edge as should in Fig 4.
Fig 4: Marketing Plan
Source: PwC
6.2 Costing and Pricing
This business plans focuses mainly on providing services to clients. Investment|Edge has
no products for sale rather we provide platforms where exchanges of goods and services
can be carried out. Our charge is 1% service charge on loan amount lend to borrowers and
from lenders.
6.4 Sales Strategy
The Sales strategy are in four sections 1). Networking plan. 2). the social media app 3).
Advertising and 4.) Sales Literature.
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1. Networking plan: This strategy will be used to wow more investors to the
company and when certain conditions are met. They will benefit from Bonus on
their interest in form of an interest waiver or discounts.
2. The Social media and App.: App will be used as a tool to collaborate social
media platforms such as facebook, twitter, pininterest, instagram and google
AdSense. Also, free access to Wi-Fi services for our users to effect communications
as they wish to desires. This will foster visual and aesthetics style of marketing
3. Advertising