You are correct risk is always a big factor. We believe good investors can see how this platform can help them diversify.
Before investing ask yourself.
Do I understand what I just put my money?
If for any reason you do not understand it to the last detail, you probably should do more homework. Take a look at what the big firms, banks, and insurance companies are looking at. Some of the important metrics that lower risk are (time) experience by the owner.
Do they make enough to pay me back? (DSCR) use this calculation if you need the calculator I have it
Is that business industry risky?
Who is their main client?
This is just the surface. We are not recommending or discouraging anyone we are just making the information available. We believe it is worth looking in to this platform is relatively new in the US. Since the Jobs Act of 2010 was passed it deregulated the business lending. That by default opened the doors to new forms of investing as well.