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Checking7m ago
Payout scheduled
Access Credit & Cash Flows
Discover a peer-to-peer lending platform with fixed personal loan ratesA and access to unique amortizing payment streams†.
Which are you interested in?
access credit
access cash flows
What is Peer-to-Peer ("P2P") Lending?
Definition: P2P Lending is a financial model that enables real people to borrow from and lend to each other directly without a traditional bank intermediary.
Additional investor-risk context: North American Securities Administrators Association.
CrowdCash Empowers You to:
Reach a hard-to-access market
P2P lending opens the door to consumer-credit exposure most investors cannot build by themselves.
Seek higher income potential
P2P lending can add return potential in exchange for credit, servicing, and platform risk.
Diversify beyond stocks and bonds
Add consumer-loan cash flow that is not driven only by company earnings or daily market moves.
Stop settling for one-size-fits-all
Pick the loan traits like Risk Rating, term, amount, and more that fit your risk tolerance and income target.
Put money to work for people
Your capital can help fund personal loans for everyday borrowers, not just large institutions.
Get started with as little as $50
Example: $50 in a 16% APR, 12 month loan with an estimated expected-loss rate of 1.5%A.
| Net Value | Vs. Loan | |
|---|---|---|
| Loan | $53.40D | Baseline |
| Savings Account | $50.57E | 83% less |
| 12 Month CD | $51.74E | 49% less |
| SCHD Dividends | $51.97F | 42% less |
That example could net about $53.40 after servicing and loss assumptions.D
($50 + 4.44) - (0.5B x $50 x 0.015C) - ($4.44 x 0.15) = $53.40.D
Adefault risk and rates may vary.Brisk-adjusted returns may vary.CExpected loss uses average balance, not full loan amount.Dresults shown are for illustrative purposes only.Eaccurate as of 02/27/2026 from the FDIC National Rates and Rate Caps.Fcalculated from 2025 historical dividends if purchase date of 03/14/25 for $26.60 per share for 1.879 shares.
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Transfer3m ago
Funds are on the way
✅
Payments2m ago
Payment complete
📱
App10m ago
New recommendation is waiting
🎯
Funding Goal8m ago
Your loan reached 90% funded
🔔
Marketplace14m ago
A new listing matches your filters
🎯
Funding Goal8m ago
Your loan reached 90% funded
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Transfer3m ago
Funds are on the way
💰
Funded15m ago
Loan funds available
📱
App10m ago
New recommendation is waiting
🔔
Marketplace14m ago
A new listing matches your filters
✅
Payments2m ago
Payment complete
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Checking7m ago
Payout scheduled
💰
Funded15m ago
Loan funds available
📱
App10m ago
New recommendation is waiting
✅
Payments2m ago
Payment complete
🏦
Checking7m ago
Payout scheduled
💸
Transfer3m ago
Funds are on the way
🔔
Marketplace14m ago
A new listing matches your filters
How CrowdCash Does it:
A myriad of data at your fingertips
Loan-level details can help you see where your money goes and how each loan works.
Made simple to understand through our proprietary Risk Rating model.
Risk Rating
Payment-to-Income Ratio
Residual Income
Asset-to-Barrier Ratio
Credit Utilization
Cash Flow Volatility
Liquidity Coverage
Income Trend
Saving Rate
Net Worth to Income
Short Term Liability Ratio
Banking History
Delinquency Flags
No pre-funding an idle account
Your cash stays in your bank until a loan actually needs funding.
Principal and interest flow back without needing you to park money in a separate FBO account.
Skip the hunt and the work for deals
CrowdCash finds, underwrites, and manages loans from $50 to $5,000 one by one.
Filter by risk rating, yield, monthly payment and more to surface ideal matches.
Simple two step application
Verify your identity first, then confirm your financial suitability.
To participate, you must, exclusive of auto, home, and home furnishings, have at least a $280k net worth, or at least $80k net worth and $80k annual income.