About Us
Ideally, multiple investor (lenders) invests a small portion in every borrower.


We evaluate each borrower on multiple parameters which include screening of personal, financial and professional details to name a few. Verified creditworthy borrowers are listed on our platform. The lenders are free to choose borrowers based on their risk appetite. Ideally, multiple investor (lenders) invests a small portion in every borrower. The idea of P2P EASY came during a simple conversation with a Tea vendor. In Mumbai ( Maharastra ), Mr. Sanket ( not the real name ) came everyday near my home, and sold fruits from footpath.

I, Sumit K. - founder of P2P EASY, use to wave him ( say hello ) in the morning. On couple of occasions, I bought Tea from him. On one fine day, I spoke to him about his finances. He told me that he gets his Tea from a Tea wholesaler in the morning for roughly Rs. 200, and sells those for around Rs. 4000. On most days, he makes around Rs. 2000, and that money covers his daily expenses. He is poor, and he lives in slum.

Mr. Sanket has an excellent business ( 100% profit on investment ); however, he still could not improve his daily living standards. Most of us would love to work in an industry where ROI ( return on investment ) is 100 %. Later, I went to a cookware retailer who wanted to open a wholesale store. I asked him to show his balance sheet and his projections. Later, I researched cookware industry and margins. Both he and I were confident that he could make his investment in an year. The bank wanted more than 130 % collateral in gold from him. He did not have that much gold. The bank guys were not willing to take his shop or his home as collateral.

My close friend wanted to buy a house near his office. He was able to get 15 % of loan amount for the down payment. The bank wanted 25 % for the down payment, and loan fees were roughly 1.5 % of the loan amount. He worked at a well known MNC, and he made good money, five times the EMI. However, since he just passed from college two years ago, he did not have enough money for the down payment. He felt frustrated, and gave up on his dream home.There are similar stories around us, and I hope you can relate to most of these stories.

On the other side, few of my friends have made good money ( more than a crore ) in real estate, and they are looking to invest their money. They like the idea of investing in stock market, but they do not have a good understanding of stock market and companies. They do not want to invest in gold, and then keep gold in lockers. Most of their money is parked in saving accounts. Some of them continue to invest in real estate. Lately, the prices of homes have steadied, and they want to pull money from real estate.

They feel uneasy about the whole process of giving money to family and friends. They are not sure whether they would get the entire principal amount from their friends or not. Will their friends ( borrowers ) pay them any interest ? Before giving money, can they trust the borrowers ? Is he/she going to spend the loan amount on something other the purpose of loan ? On the other hand, most individual lenders charge upwards of 25 % interest for personal and business loans. Some of them charge 40% interest on loans, and they would make money even if 30% of their borrowers default on their loans.

At P2P EASY, we plan to address these issues. We are building a platform that both borrower and lenders can trust. Before he list the loan, we run multiple checks on the borrower's profile, and his loan request. If we see any red flags ( unusual spending patterns or incorrect answers ), we do not list the loan at our site. We want to provide the loans to needy individuals who are genuine and can return loan amount on time. Like banks, we do background checks, validate home address, study credit report, and get a loan guarantor. We go beyond regular financial institutions to protect lender's investment.

For borrowers, we only need five set of documents to build your credit profile. If we need additional information, we might ask for additional documents. However, our process is quick, days not weeks or months. We rate all our borrowers, and then list their profile and loan details at our site. Please understand that the lender is investing in you because he put his trust in you and our platform. In case of default, we will approach collection agencies to collect the principal amount, interest, penalty, and late fees. If you intend to default, I suggest that you do not list your loan at our site. We do not take any bribe; we are here to enable individuals accomplish their dreams.

Most product owners claim that their products is useful to anyone and everyone. Well, we do not want to claim that. Our product, P2P EASY, is NOT suitable for folks who can raise money from their family members, as the interest rate on those loans is usually zero. As a lender, if you have never given money to anyone, then please start with a small amount at our site. Once we have earned your trust and confidence, then please invest more and spread the word. We want you to have a good night sleep, not worry too much about the money given to the borrower.

As a borrower, if you plan to ask your father or close relative for money and you are 100% sure that you would get money, then there is no point in registering at P2P EASY. We are trying to solve lending and borrowing issue for 90 % of cases, where lenders go through sleepless nights after giving money and borrowers are unable to raise cash for their needs. In simple words, P2P EASY provides peace of mind to lenders, and help borrowers quickly raise cash.

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Here at P2P EASY, the bank depositor directly becomes lender to borrowers. The transaction takes place without any bank interventions.

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Our Mission

We at P2P EASY aim to empower the entire Indian population to accomplish their dreams by providing personal and business loans to them. To be the preferred online investing platform for loans in India connecting borrowers who are creditworthy with Lenders who are looking for portfolio diversification. At P2P EASY, we are committed towards working on a vision to improve financial inclusion in society.

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Our Values

Irrespective of salary, color, or religion, we will treat every customer with respect. We will listen to our customers, apologize for our mistakes, and build long-term relationships. We will accept our employees for who they are, and respect them. We will always encourage suggestions from employees, and let them experiment with new ideas. It is completely OK to fail, and start all over again. To our investors and board of directors, we will always tell truth, and provide timely update, good or bad, to them.