P2P Lending and Crowdfunding – Explore the New Frontier for Small Business Lending | SBA.gov: "P2P lending sites are also a useful way to structure loans from friends and family. Because the P2P service acts as an intermediary or broker, it can help remove any potential emotional complications from the transaction while giving the lender some reassurance that you will repay on time.
What is Crowdfunding?
Crowdfunding is a collective cooperation of people who network and pool their money and resources together, usually via the Internet, to support efforts initiated by other organizations. While P2P lending typically focuses on one individual lending to another, crowdfunding – as its name implies – aims to reach a funding goal by aggregating many small investors.
Since President Obama signed the JOBS Act in April 2012, it has become a lot easier for small businesses to raise money online via crowdfunding. Previously, small businesses were limited to seeking investment from SEC accredited investors only; now non-accredited investors (i.e. you and I) can invest in a startup to the tune of up to $1 million a yea"
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