Financial innovations are witnessing new high each day, thanks to the increasing penetration of internet. P2P (peer to peer) is one of them that have taken the world by storm, mostly U.S., UK, Germany and China that have been using this platform to finance the needy. Many p2p platforms like Lendingclub and Propser in U.S., Zopa and Funding Circle in U.K. and Credit Ease in China have disbursed more than billions in loans through their platform. P2P Lending has become a credible alternative investment option to earn higher returns for investors. But India is still taking baby steps in the sector, and i2ifudning.com is leading the way in nascent P2P industry founded by Vaibhav Kumar Pandey, Raghavendra Pratap Singh, Neha Aggarwal, Manisha Bansal along with Abhinav Johary (Co-founders, i2ifunding) When the quintet were looking for an idea to create value and benefit a large population, Vaibhav saw one of his colleagues borrow money from money lenders at a monthly interest rate of four percent to meet some urgent financial requirement, because his personal loan request was rejected by bank. This case left the quintet thinking about creating something which can help people meet their financial needs at genuine interest rate without really squeezing them. "This is how we started working on the concept of i2ifunding," echoes the quintet. Witnessing the dawn in late 2015, the company has more than 4000 registrations, closed funding of nearly 150 loans and has more than 500 investors with an investment commitment of over Rs.5 crore, all within just 11 months.

They have also raised angle investment of Rs. 2 Crore from industry veterans.

The One-of-its-kind Platform

i2i is an online platform connecting qualified borrowers looking for unsecured personal loans and investors looking for alternative investment opportunities for higher returns. While the platform offers option of getting unsecured personal loans at genuine interest rate, no prepayment penalty, online process for quick, transparent and seamless user experience, and fast disbursal to borrowers, it also connects investors with pre-qualified borrowers so that they can lend them and diversify their investment across multiple loan applications. High risk adjusted returns with an average returns in the range of 20-25 percent, minimized risk as investment is diversified across multiple loan projects, loans backed by legally enforceable contract, promissory notes and three post-dated cheques are the additional perks that investors reap. i2i supports the full loan lifecycle including tracking of payment and support in recovery if required.

To ensure a zero-error format, each loan project undergoes through a very stringent credit analysis (analysing more than 50 parameters) including CIBIL check and physical verification process. The psycho linguistic analysis of digital footprints on social media platforms, principal protection, safe, transparent and secure online process that puts data security and safety standards in place to keep your data protected and confidential at all times, completely online process, easy to monitor, personalized dashboard provided to lenders to track their investment, and e-collection of EMIs and remittance to lenders account, add more value to i2i investors.