P2P Portfolio Mix Builder
A simple simulation for spreading capital across multiple platforms. This is not a recommendation for any specific platform - use it to think through diversification, then check individual scores on our ranking.
Our conservative target band for this tier: -
This is a simulation, not real money. No investment is made by using this tool. Bands are our own conservative estimates for illustration: 2 platforms 7-9%, 4 platforms 9-11%, 6 platforms 11-14% - these are not guarantees and do not mirror any other site's presets.
Why Platform Count Matters More Than Loan Count
Spreading capital across many loans on a single platform reduces borrower-level risk, but it does nothing to protect against platform-level failure. Spreading across multiple platforms addresses both. Start with platforms that score well on our ranking before adding higher-risk, lower-scored options as a smaller satellite allocation.
Disclaimer. Information only, not financial advice. P2P lending carries a risk of partial or total loss of capital. This tool does not recommend any specific platform.