News & opinion

Is Peer-to-Peer lending the future of commercial finance?

22 November 2021

What are the forms of commercial real estate (CRE) finance for the investor and developer's toolbox over the property lifecycle? What do we mean by the different positions in the capital stack: tranches across senior, junior, mezzanine debt? How has the provision of property finance changed and evolved over last few years – what roles do banks, private equity, debt funds and new alternative sources of funds play? What is peer-to-peer (P2P) lending, how does it compare to the traditional institutional lending? Is P2P effectively a syndication model? How is P2P handled by the regulatory framework? How do FinTech, PropTech and RegTech overlap in the property lending market? How does technology support the distribution of CRE debt? How do P2P platform support borrowers and lenders? Is there an active secondary market with depth and liquidity for P2P debt? How does the P2P valuation/investment and underwrit8ing process work? What role do Red Book valuations, Know Your Customer processes (KYC) and title reports play? How does the increasing availability of property data improve the lending and underwriting process? What is the future of CRE real estate finance?

Brian Bartaby speaks with Andrew Knight on these topics as they discuss the rise of CRE peer-to-peer lending.

More information regarding the Tech Partner Programme and our partner Proplend can be found at www.rics.org/techpartner.

Tech Partner Programme talk with Proplend

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