What is the "optimal" business model for lending platforms? #LenditEurope insights

[Efi]

The market started as pure P2P and moved towards a hybrid model, using also one’s balance sheet and other instituional capital channels.
There are players like OnDeck that use only their balance sheet. RateSetter is one of the purist ones.
Funding Circle, does not beleive in the hybrid model.

What do you think; where do you think the market is led or forced to go?

[Ric]

The hybrid model seems to be the one having more probability to prosper. It gives more flexibility to develop and manage a two sided marketplace platform. The ideal is to achieve and maintain a funding structure of 1/3 retail investors, 1/3 institutional investors and 1/3 balance sheet and strategic partners.