How self-employed people put their capital to work with P2P investments | Lendermarket

Team Lendermarket
August 5, 2025

How self-employed people put their capital to work with P2P investments

At a time when traditional forms of savings hardly yield any returns and economic uncertainty is constantly growing, many people in Europe are faced with a crucial question:

Where should I invest my capital – safely, profitably, and without a financial degree?

Self-employed individuals, farmers, freelancers, and small businesses in rural areas in particular often have regularly available funds – be it from seasonal income, reserves, or monthly surpluses. Instead of letting money “simmer” in a savings account, modern investment options such as peer-to-peer (P2P) investments open up entirely new perspectives.

Why Investors Are Looking Past Traditional Investments for New Opportunities

Just a few years ago, investing in life insurance, savings accounts or real estate was seen as a reliable way to grow wealth

Today, many of these options seem outdated – or simply unattractive:

Savings interest rates tend toward zero, often even below the inflation rate
Real estate prices are overvalued in many places
Stock markets fluctuate significantly and require time and know-how
Bank advice often appears sales-driven and lacks transparency

In addition, anyone who runs a business, manages a farm, or is self‑employed on a daily basis rarely has the time or the inclination to get to grips with complex financial products. The solution? A platform that removes complexity – and makes returns accessible.

P2P Investments: Direct, Transparent and Accessible

Peer-to-peer lending means that lenders (like you) invest in loans that are granted to private individuals or small businesses via verified partners – without going through banks

And it works surprisingly simply:

Invest your capital via Lendermarket
Your funds are lent to credit‑approved borrowers through selected Loan Originators
Receive your interest and repayments straight into your account every month
Reinvest or withdraw – the choice is always yours

Want a completely hands‑off experience? With the Auto Invest tool, the platform automatically invests your money based on your chosen settings – so you can grow your wealth passively.

Why now? The Changing Financial World

P2P investments are not a short-term trend, but part of a fundamental shift. The traditional banking world is losing interest. Funds and advisors appear opaque. At the same time, the desire for direct, transparent, and flexible investing is growing

Lendermarket symbolises this new path:

No paperwork, no bank appointments
No high entry barriers
No hidden fees or incomprehensible products

Instead: full transparency, digital control, and fair access – even with small start-up capital.

Lendermarket at a glance – The most important advantages for European investors

Attractive returns: With an Average Annual Return of over 15% (up to 18% for individual loans), Lendermarket offers significantly more than traditional investment options.

Invest from as little as €10: Even modest amounts can make a difference. Perfect for beginners.

100% Buyback Guarantee: If a borrower defaults on a loan, the lender automatically assumes repayment, including interest. This adds an additional level of peace of mind. Learn more.

Automated investing with Auto Invest: This tool takes over your entire investment strategy based on your specifications. Less effort, more efficiency. Learn more.

Clear dashboard: The user-friendly interface shows you in real time:

Where your money is invested
How high your returns are
Which repayments have already been received
How is your portfolio performing

Always within reach: in the office, on your way to a meeting, or out in the field – you always have an overview.

€10 starting bonus: New investors receive a welcome bonus of €10 – immediately after registration.

Who is Lendermarket best suited for?

Lendermarket is built for both financial professionals and individuals in Europe who value transparent and secure investing

Self-employed and freelancers who build up monthly reserves
Farmers who release seasonal liquidity
Small business owners who want to use surpluses profitably
Savers in rural areas looking for modern investments
Young investors who want to start with small amounts

Invest with Lendermarket today!

Diversify your investment portfolio with peer-to-peer lending. Invest in buyback loans with returns of up to 18%. You can get started with as little as €10.

How Lendermarket can help your business grow

Especially for the self-employed, farmers, and small business owners in Europe, access to liquidity is often a bottleneck for growth

With Lendermarket, you can temporarily invest surplus capital instead of leaving it unused in your account. This way, you generate ongoing income that you can use specifically to further develop your business – for example, for:

Purchase of new machinery or technology
Covering seasonal expenses
Building up reserves for investment phases
Interim financing of smaller projects

Thanks to the Auto Invest feature , you hardly have to spend any time on this – your money works automatically for you. And thanks to the Buyback Guarantee, your risks remain calculable.

This way, you can use your liquidity strategically to sustainably strengthen your company – without having to rely on expensive financing.

Whether you want to invest €10, €100, or €10,000 – Lendermarket adapts to your pace and needs.

A modern investment – even for people with little time

Many investors report how convenient it is to have their investments easily understood, tracked, and flexible. No anonymous funds, no dependence on stock market fluctuations — just tangible loans with clear terms

Especially for people from rural areas in Europe who value stability, independence and transparency, P2P investing offers a real alternative:

Understandable. Digital. Controllable.

It's that easy – start in five minutes

Register for free at Lendermarket
Complete your online identification
Deposit as little as €10
Invest manually or use Auto Invest
Receive monthly repayments and interest

No waiting times. No entry barriers. No bureaucracy.

Your capital deserves a modern solution

Those looking to invest smartly in Europe no longer have to rely on the bank

You need access, transparency, and control – that’s exactly what Lendermarket offers.

Especially for the self-employed, farmers, craft businesses and people in rural areas, it is time to take new paths.

P2P investing isn’t a fringe phenomenon — it’s the future. And it starts at €10.

And it gets even better!

€10 welcome bonus for new members

Sign up today and claim your welcome bonus! Once you create your account, the bonus will be credited and automatically invested via Auto Invest, so you can start generating returns from day one.

The content on this page is for informational purposes only and is not financial or investment advice. Always consult a professional before making investment decisions. Investments carry risks, including loss of principal. We are not responsible for any actions taken based on this content.