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- P2P Lending Platform
- Who it's for
- Community lending teams
Community lending teams
Community lending teams often know their borrowers directly. That familiarity helps with intake, but a request still needs a clear owner, documented amount and independent decision. The app keeps the borrower profile connected to each application, while funding commitments retain the lender reference and their own decision state. The team can see where a case stands without treating an informal conversation as an approval.
How P2P Lending Platform is set up for you
Borrower context
Keep the contact and eligibility note with the correct organization before opening an application.
Decision ownership
Assign the Credit Officer to prepare the request and a separate Independent Credit Approver to decide on the submitted revision.
Funding trail
Attach a lender commitment to its parent request and preserve its submission, review and provider reference.
Service follow-up
Connect the confirmed instruction to an account so provider receipts can be checked later.
Community lending teams often know their borrowers directly. That familiarity helps with intake, but a request still needs a clear owner, documented amount and independent decision. The app keeps the borrower profile connected to each application, while funding commitments retain the lender reference and their own decision state. The team can see where a case stands without treating an informal conversation as an approval.
Start with one operating organization, a small borrower set and a known provider account for each pilot case. Agree how the team numbers requests and records the documents used in review. Rehearse a returned application so the officer can revise it without losing the earlier decision. Then rehearse a commitment whose local approval precedes provider authority; the team should keep those events distinct when speaking with a borrower or lender.
The first servicing cycle should include one exact repayment match and one differing date. Compare the provider event identity, amount, date and account before closing a receipt. Let the Auditor read the case from borrower through provider evidence, including a rejected or unresolved path. That exercise exposes missing assignments and unclear source references before the team expands beyond the pilot.
Features to start with
Funding commitments
Record lender commitments against a loan request and keep the funding decision visible.
Borrower and organization records
Keep each borrower, lending organization and account in the right operating scope.
Loan applications
Keep a requested loan, its owner and its provider outcome on one traceable record.
Roles on the team
- Credit Officer
- Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
- Independent Credit Approver
- Review eligible application revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.
Set up P2P Lending Platform your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.