year Bank P2P lending Bank n lenders n deposits = S$30,000
@ 1.5% interest rate SME(borrower) S$30,000 loan @ 8% ~S$30,450 repayment in 1 year Return of 6.5% or S$1,950 ~S30,500 or 1.5% RETURN 4 Capital Match Lender 1 Lender 2 Lender 3 SME(borrower) Loan syndication on behalf of the lenders S$30,000 loan @ 6.3% 1%+ underwriting fee = S $300-400 S$5,000 loan @ 7% S$5,000 loan @ 7% S$20,000 loan @ 6% ~S$31,900 repayment in 1 year ~S$31,500 repayment 20% commission on returns = S$400 ~S20,960 or 4.8% ~S$5,280 or 5.6% ~S$5,280 or 5.6% 1% provisional fund = S$300 Provis. Fund