The financial crisis has had at least one interesting side effect: the rise of alternative and increasingly creative forms of financing and availability of appropriate share market tips. During the economic recession, and continuing to today, credit and other traditional forms of start-up financing became more difficult to obtain.
Peer-to-peer lending is a process of borrowing directly from individuals; in most instances, the lender and the borrower never meet. There are a variety of ways this happens, but generally, the process is relatively simple: The borrower registers on one of the many peer-to-peer websites and is then matched up with a number of lenders who are interested in investing based on the borrower and the interest rate, among other things.
In the same vein, one creative funding source that has evolved in recent years is crowdfunding. Crowdfunding involves getting individuals to pool their resources to finance a project without a typical financial intermediary, although many intraday calls for today providers resist themselves to suggest this to their clients. Unlike P2P, however, the lenders often do not engage in crowdfunding strictly for financial gain.