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Jon Sarvis

The concept of peer-to-peer lending is simple: Match an individual borrower with a willing lender. However, predicting the future of this alternative solution is slightly more complicated.

According to a recent report by the Federal Reserve Bank of Cleveland, P2P lending has been growing about 84% each quarter. But is this growth sustainable?

Because the solution purports to fill a lending gap by giving consumers unable to secure traditional loans another option, it has raised more than a few eyebrows. After all, solutions for the newly coveted underserved consumer are becoming somewhat hot commodities.

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