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Build Peer-to-Peer Lending Platforms with Smart Automation

Create secure, scalable peer-to-peer lending platforms for borrowers and investors—fully customizable and regulation-ready with DrapCode.

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Democratize Lending with Digital P2P Platforms

Peer-to-peer lending platforms are transforming finance by directly connecting borrowers with individual or institutional investors. With DrapCode, you can build your own best peer-to-peer lending platform—equipped with borrower verification, risk-based pricing, and repayment automation—without traditional technical complexity.

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Investor-Friendly Lending Marketplace

Whether you’re launching a peer-to-peer lending platform for investors, enabling fractional loan investments, or automating borrower onboarding, DrapCode’s no-code environment lets you go live faster. Easily customize investor dashboards, credit scoring logic, and EMI schedules while ensuring KYC and regulatory compliance.

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Key Features of Peer-to-Peer Lending Platforms

Borrower Onboarding

Customizable registration, KYC document uploads, and automated creditworthiness checks using third-party APIs.

Investor Matching Engine

Match investors to borrower requests using configurable filters such as tenure, interest, and loan type.

Risk-Based Pricing Logic

Automatically calculate lending rates based on borrower score, loan purpose, and platform rules.

Real-Time Wallet Management

Track balances, escrow deposits, and disbursements across borrower and investor accounts.

Repayment Scheduling

Automate EMI timelines, reminders, and overdue tracking through workflow automation.

Performance Analytics

Show investor ROI, borrower repayment history, and loan performance via dashboards.

DrapCode is an easy-to-use no-code platform with a drag-and-drop interface, making it accessible for non-developers. The support team is highly responsive and dedicated to user success.

Joseph Young

President - Renew Hope And Healing

We partnered with DrapCode to develop our new Automated CRM using their low-code platform. Outstanding quality at half the price, unmatched speed, and excellent customer service.

Cal Goggans

Founder - A Custom Fit iNMotion

DrapCode stands out as the best. Flexible, scalable, and supported by an expert team. After 3 years on another tool, DrapCode is simply superior.

Cory Nation

President - Embark EMR

Our benefits

Why Build with DrapCode

Zero-Code Deployment

Launch your P2P lending marketplace without writing any code using DrapCode’s visual builder.

Compliance Ready

Integrate borrower KYC, AML workflows, and investor profiling to meet regulatory standards.

Investor Portfolio Tools

Offer ROI calculators, risk summaries, and portfolio tracking for investors.

Modular Lending Architecture

Add education loans, healthcare loans, or SME credit using reusable lending modules.

Real-World Use Cases

Cross-Border Microloans

Use ACHQ to manage payment routing and automate cross-border microloan disbursements and collections.

API-First Wallet Lending

Enable embedded lending using Dapi Open Banking APIs for instant wallet-based loan withdrawals.

Mobile-First Lending for Youth

Build mobile-first P2P lending platforms integrated with Orange Money for education and healthcare finance.

Launch Steps

Design Layout
Configure Workflows
Integrate APIs
Test & Publish

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Step - 1

Design Layout

Select a lending marketplace template or build a custom UI with DrapCode’s visual editor.

Step - 2

Configure Workflows

Add borrower registration, loan creation, investor funding, and repayment automation.

Step - 3

Integrate APIs

Connect ACHQ, Dapi, Orange Money, and other financial or identity services.

Step - 4

Test & Publish

Test investor funding flows, borrower journeys, and launch your platform live.

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Scale Your Lending Ecosystem

With DrapCode, your peer-to-peer lending platform doesn’t end at personal loans. Extend into education, healthcare, or SME financing using shared lending modules across multiple vertical lending platforms.

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