How P2PRadar's Weighted Rankings Work
Understand how P2PRadar ranks P2P platforms with weighted due diligence: the factors, weights, exclusions and capital-at-risk divider.
What the ranking means
Rank 1 is a fixed editorial placement, shown as “Editors’ pick” with a “Partner” label: the platform in that slot is a P2PRadar partner, and P2PRadar may earn a commission from it. Its weighted DD score is visible but does not determine its position. From rank 2 onward, platforms are ordered by weighted due diligence, not headline yield.
The weighted due-diligence score
Regulatory status, ownership, disclosures, investor protections and how easy the structure is to verify.
The length and quality of live operating history, including how stress, defaults and recoveries were handled.
How established the product, reporting, processes and underlying lending model are.
Communication and governance quality, plus material legal, liquidity, repayment or reputation issues.
What does not raise a score
- High advertised returns, bonuses and signup promotions do not raise a score.
- Affiliate status or commission does not raise a score.
- A higher score is not capital protection and does not remove platform, borrower or liquidity risk.
Why rankings and the risk zone can change
Scores change when due-diligence inputs change. After rank 15, the capital-at-risk divider marks platforms where shorter or less-tested history, recovery or liquidity uncertainty, concentration or weaker governance materially increase loss risk. It is a speculative-risk warning, not a fraud label.
How to use the rankings correctly
Use rankings as a shortlist generator, then read the platform review or comparison article, inspect the cited sources, and cross-check the Affiliations & monetization. For broader context about how the site is run, see the About & Methodology.