How a Solopreneur Built a 50k ARR on Peer-to-Peer Lending

In this episode of Solopreneur Sessions, Lucas and Luna explore how one freelancer built a $50,000 annual recurring revenue stream using peer-to-peer lending platforms. They break down the story of Sarah, a freelance graphic designer who diversified her income by lending to small businesses on platforms like Prosper and LendingClub. Lucas explains the mechanics of P2P lending—how investors earn returns by funding loans to borrowers—and shares Sarah's strategy of reinvesting 80% of her interest earnings to compound growth over two years. Luna challenges the risk profile, pointing out default rates and the lack of FDIC insurance. Lucas counters with data: historical average returns of 5-8% for top-tier notes, and how Sarah mitigated risk by diversifying across 200+ loans. The hosts also discuss tax implications, liquidity constraints, and how solopreneurs can use P2P lending as a passive income complement to active freelance work. The episode closes with a forward-looking question about whether regulation will squeeze retail investors out of the space. #Solopreneur #PeerToPeerLending #PassiveIncome #SarahTheFreelancer #Prosper #LendingClub #FreelanceIncome #Diversification #Investing #Business #FexingoBusiness #BusinessPodcast #SolopreneurSessions #IncomeStream #SideHustle #FinancialIndependence #LoanInvesting #PortfolioStrategy Keep every episode free: buymeacoffee.com/fexingo