Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.
P2P platforms (LendingClub, Prosper, Upstart) sell WHOLE LOANS (not fractional notes) to institutional/accredited buyers at $500K+ tickets. You own the full loan, get all interest, take all default risk. Algorithmic underwriting + platform-provided servicing removes operational burden. Net yields 6–12% after charge-offs, better than fractional notes retail investors get. Best via multi-vintage diversification across 500+ loans. Some platforms offer 'flex' access to sub-$500K deployments via managed accounts.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.