Other People's Money
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OPM Capital

P2P / Crowdfunded Debt Capital

Raise $10–100k at 8–12% to deploy into 20%+ CoC deals.

Overview

Raise capital via Prosper, LendingClub, Kiva, GoFundMe (personal), or private notes from friends/family/network at 8–12% fixed rate. Deploy into higher-yielding opportunities (20%+ cash-on-cash real estate, business, or arbitrage plays). Interest-rate spread is your profit. Securities laws apply for anything beyond friends/family (Reg CF, Reg D) — consult attorney above small friends-and-family notes.

Best fit
Deal-flow operatorsNetworked entrepreneursCredit-limited borrowers
Estimated impact
8–15% arbitrage spread on borrowed capital

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.

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