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P2P lending provides investors 10% returns but what is the catch?

P2P lending provides investors 10% returns but what is the catch?
By Shaun Drummond

36 months ago, Stuart O’Brien, leader of brand design business Houston Group, took a punt on his customer, the then fledging lender that is peer-to-peer, after he had been commissioned to style its logo design.

He previously big money in money and SocietyOne promised a return as high as 10 percent per year – almost 3 times a term that is average – if he effortlessly became a bank making unsecured loans through the platform to many other people. […]