About half of my investments in Moolahsense are lost ($15-20k) through defaults and subsequent bankruptcy of the companies taking the loan. And most of these come with personal guarantees from the owner/directors which are useless... Invest at your own risk
Avoid crowdfunding platforms. They promise high returns up to 18% pa but default rates are high too. Companies which you lend money to are often cashflow strapped and you have a high chance of losing your money.