I think retailers say that the profit margin in home delivery is lower than the customer coming to the shop, so it gives volume but not much to profit.
It's perfectly normal to have some bad loans, so I expect them on all platforms, consequently I'm prepared to lose a certain %age of what I p2pinvest. I'm a mini A.C. & Loanpad shareholder, lender on A.C. & Zopa. Investor on Seedrs260 My AC Readings & AC PFs
Iceland just called at 102.5 plus accrued interest and the cash is back in my account, this one has been a tidy little earner for me
There is a new listing but the interest rate is 4.x% instead of nearly 6% previously (makes sense that they called it then!), not sure if my risk appetite includes high street retail at sub 5% even if it has had a stellar recent performance