- Small Businesses: Small businesses often struggle to secure funding from traditional banks due to stringent requirements. P2P lending provides an alternative source of finance that can help them grow. - Individual Borrowers: Individuals with lower credit scores who need personal loans for various purposes can benefit from the more lenient requirements of P2P lending platforms. - Investors: Investors looking for higher returns compared to traditional savings accounts or bonds can invest in P2P loans, although they should be aware of the associated risks.