Brexit. Elections. Talk of a slowing property market. The pessimists amongst us might be forgiven for thinking there’s never a right time to become a peer-to-peer lender, or to start lending to residential property developers.

Regardless of the headlines and political environment, residential housing is still a problem to be solved. And where there’s a problem, optimists see a solution.

People still need places to live, and we’re not building enough.

Cash rates continue to chug along at historical lows.

Banks are still reducing the amount lent to smaller residential property developers.

For me as the head of a peer-to-peer lending business, this all adds up to one thing – opportunity.

The opportunity to apply a flexible approach and exceptionally strong credit structuring skills to find projects with the potential to deliver risk-adjusted returns for our lenders.

It’s not easy, but that’s the approach we’ve taken at Invest & Fund. We work with residential property developers, brokers and experts in credit risk to thoroughly assess every residential development loan we consider. Then we open the doors to our p2p lenders, giving them clear line of sight on every opportunity, and the choice to lend on individual residential property and bridging loans.

So far it’s an approach that’s working. Through election years, referendum votes and the ups and downs of the property cycle we’ve welcomed more than 500+ registered peer-to-peer lenders and lent almost £20 million.

It’s no surprise, but when it comes to peer-to-peer lending, we think it’s always a good time to start. The key is to know what you’re getting, do your homework, find peer-to-peer lending platforms that provide the flexibility to choose loans that match your risk profile. If you start there, you should be at least one step ahead of the pessimists amongst us.

Please remember lending places your capital at risk.

About the author: CEO David Turner co-founded Invest & Fund after a 30-year career as a trader in the City of London, working for various financial institutions including Tullett Prebon and RBS.