In this video, we speak with Marc-Antoine Caya, Co-Founder and CEO of goPeer, Canada’s first regulated peer-to-peer lending platform. Marc shares expert insights on how peer-to-peer lending works, how investors can participate, and what’s shaping the future of this fast-growing fintech sector.
Who is goPeer?
goPeer is a Canadian fintech company revolutionizing how people borrow and invest money. By connecting everyday borrowers directly with investors, goPeer makes it possible for Canadians to access affordable personal loans while giving investors the opportunity to earn steady returns – all through a safe, transparent, and fully digital platform.
As Canada’s first regulated P2P lender, goPeer combines technology, compliance, and community to create a fairer financial ecosystem — one that benefits both sides.
1. What is Peer-to-Peer Lending?
Marc explains that peer-to-peer lending (P2P lending) is a model where individuals borrow money directly from other individuals instead of banks or traditional financial institutions.
In simple terms:
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Borrowers apply for personal loans online through goPeer.
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Investors can fund all or part of those loans, earning interest as borrowers repay.
It’s a win-win – borrowers enjoy competitive rates and flexible repayment options, while investors earn passive income through diversified portfolios of consumer loans.
To explore lending and borrowing options, visit the Personal Loans section on Smarter Loans.
2. How is Peer-to-Peer Investing Different?
Unlike traditional investing, where funds go into stocks or mutual funds, peer-to-peer investing allows individuals to directly invest in loans to real Canadians.
Marc emphasizes that goPeer’s platform uses data-driven risk analysis and credit modeling to ensure every listed loan meets strict approval criteria. Investors can view each loan’s risk grade and expected return before committing funds.
This makes P2P investing an accessible, transparent, and modern way to diversify income streams while supporting the real economy.
To estimate potential returns, try our Investment Growth Calculator.
3. What’s Happening in the P2P Lending Industry?
According to Marc, peer-to-peer lending is on the rise in Canada, following the success of similar platforms in the U.S. and Europe.
Canadians are increasingly seeking alternative financial products that are faster, fairer, and more transparent than traditional banking options. Platforms like goPeer are filling that gap by combining fintech innovation with trust and regulation.
As more investors join the marketplace, the ecosystem continues to grow – bringing Canadians together in a shared financial community.
Our Take
Peer-to-peer lending is reshaping how Canadians think about borrowing and investing. With leaders like Marc-Antoine Caya and companies like goPeer, the future of lending looks more inclusive, data-driven, and community-focused than ever.
Watch the full video above to learn how P2P lending works and how you can get involved.
Visit goPeer’s profile on Smarter Loans to learn more or start your application today.
Video by:
Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.
