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  2. Type of Investors in P2P agreements

Who are Everyday/Retail/Restricted investors? How much can they invest in peer to peer lending?

Everyday/Retail or Restricted Investors are those who do not have much experience because this is their first or second investment on a P2P platform.

Therefore, they can only invest a relatively small amount into P2P until they have a better grasp of the possible risks. On this occasion 'relatively small' means no more than 10% of their net investable assets* for the next 12 months.
* Excluding the value of their home and any of their pension-related savings.
 
They must also agree to the following statement when they accept being an "Everyday Investor". 
“RESTRICTED INVESTOR STATEMENT
I make this statement so that I can receive promotional communications relating to P2P agreements as a restricted investor. I declare
that I qualify as a restricted investor because:
(a) in the twelve months preceding the date below, I have not invested
more than 10% of my net assets in P2P agreements;
and
(b) I undertake that in the twelve months following the date below, I
will not invest more than 10% of my net assets in P2P agreements.
Net assets for these purposes do not include:
(a) the property which is my primary residence or any money raised
through a loan secured on that property;
(b) any rights of mine under a qualifying contract of insurance; or
(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement
and to which I am (or my dependants are), or may be entitled; or
(d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).
I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property
invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on P2P agreements.