“The Beehive process was very transparent with a clear timeline, making it much more professional, robust and also quicker and cheaper.”

Vishaal S. Shah, CEO, Panache International, Dubai

Peer to peer lending on Beehive

Peer to peer (P2P) lending is a form of crowdfunding and refers to investors providing finance to businesses without the use of a conventional intermediary, such as a bank. P2P lending uses the internet as a platform to reach a crowd of hundreds of potential investors.


Small and medium sized enterprises (SMEs) represent a large percentage of many developed economies but they can often find challenges in securing finance from conventional sources, such as banks.

New technology in finance has created the fintech (financial technology) industry. Fintech businesses are online businesses that provide services in a faster, cost effective and more streamlined manner. Innovative alternative finance, such as peer to peer lending, aims to help plug the SME finance gap.


It is already a proven and highly successful concept in the US and UK, where it has created exciting new opportunities for investors, faster access to finance for SMEs and a healthy contribution to economic development. Global P2P lending is forecast to deliver $300 billion by 2020.

Our process

On Beehive, our online platform directly connects creditworthy businesses looking for funding with investors looking to support their growth. Applying the innovative technology of peer to peer lending dramatically reduces the cost, complexity and long timelines often associated with conventional finance. These savings are then passed on to the investors who get better returns and the businesses who get faster access to lower cost finance.

How to sign in Icon

Business applies for finance on Beehive

Beehive approved business icon

Approved business listed on our marketplace

14 days Auction Icon

Reverse auction opens for 14 days

Beehive Investors icon

Investors place bids to fund investment request

Competitive Bidding Icon

Competitive bidding drives % rate down

Business Aceept Cash Icon

Auction closes, business accepts offer

Beehive Investor Repayment Icon

Investor receives monthly repayments & profit

All approved business funding requests are listed on the Beehive marketplace and a reverse auction is opened for 14 days. During this time Beehive investors competitively place bids of different amounts and at different percentage rates to fund the investment request. Only the most competitive bids are successful, thus driving down the percentage rate and the cost of finance. Even if the auction is 100% funded, investors can still get involved and place a bid. As investors enter the online auction and place more competitive bids, the less competitive bids may get bumped out of the auction. This means the investor bids that have been bumped out will need to place a new, more competitive bid to stay in the auction, or they can activate Diversification+ on their account which automatically re-bids on their behalf at a more competitive rate.

If the business is 100% funded before 14 days, they can take the money early, but staying on the marketplace for the full 14 days often allows for more competitive investor bids to drive the cost down further.

For Investors

Introducing Beehive

For Businesses

For businesses

What our customers says

Jan Hendrick - Beehive Investor

“The Beehive platform offers a clear win-win: the opportunity to support the growth of SMEs, and the local economy, as well as achieving attractive returns in a low interest environment. I really like the functionality & transparency of the platform; it’s very convenient and easy to use.”

Jan Hendrik

Beehive Investor

Shahriar Khodjasteh - Chairman DDE

“Our financing with Beehive was achieved via a very simple but thorough process and we secured a fantastic rate due to their innovative approach.  We would strongly recommend any smart business to approach Beehive for their funding requirements.”

Shahriar Khodjasteh

Chairman of DDE