Quote Originally Posted by leesal View Post
Harmoney accesses the wholesale market, which isn't part of P2P so wont get reflected on RAR.
? They are just another wholesaler, all other wholesalers are shown in the platform RAR graph (which I think is what RMJH meant), so their 'lending returns' will be reflected in the wholesale RAR and platform RAR.

leesal, it sounds like you were originally suggesting something significant has changed in the platform in relation to how wholesale and retail loans are treated? I don't think anything has changed other then a new wholesaler (Harmoney) has joined the platform.

I've not seen any clear info on why loan rates have suddenly dropped, but speculate that Harmoney have dropped a bundle of $'s in and because of their high Funds Available to Outstanding Principle ratio, might be getting the lions share at the moment, however it's never been completely clear to me if the wholesale allocation is treated this way, so I could be wrong.