RealTimeMoney (“RTM”) is a community-focused peer-to-peer (“P2P”) lending marketplace that offers a platform for P2P lending. RealTimeMoney helps bring borrowers and lenders directly in contact with each other, thereby removing intermediary costs, helping borrowers access credit at lower costs and enabling lenders to realise higher returns in comparison to traditional investments. RealTimeMoney uses technology to facilitate the entire process –from loan origination through to loan closure - via a fast-tracked and easy-to-use interface and minimal human intervention. Our goal is to make lending and borrowing a safe, convenient and enjoyable experience for all.