How to build peer-to-peer lending in Bubble

Go to the Data tab and create three data types. LoanRequest with fields: borrower (User), amount (number), interest_rate (number), term_months (number), purpose (text), status (Option Set: Open, Funded, Active, Completed, Defaulted), and funded_by (User). Repayment with fields: loan (LoanRequest), due_date (date), amount_due (number), amount_paid (number, default 0), status (Option Set: Pending, Paid, Overdue). UserProfile with fields: user (User), credit_score (number), total_borrowed (number), total_lent (number), and completed_loans (number).

Create a page called request-loan. Add inputs for loan amount (number), term in months (Dropdown: 3, 6, 12, 24), and purpose (text). Display a calculated interest rate based on the borrower's profile: for example, base rate 5% + adjustment based on credit_score. Show a preview of monthly payment calculated as: amount * (1 + interest_rate/100) / term_months. Add a Submit Request button. The workflow: Create a new LoanRequest with all values, status = Open, and borrower = Current User.

Create a page called invest showing a Repeating Group with type LoanRequest filtered by status = Open, sorted by date created descending. Each cell displays: borrower name (or anonymized ID), amount requested, interest rate, term, purpose, and borrower's credit score. Add a Fund This Loan button in each cell. Add filter dropdowns for amount range, term, and minimum credit score. Use constraints on the search to apply filters with Ignore empty constraints checked.

When a lender clicks Fund This Loan, trigger a Stripe payment for the loan amount. On payment success: Make changes to LoanRequest — set status = Funded, funded_by = Current User. Then create a backend workflow called generate_repayment_schedule with parameter loan_id. This workflow calculates the monthly payment amount and creates Repayment records for each month: due_date = loan start date + N months, amount_due = calculated monthly payment, status = Pending. Schedule this backend workflow immediately after funding.

Create a page called my-loans showing two tabs: As Borrower (loans where borrower = Current User) and As Lender (loans where funded_by = Current User). For each loan, show a Repeating Group of Repayments sorted by due_date. Display due_date, amount_due, status (with conditional coloring — green for Paid, yellow for Pending, red for Overdue). For borrowers, add a Pay button on Pending repayments that triggers Stripe checkout for the amount_due and updates the Repayment status to Paid on success.

Create a backend workflow called check_overdue_repayments. It searches for Repayments where status = Pending and due_date < Current date/time. For each, change status to Overdue. If a loan has more than 3 overdue repayments, change the LoanRequest status to Defaulted. Schedule this workflow to run daily. For complex financial platforms requiring regulatory compliance and advanced risk assessment, consider reaching out to RapidDev for expert development support.