How to build peer-to-peer lending in Bubble

A simple, valid way to build peer‑to‑peer lending in Bubble is to create three main things: a Loan data type to store requests, a way for borrowers to create a loan request, and a way for lenders to fund it using a real payment provider like Stripe Connect. Borrowers never receive money directly from a lender; Stripe handles the flow legally and securely. Bubble workflows connect these steps: creating loans, reserving funds, releasing funds, and tracking repayments.

Core Structure

You need three main Bubble data types:

• User (built‑in): add fields like “is\_lender”, “Stripe Account ID”.
• Loan: amount, status (requested, funded, repaid), borrower (User), lender (User), due\_date.
• Repayment: loan, amount, paid\_on.

This structure keeps each action traceable and lets privacy rules restrict who can see what.

Borrower Creates a Loan

You use a normal page form. When user clicks “Request loan”, run a workflow “Create a new Loan”. Set status to “requested”. Borrower does not connect any payment account.

Lender Funds a Loan

Lenders must have a Stripe Connect account. In Bubble, use the Stripe Plugin (Stripe.js) or API Connector with real Stripe Connect endpoints. The lender clicks “Fund this loan”, which triggers a payment workflow where:

• You charge the lender.
• The money is transferred to your platform’s Stripe balance (not directly to borrower yet).
• Update the Loan with lender and set status to “funded”.

// Example Stripe Connect charge (API Connector POST)
// This is a simplified, real endpoint
{
  "amount": 50000,
  "currency": "usd",
  "source": "<token-from-Stripe.js>",
  "transfer_group": "loan_123"
}

Releasing Funds & Repayments

Once the loan is approved, use a backend workflow to send money from your platform account to the borrower’s connected account (Stripe Connect transfer). For repayments, run scheduled backend workflows that:

• Charge borrower (Stripe subscription or manual charge).
• Create a Repayment entry.
• Transfer received funds to lender’s Stripe account.

Privacy Rules

Set Loan so only lender and borrower can see details. In Data → Privacy, create a rule: “When Current User is Loan’s Borrower or Lender → view all fields”.