In an environment as active as a lending platform, you bump into all sorts of loan requests spread across a number of different lending options. You can spread your investments across these options and stand to gain by reducing the risk of loss and increasing your overall investment volume. Also, you boost your turnover and money circulation around various lending drives. In essence, the trick is to avoid funding any loans in full. That way, you reduce the amount of your money exposed to a single risk. If one loses a small amount, the interest gained from the rest can always cover it and cushion you from a net loss.