First of all we require access to the statistics they have on defaulted loans, late loans, loans funded. We would usually also have access to historical records.
Mostly this won't be a problem, because by far the largest proportion of p2p loan platforms we are interested in at this point has existed for many years, and have proven track records.

If we are dealing with a sketchy platform, we would most probably have a limited trial period with selected "betatesters" or something like that.Then we will be able to see how they perform
with our own datapoints.