Peer to peer lending is the best thing I have found this year. You can get around 5 to 7 percent interest and you don't need a large amount of capital. With all the other financial markets so volatile right now this is a pretty solid rate of return. There are always risks of default that you will need to consider, but most platforms allow you to mitigate that with automated diversified portfolios.
Careful though, you can quickly be picking up pennies in front of a steamroller. It's a low amount of interest for unsecured debt and when you don't get the principal back that 5-7% suddenly seems not so high. And "automated diversified portfolios" is exactly what mortgage backed securities were a decade ago. Look how that turned out.
Meanwhile, LC was alive in '08, and you can look at how their notes performed. Investors lost single digit percentages. In other words, they beat S&P by a lot.