Is my lending guaranteed? April 16, 2019 09:03 Updated Follow No. Lending through a P2P platform is not risk-free and Lendy does not guarantee that your capital will be returned. Please see our information on Managing Risk here. Related articles When the borrower repays the loan, what happens to the capital? Where is the risk? What return can I expect? What is your debt recovery strategy? What happens to my lending if I die?