 Some have called for standardization of the terminology in a way that distinguishes the practice from other forms of crowdfunding.Debt crowdfunding, also known as peer to peer lending or peer to business lending, allows a group of lenders to lend funds to individuals or businesses in return for interest payment on top of capital repayments.Borrowers must demonstrate creditworthiness and the capability to repay the debt, making it unsuitable for NINA or startups.