With the entry of Wall Street into P2P, investors hoped to employ one of its tactics to increase returns on their investments. This Wall Street tactic is to securitize loans.

Disruption Credit has planned to securitization of its loan assets in future. If pursued, the company would divide these loan assets into different trances, allowing ease of purchase and possible trading by institutions like insurers and pension funds.

Another company that planned for securitization is SoFi. According to credit market veteran Mike Cagney, who is also the company's founder, SoFi planned to securitize first its P2P student loans come September. Ratings would come from DBRS and banks including Barclays would do the underwriting.

Securitization would involve slicing the loans into pieces for sale. It would provide additional source of capital for further growth in originations. On the other hand, securitization also posed the risk of greater interest risk. Cagney stated that SoFi would wait should rates keep climbing.