Their "solid financials" don't change the fact that their "guarantee" is entirely based on speculative investments. If the returns are lower than expected they can't fulfill the "guarantee."

I say this as someone who invests in P2P loans. They are speculate investments.

Man, you really don't like this company for some reason. It's more like a bank than a pyramid scheme, except they have higher reserves. Sure, theoretically something could happen and all their customers may default on their loans, but by your logic even cash is "speculate" because your house could burn down.