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Compare Peer To Peer Lending

P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.


Compare Platforms

Pit two platforms head to head to see how that compare! Select two platforms in the drop-down menus below to view a full comparison.

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  • Crowd2fund Sponsored

    Crowd2Fund is a peer-to-peer lending company, building long-term relationships between investors and the great British businesses they invest in. As a sophisticated private investor, you choose which entrepreneurs to lend money to and can even receive rewards from the businesses you back. They believe in fast flexible funding to meet today’s demands for fast-growing carefully selected businesses and offer four different investment products Loan, Revenue Loans, Bonds and Equity which are available for investment for terms of 2-4 years.   An Innovative Finance ISA is available with potential tax-free earnings from 6% - 15% APR before fees and bad debt. Crowd2fund charges campaign creators of successful Debt Campaigns that ..

    Name
    Loan

    IFISA
    1

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to15.00%

    Name
    Revenue Loans

    IFISA
    1

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to15.00%

    Name
    Bonds

    IFISA
    1

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to15.00%

  • BLEND Network Sponsored

    Blend is a P2P lending platform that lends against property assets. The company performs enhanced due diligence on all loans and in the unlikely event a borrower defaults, Blend will step in and help to recover the lender's contributions. Blend gives investors access to potential average returns of 10% by investing a minimum of £1,000. There are no fees for investors, only borrowers. A secondary market option is available and 0.6% fee applies for trading using this service. All loans are secured against UK properties.

    Name
    First charge development finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12.00%

    Name
    First charge bridging finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12.00%

    Name
    First charge refurbishment finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12.00%

  • FOLK2FOLK Sponsored

    FOLK2FOLK is a peer to peer lending platform specialising in loans secured against UK land and property with a focus on farming and rural businesses.  With the launch of “The Local Lending Movement,” Folk2folk is on a mission to help build and sustain socially and financially successful rural communities, by creating ecosystems on a local level that facilitate rural business growth on the ground.  They have built relationships with other interested parties such as local authorities, MPs, Chambers of Commerce, Local Enterprise Partnerships, leisure and tourism platforms, charities and banks – with whom they have an increasingly symbiotic relationship. Lenders can earn up to 9% p.a. interest on the capital they..

    Name
    Standard Investing

    IFISA
    1

    Term (months)
    6 - 60

    Minimum investment
    £20,000

    Est. interest
    up to9.00%

  • Relendex Sponsored

    Relendex is a peer-to-peer (P2P) commercial real estate lending platform. All funds lent on the Relendex exchange are secured on UK commercial property. 
  • British Pearl Sponsored

    A property investment platform for users to invest in shares or loans within the UK property market. As an asset manager, the company does not involve any intermediaries and instead manages all the properties through its own platform. British Pearl properties include rental, buy-to-let and developmental opportunities for investors to contribute towards.  A Resale Market feature can be used for investors who may need access to their funds before the investment end date. This allows investors to sell their shares or loan holding to other investors on the platform, as well as buy investments they missed out on within the main market.

    Name
    Shares in Property

    IFISA
    1

    Term (months)
    36 - 60

    Minimum investment
    £300

    Est. interest
    up to9.50%

    Name
    Property Loans

    IFISA
    1

    Term (months)
    36 - 60

    Minimum investment
    £1

    Est. interest
    up to4.30%

  • Rebuilding Society Sponsored

    rebuildingsociety.com is an online peer-to-business lending platform, bringing together UK businesses looking for loans with individuals looking to make a better return than through their savings by lending to businesses. Buyback guarantee is available and a premium product with this company.  If a microloan falls into arrears by more than 60 days, the vendor will buy it back. This gives the lender reduced capital risk and in exchange, the lender will receive a reduced return. An automated lending tool BidPal is available on the website which enables the lender to preset their preferences, for example, the risk band of the loan.
  • Crowdstacker Sponsored

    Established in May 2014, Crowdstacker is an FCA regulated Peer to Peer lending platform that allows people to lend to British businesses via bonds, loan notes and peer to peer loans.
  • Kuflink Sponsored

    Kuflink is an award-winning online P2P property investment platform that unites professional borrowers with savvy lenders.  They have three investment products Select-Invest, Auto-Invest and an Innovative Finance ISA with interest rates up to 7.2% p.a. All investments are secured against UK property and there is a choice of auction purchases and new housing developments to invest in. Kuflink can also co-invest 5% alongside the lender for the Select Invest product.  Lending terms start at 3 months, with a minimum investment of £100. Kuflink does not charge any fees for creating an Investor Account or lending through the platform.  They may charge a Servicing Fee directly to the borrower, which is included in the inte..
  • Homegrown

    Homegrown matches investors with established mid-sized developers. They also provide developers with a way to raise equity finance that will enable them to build homes. 
  • Property Crowd

    Property Crowd is a property investment platform that is aimed at institutional and professional investors. This type of deal flow is normally only available to institutional investors.  The platform's dashboard allows the lender to select from individual investments and is updated regularly.  Each property investment has comprehensive deal documentation such as a detailed surveyor valuation report and bond term sheet.  There is a low minimum investment of £900 with shorter terms of 6 – 24 months and all the due diligence is supported by international law firms. Property Crowd offer three types of investments Senior debt, Mezzanine Debt and Equity Funds can be withdrawn once requested within 5 working days P..
  • CapitalRise

    CapitalRise offer investors access to prime real estate development investment. With tax-free returns available through their Innovative Finance ISA, these investments fund some of the finest real estate in London and the Home Counties. Borrowers can choose between three different loan types to suit their specific needs. Capital Rise's business model allows the company to offer low cost finance compared to traditional methods. They can also provide tailored loans with flexible terms for complicated projects. CapitalRise was set up with a clear mission: To disrupt the old way of investing in property and give investors easy and direct access to prime property development investments with attractive potential returns. The CapitalRise foun..
  • The Housecrowd

    The Housecrowd is a peer-to-peer lending and property crowdfunding platform. They offer loans and investments secured against UK land or property assets. Their mission is to simplify property investment and make it accessible to all people to build a better financial future.  The platform offers seven forms of investment Secured Peer To Peer Lending, The Innovative Finance ISA, Property Development Funding, Auto-Invest, Mezzanine Finance, THC Fusion Account, and a SIPP option. 
  • Growth Funders

    Growth Funders develop and operate an online co-investment and peer-to-peer (“P2P”) platform, which is utilised to create investment opportunities.
  • Funding Circle

    Funding Circle is one of the first P2P lenders (est. 2009) for business loans. They have helped 54,000 small businesses across the world, and 83,000 investors have lent £5.8 billion through Funding Circle. Investment products They offer two investment products; Balanced where the lender can earn a projected return of 4.5 – 6.5% p.a before tax and Conservative where the lender can earn a projected 4.3 – 4.7% p.a. before tax. With either lending option Funding Circle automatically lends funds to relevant businesses with the use of their lending tool, which automatically lends small amounts over hundreds of different businesses. If the lender chooses to keep their auto tool on then earned funds can be reinvested to maximi..

    Name
    Conservative

    IFISA
    1

    Term (months)
    6 - 60

    Minimum investment
    £1,000

    Est. interest
    up to4.70%

    Name
    Balanced

    IFISA
    1

    Term (months)
    6 - 60

    Minimum investment
    £1,000

    Est. interest
    up to6.50%

  • Loanpad

    Loanpad is on a mission to give investors a simple, smart way to make more of their money.  They have an innovative structure that lends through shared short-term property loans. By partnering with established property lenders the platform states “Our innovative structure effectively shields our customers from much of the risk of peer-to-peer lending by partnering with established property lenders, who take on both higher risk and return.” Loanpad charges no upfront fees to customers, instead, they take a portion of the interest earned from borrowers. All loans are secured against property and invested monies are spread across all loans in their portfolio at any one time They have two lending products Classic and Premi..
  • Octopus Choice

    Octopus Choice (Part of the Octopus group) is a peer to peer lending platform that lets you invest in property-backed loans.  Their target interest is 4%p.a and is paid monthly.  Octopus invests alongside the lender in every loan and quote “You'll get back your initial investment before us, and earn your interest before we earn any.” All loans are sourced by Octopus Real Estate who have lent nearly £4bn since 2009. A minimum investment of £10 is required but there is no maximum.  Lenders have the option of reinvesting their interest or have it paid into their bank account.  There is a choice of investing via their General Account and an IFISA. Octopus’s platform spreads the investment a..
  • HNW Lending

    HNW Lending is a Peer to Peer Asset-based lender. They collect money from individuals and businesses to lend to other individuals and businesses. HNW takes security over an asset to back up a loan so that, if required, They should be able to sell that asset in order to pay back the loan before they need to then chase the borrower and any guarantor for the debt.
  • Ratesetter

    RateSetter is a P2P lender established in 2010. They offer business loans, personal loans, and property loans. If you choose to lend money via Ratesetter they offer five different investment products Everyday Investing Access, Everyday Investing Plus, Everyday Investing Max, IFISA and SIPP.  Lenders' interest is paid on a daily bases. Monies lent through Ratesetter are not covered by the FSCS. Although, RateSetter operates a provision fund that can pay out if a borrower defaults on their loan repayments, this facility is given at the discretion of The Provision Fund and may not pay out the full amount. The website states that to date “The Provision Fund has a 100% track record over 9 years.”  Here is a link for a m..
  • MarketFinance

    MarketFinance is a peer-to-peer lender specialising in invoice financing. They offer a variety of different invoice financing solutions such as; Selective Invoice Discounting, Confidential Invoice Discounting and Contract Finance. They now also offer business loans. MarketFinance does not charge investors fees for transactions taking place on the platform, Investors only pay fees on the profits they earn.
  • LendingCrowd

    LendingCrowd is a P2P lender that offers business loans from £5k to £500k over 6 months to 5 years with interest rates starting from 5.95%. Funds can be raised quickly and will be charged transparent fees from 4%. Lenders can distribute their monies in creditworthy UK businesses which potential earnings from 5.6%. Minimum investments start from £20 and there is a 1% annual fee, which is charged when the borrower repays. Withdrawal fees also apply. There are 3 products on offer for investors that are also IFISA eligible.
  • YesGrowth

    Yes Growth works with a select group of specialist lenders to build and manage diversified portfolios of short term SME. They give access to investors across a variety of sectors and loan types; including working capital loans, invoice finance, supply chain finance, trade finance and real estate bridging loans. They demonstrate track records of generating consistent quarterly income returns with capital preservation for their investor clients.
  • Archover

    ArchOver is a peer-to-peer lending platform that offers SMEs a more flexible way to raise working capital. They have helped Lenders invest  £110 million to British businesses. They also offer a Research & Development Advance lending service; all loans are secured against the borrowing business' assets. A Lender can invest on a loan-by-loan basis in multiples of £1000 with terms from 3 months to 36 months or increments of £250 via their automated Investment Plan over a 26 months period. All interest is paid monthly from the loan drawdown date. An Innovative Finance ISA is available with all the opportunities with tax-free on savings up to £20,000 ArchOver has a wind-down plan in place if for any reason t..

    Name
    Secured & Insured

    IFISA
    1

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to7.75%

    Name
    Secured & Assigned

    IFISA
    1

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to7.75%

    Name
    Secured

    IFISA
    1

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to8.00%

    Name
    Bespoke

    IFISA
    1

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to9.00%

    Name
    Research & Development Advance

    IFISA
    1

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to9.50%

  • Futurebricks

    Futurebricks are looking to democratise real estate investments by giving small to medium-sized property developers access to funding. This allows investors access to asset-backed property investments. When choosing an investment, the lender can view each project and their: investment summary, financials, planning permission, borrowers track record, location and book a site visit. The platform provides access to a dashboard, this is where lenders can manage and monitor their investments.  Regular updates are provided on the dashboard, from the inception to the final stages and completion of the development.
  • Money & Co

    Money & Co is a peer to peer lending platform that offers flexible business loans from £50k up to £3m for working capital. They connect SME businesses that are looking for a loan with lenders who are looking to maximise returns on their capital.  This platform uses a loan bidding system, where you can bid from £10 per loan until the auction closes.  Thus giving the lender the opportunity to spread their risk over multiple loans.  Once the auction closes funds will be distributed on a monthly bases to the lenders.
  • LandlordInvest

    Founded in 2014, LandlordInvest created this platform aimed at solving the major issue facing landlords: financing. They combined their passion for real estate investing with technology to evaluate landlords based on their actual performance, not personal credit and in turn giving investors access to asset-backed investments with a monthly income and the opportunity to earn interest between 5–12% per annum. Interest can be serviced, retained or a mix of the two.  If interest is serviced, they will pay interest into the lenders, account once they have received the interest payment from the borrower and deducted the servicing fee. If interest is retained they will pay interest into the lenders account on the interest due date. T..
  • CrowdProperty

    Founded in 2014, CrowdProperty is a specialist property peer-to-peer lender to SME property professionals. CrowdProperty has been FCA authorised and regulated since the 1st November 2017; the business is the first and only property development / bridging member of the Peer-to-Peer Finance Association (P2PFA) and is Brismo Verified. The company has repaid over £20m to its 9,000+ investors, with a 100% payback record. CrowdProperty has lent more than £55m to borrowers to fund over 800 homes. The CrowdProperty Shield means the business will perform stringent due diligence checks on property developers, as well as any of their partners. All project loans are subject to 1st Charge security as a protection against any defaults.

    Name
    Standard Investing

    IFISA
    1

    Term (months)
    6 - 24

    Minimum investment
    £500

    Est. interest
    up to8.00%

  • Assetz Capital

    Assetz Capital is a peer-to-peer lending platform. They connect investors with small businesses and property developers who are looking to borrow money. Your investments are used to give them secured loans, backed by their assets.

    Name
    Quick Access

    IFISA
    1

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to4.10%

    Name
    30-Day Access

    IFISA
    1

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to5.10%

    Name
    Manual Lending

    IFISA
    1

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to8.07%

    Name
    90 Day Access Account

    IFISA
    1

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to5.75%

  • Lending Works

    Lending Works is a peer-to-peer lending platform that connects people that want to invest their money with borrowers who are looking for a better rate on their personal loan, so both can get a better deal. 
  • Proplend

    Proplend is an online marketplace offering investors rates of risk-adjusted returns. All loans are supported by a 1st charge on commercial properties in the UK. Loans are split up to three Tranches; Tranche A (0-50% LTV) had an average annualised return of 7.40% for the last 12 months (after fees, before bad debt and taxes). Tranche B (51-65% LTV) had an average return of 9.94% pa and Tranche C (66-75% LTV) had an average return of 12.35% pa over the same period.
  • Growth Street

    Growth Street is a P2P Lending Platform that offers flexible working capital finance to businesses giving Lenders get the opportunity to earn 5.3% p.a. on their investments.  All borrowers must be profitable with a need for working capital and been trading for at least 15 months. The minimum amount you can invest is £10 and Growth Street display how long it will take for your money to be matched with a borrower on their website in the “Matching” area. All their loans are 30 days in length; this means the investor should only have to wait a maximum of 30 days from giving the notice to access the money they have invested.  Monies can be withdrawn from the platform using the auto function.  The withdrawals ..
  • Funding Empire

    Funding Empire are an online platform that connects new and existing businesses seeking loans, with individuals who want to lend their money out. 
  • Zopa

    Zopa built the first ever peer-to-peer (P2P) lending company in 2005 to provide access to simple, better-value loans and investments. They have since helped hundreds of thousands of customers take the stress out of money by building a business on honesty, transparency and trust. To better manage money, Zopa want to give their customers access to a range of products and tools by launching a different type of bank.

Disclaimer

The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

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