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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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  • 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.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £10

    Est. interest
    up to8%

    Name
    Standard Account

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Est. interest
    up to7.8%

  • Kuflink Sponsored

    Kuflink is a P2P property investment platform. They help borrowers get the money they need for their property and provide a platform where investors can invest in properties. 

    Name
    Select-Invest

    IFISA
    Yes

    Term (months)
    3 - 12

    Minimum investment
    £100

    Est. interest
    up to7.2%

    Name
    Auto-Invest

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £100

    Est. interest
    up to7.00%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12 - 60

    Minimum investment
    £100

    Est. interest
    up to7.0%

    Name
    Secondary Market

    IFISA
    No

    Term (months)
    3 - 18

    Minimum investment
    N/A

    Est. interest
    N/A

  • YesGrowth Sponsored

    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.

    Name
    Unsecured Loan

    IFISA
    No

    Term (months)
    3 - 12

    Minimum investment
    £50,000

    Est. interest
    N/A

    Name
    Secured Loan

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £50,000

    Est. interest
    N/A

  • 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 you lend money to and can even receive rewards from the businesses you back.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to15%

    Name
    Loan

    IFISA
    No

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to6 -15%

    Name
    Revenue Loans

    IFISA
    No

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to6 -15%

    Name
    Bonds

    IFISA
    No

    Term (months)
    24 - 48

    Minimum investment
    £100

    Est. interest
    up to6 - 15%

  • 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
    SSAS Pension Investment

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12%

    Name
    SIPP Pension Investment

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12%

    Name
    First charge development finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12%

    Name
    First charge bridging finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12%

    Name
    First charge refurbishment finance

    IFISA
    No

    Term (months)
    3 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12%

  • 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. 

    Name
    Secured Portfolio ISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £2,500

    Est. interest
    up to6%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £500

    Est. interest
    up to10%

  • 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. A bond, loan note or peer to peer loan launched on our platform can be used to raise up to £50m.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12 - 36

    Minimum investment
    N/A

    Est. interest
    up to7.25%

  • FOLK2FOLK Sponsored

    FOLK2FOLK are a peer to peer lending platform specialising in match-making SMEs looking to access finance to grow, develop or diversify with UK businesses looking to earn a return on their capital (currently from 4.5% p.a. up to 9% p.a.). Loans are secured against UK land and property. 

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £20,000

    Est. interest
    up to9 p.a.%

    Name
    Standard Investing

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £20,000

    Est. interest
    up to9 pa%

  • Growth Street

    Growth Street is a peer to peer lender offering business finance of between £25K and £1m to SMEs in the UK. 

    Name
    Classic Account

    IFISA
    No

    Term (months)
    1

    Minimum investment
    £10

    Est. interest
    up to5.3%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £10

    Est. interest
    up to5.8%

  • 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.

    Name
    Standard Invest

    IFISA
    No

    Term (months)
    1 - 24

    Minimum investment
    £500

    Est. interest
    up to12 p.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.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £5,000

    Est. interest
    up to15%

    Name
    SIPP/SSAS investments

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £10,000

    Est. interest
    up to15%

  • 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. 
  • 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.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £1,000

    Est. interest
    up to5 -12%

    Name
    Classic Invest

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £1,000

    Est. interest
    up to5-12%

    Name
    SSAS and SIPP Pension Investments

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £1,000

    Est. interest
    up to5 - 12%

  • Growth Funders

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

    Name
    Selective Invoice Discounting

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Est. interest
    N/A

    Name
    Confidential Invoice Discounting

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Est. interest
    N/A

    Name
    Contract Finance

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Est. interest
    N/A

    Name
    Business Loan

    IFISA
    No

    Term (months)
    12 - 36

    Minimum investment
    N/A

    Est. interest
    N/A

  • 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
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to4.1%

    Name
    30-Day Access

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to5.1%

    Name
    Manual Lending

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to12.50%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1

    Est. interest
    up to12.5%

    Name
    90 Day Access Account

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1

    Est. interest
    up to5.75%

  • 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..

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12 p.a.%

    Name
    Standard Investing

    IFISA
    No

    Term (months)
    12 - 24

    Minimum investment
    £1,000

    Est. interest
    up to12 p.a.%

  • 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.

    Name
    Growth IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1,000

    Est. interest
    up to6%

    Name
    Income IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1,000

    Est. interest
    up to5.6%

    Name
    Self-Select IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £20

    Est. interest
    up to14.25%

  • 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. 

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    36 - 60

    Minimum investment
    £1,000

    Est. interest
    up to6%

  • 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 £18m to its 9,000+ investors, with a 100% payback record. CrowdProperty has lent more than £50m to borrowers to fund over 700 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
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £500

    Est. interest
    up to8%

    Name
    Pension Lending

    IFISA
    No

    Term (months)
    6 - 24

    Minimum investment
    £500

    Est. interest
    up to8%

  • 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.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £1,000

    Est. interest
    up to7%

    Name
    Loan Auctions

    IFISA
    Yes

    Term (months)
    12 - 60

    Minimum investment
    £10

    Est. interest
    up to6%

  • Funding Circle

    Funding Circle is one of the oldest P2P lenders (est. 2009) for business loans. They have helped 72,000 small businesses across the world. 83,000 investors have lent £5.4 billion through Funding Circle, earning £290 million in interest.

    Name
    Classic Account

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Est. interest
    up to6.5%

    Name
    IFISA Account

    IFISA
    Yes

    Term (months)
    N/A

    Minimum investment
    £1,000

    Est. interest
    up to6.5%

  • 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 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. 

    Name
    Auto-invest

    IFISA
    Yes

    Term (months)
    12 - 36

    Minimum investment
    £1,000

    Est. interest
    up to7%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12 - 36

    Minimum investment
    £1,000

    Est. interest
    up to7%

    Name
    Peer To Peer Lending

    IFISA
    No

    Term (months)
    3 - 12

    Minimum investment
    £1,000

    Est. interest
    up to9%

    Name
    Property Development Lending

    IFISA
    No

    Term (months)
    12

    Minimum investment
    £1,000

    Est. interest
    up to10%

    Name
    THC Fusion Account

    IFISA
    No

    Term (months)
    1 - 6

    Minimum investment
    £3,000

    Est. interest
    up to4.5%

    Name
    Mezzanine Finance

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Est. interest
    N/A

    Name
    SIPP Investment

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Est. interest
    up to9.99%

  • Octopus Choice

    Octopus Choice (Part of the Octopus group) is a peer to peer product that lets you invest in property backed loans. Octopus Real Estate is an experienced property lending specialist which has lent over £4 billion to landlords, property developers and property lenders since 2009.

    Name
    General Account

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Est. interest
    up to4%

    Name
    IFISA Account

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £10

    Est. interest
    up to4%

  • Ratesetter

    RateSetter are 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. RateSetter operates a provision fund which 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 more in-depth look at their Provision Fund The platform makes it eas..

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £10

    Est. interest
    up to5%

    Name
    SIPP

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Est. interest
    N/A

    Name
    Everyday Investing Access

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Est. interest
    up to3%

    Name
    Everyday Investing Plus

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Est. interest
    up to3.5%

    Name
    Everyday Investing Max

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Est. interest
    up to4%

  • Property Crowd

    Property Crowd is a property investment platform that is aimed at the institutional and professional investor. They offer access to investments in property assets that are sourced and managed by asset managers and principal lenders. Property Crowd is owned and operated by Global Alternatives Holdings Limited.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    N/A

    Est. interest
    N/A

  • ThinCats

    ThinCats supports growing SMEs from all sectors by facilitating financial lending and borrowing practices. Their funding model bypasses the banks by connecting investors directly with entrepreneurs.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £1,000

    Est. interest
    N/A

  • Formax

    The Formax Group, founded in 2012. Formax Credit UK Limited is a subsidiary of the Formax Group. The regulated P2P platform provides products that give opportunities to investors and borrowers alike. Formax is designed to ensure both businesses and investors get the best possible deal, no matter how big or small.

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £100

    Est. interest
    N/A

  • 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.

    Name
    Zopa Core

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1,000

    Est. interest
    up to4.5%

    Name
    Zopa Plus

    IFISA
    Yes

    Term (months)
    1 - 60

    Minimum investment
    £1,000

    Est. interest
    up to5.2%

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    1 - 12

    Minimum investment
    £1,000

    Est. interest
    up to5.2%

  • Archover

    Established in 2014, Archover borrowing terms range from 3 to 36 months and loans are for any business purpose, typically raising working capital, replacing invoice discounting or bank overdrafts. Connecting businesses requiring finance with investors seeking a secure and favourable return ArchOver is a peer-to-peer business lending platform that offers SMEs a more flexible way to raise working capital. So far, we have helped our Lenders invest over £110 million to British businesses, providing them with interest of up to 10% p.a. in return. With the exception of our Research & Development Advance lending service, all loans are secured against the borrowing business' assets. As a Lender, you have the power to invest loan-by-lo..

    Name
    IFISA

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to7.75%

    Name
    Secured & Insured

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to9%

    Name
    Secured & Assigned

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to9%

    Name
    Secured

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to9%

    Name
    Bespoke

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to10%

    Name
    Research & Development Advance

    IFISA
    Yes

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Est. interest
    up to10%

  • 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. 

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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