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Peer to peer lending » Ratesetter vs MarketFinance

Ratesetter vs MarketFinance

Ratesetter Established 2009


  • Back business loans, personal loans and property loans via 3 term periods.
  • Earn interest on your lending using their five investing products
  • Minimum £10 deposit.
  • IFISA available.
  • SIPP available.
  • Provision Fund available.
  • Quicker access to withdrawing funds

* correct as of 10/12/2019


MarketFinance Established 2010


  • Investors can earn returns between 10-12% for business loans and 4-6% for invoice finance.
  • Minimum investment is £50,000.
  • No minimum investment or lock-up period.
  • Can withdraw uninvested funds at any time.

* correct as of 12/11/2019

Borrower rate

* Borrower rate represents the gross interest rate charged to the borrower.

Default rate

* Definition of what represents a default will vary according to each platform * Default value represents loans originating from that month.

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph