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Compare your peer-to-peer lending options now with the providers who have run the gauntlet of 4thWay’s detailed assessments into their people, data and inner workings.

4thWay is the world’s first ratings agency for peer-to-peer lending. Founded in 2014. Rated 9.005/10 by our users.

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P2P lending has consistently earned lenders with sensible strategies a massively inflation beating return, since it came about in 2005. It has done so much more stably than the stock market, which has seen every third year being a loss year for share investors, after investing costs, compared to no down years for P2P lending!

P2P lending and IFISA reviews

See all our reviews into the P2P lending and P2P IFISA companies that have subjected themselves to hours of interviews with our specialists, provided us with over one hundred data points, submitted large amounts of data and gone through background checks.


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4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.

Double, Triple (Or Nothing) Your Money With This Offer

4thWay mostly covers opportunities where you can expect to double your money “just” every 8-10 years, when you use a reasonably simple and sensible strategy. (See our 10 Core Guides.) That’s really good going, considering the level of risk involved. The stock market, which has...


Crowd2Fund In Suffering

Crowd2Fund (read review) launched in the mid 2010s. Most of the companies listed on 4thWay that launched in the same era have already reported annual profits or are at least around breakeven. This includes these eight providers: Kuflink* (review), Proplend* (review), HNW Lending* (review), Somo*...



FOLK2FOLK's Property-Backed Business Lending Account/IFISA unrated, due to lack of information. This account has been paying in the region of interest after zero losses to lenders. Visit FOLK2FOLK or keep reading the FOLK2FOLK Review.


Review of the month

The now profitable Proplend has paid out £24 million in interest with just £40,000 in losses. And none of its outstanding rental-property loans are bad debts. 4thWay's just completed thorough reassessment of this remarkable investment opportunity.


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