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4thWay Specialist

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4thWay has some of the earliest and foremost specialists in the field of peer-to-peer lending and quantitative bank lending analysis. You can read about them in About Us.

CapitalStackers Review

We present you the CapitalStackers review, by one of 4thWay’s specialists. 4thWay’s CapitalStackers Review Attractive opportunities for active lenders to pick high-quality loans with very large profit potential. What does CapitalStackers do? CapitalStackers* largely does development loans with its lenders taking the junior position. This means that another lender – typically a bank – will… Read more

CapitalRise Review

Here’s the CapitalRise review from one of 4thWay’s specialists: 4thWay’s Quick Expert CapitalRise Review Continues to impress CapitalRise is available to sophisticated/wealthy investors only So to use it you need to have: Invested in an unlisted company in the past 12 months (such as through crowdfunding websites). Or you need an income of at least £100,000 or… Read more

Loanpad Review

Here’s the Loanpad review from one of 4thWay’s specialists: 4thWay’s Quick Expert Loanpad Review An investment that will keep your money safe through everything short of nuclear war Loanpad Review: their best-rated product This account has been paying interest after zero bad debts. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or… Read more

Downing Crowd Review

One of 4thWay’s specialists has written a Downing Crowd Review. 4thWay’s Quick Expert Downing Crowd Review Downing Crowd doesn’t provide enough information to assess the risks, so new lenders are shooting blind. What is Downing Crowd? Downing Crowd does loans to UK businesses that own property or energy projects, including businesses developing property. It’s looking… Read more

Kuflink Review

Here’s the Kuflink review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Kuflink Review A profitable property lending record since 2011 and highly satisfactory lending results. Kuflink Review: their best-rated product This account has been paying interest. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lendingRead more

HNW Lending Review

Here is the most recent HNW Lending review from one of our experts. 4thWay’s Quick Expert HNW Lending Review A “swinger” with a high number of very secure loans and first loss usually paid by its directors, but the minimum lending amount is very high HNW Lending Review: their best-rated product This account has been… Read more

The Peer-To-Peer IFISA Guide

We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? An IFISA allows you to lend up to £20,000 per tax year… Read more

Invest & Fund Review

Here’s the Invest & Fund review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Invest & Fund Review Invest & Fund is the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance… Invest & Fund Review: their best-rated product This… Read more

BLEND Network Review

The BLEND Network review has recently been updated by one of  4thWay’s specialists. BLEND Network Review Interest rates look good and its first few years have got off to a fantastic start What is BLEND Network? Through BLEND Network, you are lending to fund property developments. BLEND Network also does bridging loans, but these are… Read more

4thWay’s 10 P2P Investing Principles

Throughout this site, we call lending, “lending”. Funnily enough. But that word can sound a bit casual and easy. Like you’re giving some chums, some fellow neighbours or local businesses, a bit of cash in return for a bit of interest. A simple income on the side where everyone’s a winner. There is a social… Read more

Today’s average interest rates

What is the “4thWay”?

There's the savings way, the property way, the stock-market way, and now there's the peer-to-peer lending way. The 4thWay® to save and invest.
Learn more.

What does 4thWay do?

We help people save and make more money, more safely when they cut out the banks and lend directly to other people and to businesses.

Why use 4thWay?

4thWay® is shaped by investors, bank risk modellers and a senior debt specialist, and we're governed by our users to ensure our comparison services and research are trustworthy and complete.

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers two “bonds”, one of which is available as an ISA.

Unlike its P2P lending service, neither of these bonds allows you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

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Why are Orchard’s interest rates different?

Orchard’s lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Orchard’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

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Why are Wellesley’s interest rates different?

Wellesley’s P2P lending rates appear higher on its own website than on 4thWay®.

This is because we calculate Wellesley’s interest rates the same way most other P2P lending websites do. We do this so that you can compare the rates more easily and so that they show a more accurate picture of what you’ll earn.

Important information before you visit Wellesley & Co.

Wellesley & Co. is primarily a P2P lending website.

But, when you visit the Wellesley website, you’ll see that it also offers “bonds”. Unlike its P2P lending service, its bonds don’t allow you to lend directly to 100+ borrowers.

Instead, you lend to Wellesley and it lends to other borrowers.

We have not risk-rated either of those bonds, but we expect that their structure makes them more risky, particularly because you’re lending to just one borrower.

Got it

×

We make no money from reviewing CapitalRise. Weeks of man-hours and expertise has gone into it. (Interviews, reviewing facts, programming bespoke analysis software, manual data analysis…) Millions of pounds are invested in P2P lending accounts each year on the basis of our research. That’s why we ask for a small donation by clicking this text. Even just contributing £10 per £1,000 you invest (1%) helps.

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