For those of you have just read Can A P2P Lending Provider Be Too Profitable? by Neil Faulkner, I have compiled a list of some of the pages we follow when online lending and investment providers file their company accounts at Companies House: AxiaFunder (Champerty…
The number and type of P2P lending companies operating from the UK changes regularly. We keep this page updated every quarter. On this page, you’ll find: Full alphabetical list of the peer-to-peer lending companies in the UK. Which includes: – What types of lending they…
Four years ago – spring 2021 – marked the beginning of the quick rise in inflation, eventually peaking at an annual rate of 9.6% by October 2022. It remained very high in historical terms till September 2024. While it has fallen substantially now, it’s still…
Scroll down to see the latest nominee. 4thWay® has a Panel of Peers to govern our website on your behalf. These are individuals like you who lend their money through P2P. They are one of many safeguards we have in place ensuring that 4thWay® keeps…
December 2024 had the most write-offs since July 2014 at about £4 million, but the interest paid outweighed that, so the month was still positive overall. That nudged up the year’s return to end on 7.61%, after costs and all losses. The 4thWay Peer-to-Peer…
Investors in peer-to-peer lending and other online direct lending have more than doubled their money in 10 years, while cash ISA savers grew their pots by just one-fifth. Cash ISA savers failed to keep up with inflation, while online lenders comfortably outpaced it. Returns on…
The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because it can be quicker, safer or more profitable: You might sell because you need the cash before…
When loans fall into arrears or even turn bad – i.e, they “default” – you continue to earn interest. Most of the time, even if the borrower’s property ultimately needs to be repossessed and sold, lenders get all their money back as well as all…
Here’s our list of P2P lending companies that we are aware of that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that we know you can’t. In addition to any requirements below, you may only open…
UK Limited companies and Limited Partnerships are allowed to lend through P2P lending websites. The ones we know of where this is allowed are: AxiaFunder*/**. CapitalStackers*/**. CP Capital. CrowdProperty.** Downing Crowd**. EstateGuru. Folk2Folk. Housemartin*/** Invest & Fund**. Kuflink**. LandlordInvest. Lendwise**. Proplend*/**. SoMo*/**. Sourced Capital.** Limited companies…
We talk to 4thWay users a lot directly, and we get your emails and survey results from you. What we find is that lenders are making the same mistakes over and over again – and frankly it’s worrying us. While the P2P lending sites really…
In China, the number of websites offering lending platforms reached more than 2,000. For a long time, after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways than…
At present, there are no cashback deals of note available.
It’s about taxes, so I’ll be brief! Less P2P lending due to frozen personal allowances The income-tax personal allowance of £12,570 will be frozen until This will mean less disposable income available for lending. More people will pay a 45% tax rate and lose their…
Assetz Capital announced in July that the long-lasting lending queue to put new money in its automated accounts finally started to shrink. More recently it has announced that all the money that had been waiting has now been put to work. Lending flows released due…
If you find lending is too slow in one of your IFISAs, and the cash in that IFISA is all from prior tax years, you can simply transfer any unlent cash to another IFISA. That’s provided your IFISA provider allows you to make partial transfers*….
Sourced Capital has been incredibly busy for a couple of years, so we’ve had no opportunity to get an update from them for a long time. At last, we’ve just had a chance to get an update on a little bit of the information that’s…
While the vast majority of individual lenders have made money on their loans every year since P2P lending started in 2005, some have not done so well. Alternatively, some might have been surprised by other outcomes, such as seeing their money trapped in for longer…
We have a guide on 4thWay that shows how you can open as many IFISAs as you want in the space of a few months, saving you on tax and helping you spread your money very quickly. But you might have to educate someone to…
