For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and…
One of 4thWay’s specialists will update the Rebuildingsociety review next month and you can expect a huge amount of updates to it. And certainly a lot more detail and opinion than I’m about to give you today, as I’m just looking at one small aspect…
There’s a lot to update you on with Lending Works again, which has been split between several of us to write up. In this article, I’m tackling the nitty-gritty around the reductions to lending interest rates on loans issued in 2019 or earlier. To see…
You absolutely must read all our research on Lending Works this month to get a good overview of it as an investment proposition today. As lenders, you need to reset what you thought you knew about Lending Works and take a fresh look, because it’s…
The FCA recently suspended a regulated financial business due to weak controls against money laundering, leaving up to one million account holders unable to access their money. The suspended company, called ePayments Systems Limited, has nothing to do with the peer-to-peer lending industry. But it…
Neil Faulkner, 4thWay’s co-founder and Head of Research, has picked his top eight IFISA picks, based on his assessment of the risks and rewards. They include: Five selections that are easy to use and are good for both entry-level and expert-level investors. Five selections that…
Property peer-to-peer lending sites that use loan brokers or regional managers to attract borrowers always require an extra little bit of attention from 4thWay. Brokers don’t just do the initial assessment of a loan. They are also partly salespeople, selling the loans to banks and…
In May, the most interesting and well-written comment about peer-to-peer lending or IFISAs that is posted on 4thWay’s discussion boards, or the most interesting emailed contribution we receive, will win £100 if we choose to publish it. We may even pay out for more than…
4thWay user David Bradshaw had this question for us about Growth Street: “Firstly, I’d just like to compliment you on your excellent website as it’s been a helpful resource for me as I’m sure many others before me, on starting with P2P investments. I now…
LendingCrowd’s Growth and Income peer-to-peer lending accounts, including the IFISA versions, have now earned “Excellent” 4thWay PLUS Ratings. Previously, just LendingCrowd’s Self Select lending account and IFISA had earned a rating. Why have these accounts been upgraded so soon? The two LendingCrowd* accounts have been…
We’ve provided you with a lot of information on peer-to-peer lending sites in our very detailed comparison service since 2014. And that includes IFISAs since the first one was released. However, we’ve now created a separate IFISA comparison service to make it easier, and added…
Proplend Proplend* has given an update on its P2P mortgages to commercial and residential property owners that are leasing out their properties. One loan was repaid about a month late. Lenders earned an extra 20% interest in the month they were waiting for their money…
Thank you for all the fantastic feedback we have received from all our users, industry insiders, as well as experts in our fields who we’ve respected for a very long time. It really helps all the writers, specialists and the whole team at 4thWay to…
Some 4thWay users asked us about three P2P lending sites missing from the 4thWay comparison tables, and about a fourth P2P lending site that has been proving frustrating. Here are their questions and our answers. S Smith, 4thWay user: I think your website is very…
In this article today, I’m looking at P2P lending company money: which P2P lending sites put a lot of their business cash on the line? This is to follow up on the recent 4thWay article about P2P lending site founders who lend their own money…
What we learned about RateSetter’s experiments Rhydian Lewis, RateSetter’s* CEO, got the chance to present his business recently. I’ve set the above video to start from the point where I think it might be particularly interesting to individual lenders as regards to RateSetter’s own business,…
Here’s a picture to show you what the UK’s Financial Conduct Authority does and what it doesn’t do to make P2P lending safer. The FCA has effectively blocked around 300 applications from businesses wanting to start a P2P lending site and I have seen its…
There are all sorts of reasons why a P2P lending website may no longer be able to pay its bills. It might run out of start-up funding before it has started to earn enough money. It might succumb to better, more nimble competition. It might itself…
This week I received a newsletter from a popular money-saving tips website that said: “Peer-to-peer lending isn’t the only option for savers keen to earn more – there’s also investing to consider.” It was just yet another time that I’ve heard P2P being described as…
We’re not a P2P “industry news” site, but we do like to report news if it directly helps individual lenders to make better lending decisions, which is our entire raison d’être. A lot of news like this has occurred over the past six weeks or…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Landbay, LendingCrowd, Proplend, Relendex and Wellesley & Co., and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
