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Neil Faulkner, 4thWay Head of Research

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Neil Faulkner is 4thWay CEO and Head of Research. He has this to say about himself:

“My background is diverse, including a long stint as a financial and investment journalist, and media spokesperson for investing website The Motley Fool. I quit to spend a year interviewing CEOs and other key people at P2P lending sites, and working alongside specialists at 4thWay from the fields of banking, lending and debt investments, in order to become one of the world’s leading experts on peer-to-peer lending, before the eventual launch of 4thWay five years ago.

“Since then, I have continued to hone my knowledge through thousands of hours of research and interviews, and by leading a very much data-led organisation, with talented and experienced colleagues from a range of useful backgrounds.

“I believe I am the most quoted independent commentator on the industry in the UK’s national media, and I am consulted by the FCA, financial advisor groups and industry CEOs on important industry topics.”

The Impact Of Inflation On P2P Lending Results

The UK annual inflation rate has risen to 3%, after dropping below the 20-year average of 2% (or, rather, 1.999%) for 21 months in a row up to April 2021. With many countries have recently seen rising inflation, and with nearby Germany recently reporting a 4.1% annual increase in prices, I thought now was a… Read more

Update On Kuflink’s Financial Results And Auditor Reports

Kuflink* is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest accounts are made up to 30 June 2020, which we… Read more

Proplend Review

This is a Proplend review, written by one of our specialists. You can find more reviews in our comparison tables. 4thWay’s Proplend Review Fantastically good property security, usually backed up by steady rent, and excellent returns for lenders. Proplend Review: their best-rated product This account has been paying interest after bad debts. Read about the… Read more

The Mind-Blowing Economics Of Rebuildingsociety Lending

At 4thWay, we’re fascinated by the unusual nature of Rebuildingsociety’s loan book. No high-street bank dataset we’ve ever seen comes close to this kind of profile and nor do any other P2P lending companies. The loan book defies belief. Borrower grading has historically sucked. Bad debts are exceptionally high and recoveries of said debt completely… Read more

SoMo Review

One of 4thWay’s specialists has again updated the SoMo Review, summarising the key points. (If you’ve come here for the BridgeCrowd Review, BridgeCrowd has now become SoMo.) It will probably take 9-10 minutes to read the main section. If you want to read the extra detail we go into on some topics underneath, it’ll take… Read more

How Many Small Business Loans Should Lenders Spread Across?

This article covers: What is unsecured small business lending? When do small business loan bad debts occur? How and when do these loans make a profit? What do individual lenders need to do to reach a profit? How much does platform ability, borrower quality and spread of risks matter? How many loans are needed to… Read more

The 6 Best P2P Lending Accounts In 2021

The best P2P lending accounts in 2021 are paying between 4% and 12.15% interest, while doing an incredible job of containing the risks for lenders. Here, I intend to give you a taste of some of the absolute best P2P lending accounts in terms of risk-reward balance. Introduction From 2014, 4thWay’s specialists have been using… Read more

Lendy High Court Result Great News For P2P Lenders

I’m not new to reading long-winded court judgments, so I want to write about some interesting points for lenders that came up in this 83-page High Court judgment on Lendy this month. My thoughts are not specifically for people who lent through Lendy, the disgraced P2P lending company that went bust under a cloud of… Read more

ArchOver Review

The ArchOver Review is written by one of 4thWay’s specialists.   4thWay’s ArchOver Review A P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders. What ArchOver does ArchOver primarily does UK business loans that are largely secured on whatever business assets are available, with a… Read more

What You Need To Know About P2P Bridging Lending To Contain The Risks

Each type of lending has its own particular unique sides and risks. One aspect of bridging lending is when a P2P lending company sets up a loan and then allows the borrower to repay that loan at the end by taking out another loan. Most importantly, you need to understand when this new loan is… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.59%

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

×

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.

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 “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

×
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