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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.”

Which P2P Lending Sites Offer FSCS Protection?

Your cash – but not loans – held by a P2P lending site may or may not be covered by the FSCS. I’ll give my view on how important this protection is, explain why not all sites offer it, and give you a list of the P2P lending sites where the FSCS situation has been… Read more

Who Can Invest In Peer-To-Peer Lending?

Peer-to-peer lending (including P2P IFISAs) is classified as one of the safer alternative investments, which is why it’s available to all who wish to invest by lending directly to other people, businesses and property owners. But, since it’s still a relatively new form of investing, the Financial Conduct Authority wants to encourage most lenders to… Read more

How To Easily Qualify As A Self-Certified Sophisticated Investor To Lend Freely Through Any P2P Lending Website

Most peer-to-peer lending websites and IFISA providers allow anyone to lend. If you’re a beginner, they want you to commit not to lend more than 10% of your savings and investment pot across all your P2P loans. If you want to lend more than that, get yourself upgraded to the status of self-certified sophisticated investor…. Read more

How To Pass Assetz Capital’s Appropriateness Tests

Assetz Capital* has some good questions and additional information in its appropriateness test that are worth reading properly, but I think some additional information from 4thWay will be useful for your education! I’ll get to how to pass the test shortly, but firstly… Who can lend through Assetz Capital? Assetz Capital is available to all… Read more

Crowd2Fund Review

Here is a Quick Expert Crowd2Fund Review from one of our experts. 4thWay’s Quick Expert Crowd2Fund Review Needs to provide more information to prove its inexperienced team are capable of maintaining good results into the future. When did Crowd2Fund start? Crowd2Fund*, which started small business peer-to-peer lending in 2015, has now lent . What interesting… Read more

Do “Sophisticated Investors” Have Less Legal Protection?

Jocelyn, 4thWay subscriber, wrote: “I’m having real problems understanding what the implications are of saying that I am a sophisticated rather than retail investor in the new appropriateness checks, and I wonder whether 4thway will be doing a short piece on this – I tried a brief search of your site and couldn’t see anything.”… Read more

The P2P Lending Sites That Spread Your Money Across Every Loan

We had a peer-to-peer lending question this week from a 4thWay user called Uriel who said: “I’ve currently got accounts with RateSetter and GrowthStreet, and am thinking of where to next put my money. “I don’t like having to select investments, and prefer ‘passive’ investing where the platform automatically assigns my investment across their portfolio… Read more

Growth Street’s Largest Loans Turn Bad

There’s been quite an exciting development at Growth Street*. I use the word “exciting” to mean it’s a story with a lot of bang, rather than good news. Certainly not for me, as it reveals a mistake by me. Probably my biggest since co-founding 4thWay. But at least it’s just my reputation and Growth Street’s… Read more

How To Pass LendingCrowd’s Appropriateness Test

LendingCrowd* does lending to small businesses and allows lenders to optionally choose your own loans or auto-lend. LendingCrowd does a good job ensuring that you understand this kind of lending with its appropriateness test. It also offers useful little facts to aid you. I’m here to help you with facts too. How to pass the… Read more

Lending Works Review

Below is the latest Lending Works review given by one of 4thWay’s specialists. 4thWay’s Quick Expert Lending Works Review Great risk-reward balance with a large reserve fund Lending Works review: their best-rated product This account is currently paying interest. Read about the 4thWay PLUS Ratings, compare more peer-to-peer lending accounts or visit Lending Works*. When… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.37%

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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