The people normally using 4thWay’s research are all very lucky. I mean, I presume you have money to spare if you’re lending it. There are an awful lot of people who can’t say the same. Yet I think it’s worth looking at the other side…
This update on 29th April 2025 is writing up a case in the High Court in February 2025. The judgment on the case was made on 17th April 2025 and it has just landed in my hands. Since the case is now on the public…
However, I’m not going to remind you what the latest property-price forecasts from the UK’s best-known economists are for 2025 or the next 12 months. If you want to know, you’ll have to look them up yourselves. Here’s why… What happened in 2024? To start…
This content today is extremely different to normal, but I need to get it out, as it’s pressing on my mind. Unusually, this page is not about a cold assessment of an investment provider or lending tips. Instead, it’s all about me. I have to…
Initially published well over a year ago, this page has been updated in March 2025. P2P lending companies’ financial health is of great interest to lenders and of course to us at 4thWay. If a P2P lending company is already making money then it lowers…
Your main protection is that loans and cash are segregated Firstly, lets get a sense of proportion. Because FSCS protection here is actually a very minor point. If you have loans at a P2P lending company or if that site is holding some of your…
Just brief thoughts on this new story. LandlordInvest is apparently winding down at the insistence of the FCA, which appears, according to brief reports from Alternative Credit Investor, to have issues with its CEO, Filip Karadaghi, who has been forced to step down. We have…
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…
There are some items that we pay close attention to at 4thWay. For example, we have often described some of the signs we look for that a P2P lending provider is kicking the can of bad debt down the road to hide its actual performance….
Recently, for a friend, I returned to my old stomping grounds of share investing to look at the best options for her. I was interested to know how these had changed since I last assessed them in great detail, which would have been early in…
Borrowers were hit hard over 2022 and 2023. Property prices were unclear and somewhat rocky. And those who were borrowing to complete property developments have been suffering a shortage of workers. The worst for borrowers though was rocketing inflation. That didn’t just push up interest…
People who invest through AxiaFunder’s online platform are funding claimants’ legal cases. Investors typically take huge profits when these claims are won – sometimes even projected to earn 2-3 times the amount invested – albeit with substantial downside risk when cases are lost. Most cases…
FOLK2FOLK’s Property-Backed Business Lending Account/IFISA unrated, due to lack of information. This account has been paying in the region of interest after zero losses to lenders. Visit FOLK2FOLK or keep reading the FOLK2FOLK Review.
Crowd2Fund (read review) launched in the mid 2010s. Most of the companies listed on 4thWay that launched in the same era have already reported annual profits or are at least around breakeven. This includes: Kuflink (review), Proplend* (review), Somo* (review), CapitalStackers* (review), Downing (review), CrowdProperty…
4thWay mostly covers opportunities where you can expect to double your money “just” every 8-10 years, when you use a reasonably simple and sensible strategy. (See our 10 Core Guides.) That’s really good going, considering the level of risk involved. The stock market, which has…
Two platform heads have recently mentioned to me the surprisingly large tremor caused by Trussonomics on development lending, which is still having knock-on consequences. But that’s far from the only thing to hit this sector: the continued loss of construction workers from Brexit, recent high…
You’ll have noticed that P2P lending companies sometimes win awards, which are usually awarded by some sort of publication, with or without an independent judging panel. 4thWay, too, regularly wins industry awards for which I am truly very grateful and glad that we get recognised….
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…
Over the past month or so, I’ve talked with a couple of dozen investors who use 4thWay’s research. It’s been one of the advantages of growing a wealthy collective of lenders to get better returns while doing something useful to support the proper functioning of…
P2P lending companies often want and need to fund loans through institutions or a collection of especially wealthy investors, who earn better rates and terms for the privilege. That lending is over-and-above the usual lending through online lending platforms. And that’s all while providing a…
This service is in no shape or form advice about what to invest in. The decision to invest after any deals have been negotiated with platforms on our contact list is entirely yours, as the investor.
