Lande* was the first ever P2P lending company in either the eurozone or continental Europe to be fully assessed by 4thWay. What does Lande do? Lande’s borrowers are Latvian, Lithuanian and Romanian businesses – mostly farmers. The loans usually secured on the farmer’s land or…
With double-digit realised gains so far, returns of 20%+ highly possible, and being unaligned with recessions and property crashes, why wouldn’t you consider this opportunity? Before you read on, AxiaFunder is available to you only if you have invested at least £10,000 in unlisted investments…
Blend’s Development And Property-Secured Business Loans are unrated, due to lack of information. These loans have been paying lenders around . Visit Blend or keep reading the Blend Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.
Crowd2Fund’s Business & Property Lending is unrated, due to lack of information. There’s not enough info to calculate the annualised interest rate earned by lenders after bad debts. Visit Crowd2Fund or keep reading the Crowd2Fund Review.
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…
The 4thWay® PLUS Ratings are calculations developed by professional risk modellers (someone who models risks for the banks), experienced investors and a debt specialist from one of the major consultancy firms. They measure the interest you earn against the risk of suffering losses from borrowers being unable to repay their loans in scenarios up to a serious recession and a major property crash. The ratings assume you spread your money across hundreds or thousands of loans, and continue lending until all your loans are repaid. They assume you lend across 6-12 rated P2P lending accounts or IFISAs, and measure your overall performance across all of them, not against individual performances.
The 4thWay PLUS Ratings are calculated using objective criteria that can be measured and improved on over time, although no rating system is perfect. Read more about the 4thWay® PLUS Ratings.
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.
