Compare P2P lending accounts and IFISAs now

CapitalStackers Review

Click "Learn" to get help

By on 28 February, 2019 | Read more by this author

Below is the Quick Expert Review of CapitalStackers from one of 4thWay's experts‘. You can see all their Quick Expert Reviews in our comparison tables.

4thWay's Quick Expert CapitalStackers Review

Very attractive interest rates and takes loan checking to a whole new level

CapitalStackers* has completed over £10 million since launch in 2014. Its team could be one of the most competent we have seen doing development and rented property loans. It has many decades of relevant banking experience and it does appropriate risk modelling using professional firms – covering all the bases.

CapitalStackers takes diligence in checking and monitoring loans to a whole new level and they are beyond the comprehensive assessments we would usually expect for these kind of complex, high interest loans. So far the size of the loans compared to the property valuations are excellent; for example, the average loan on rented property is just 51% of the property value, giving huge cover in a property crash if the property needs to be repossessed and sold.

CapitalStackers has some very interesting opportunities for active, interested lenders to pick high-quality loans with very large profit potential.

Image showing where risk fits in Capital Stackers investments“CapStack” lenders might typically put their cash down first – e.g. to assist a property developer in buying the land – and yet be just second in line for being repaid in the event a loan goes bad, behind another lender such as a bank (which provides the “senior debt”).

Lenders are compensated for the extra risks of this with interest of 8% to over 20%. We believe the interest lenders have earned is far more than required to cover the risks involved.

There have been no bad debts.

It is very transparent with 4thWay, providing huge amount of access and information so that we can get under its bonnet, including providing information it submits to the financial regulator and a whole lot more, giving me a lot of confidence.

CapitalStackers is already profitable – a rarity in the P2P industry which has a lot of new businesses. It is a small business but with very low costs, making it seemingly easy to sustain. It has backing from an accountancy firm and its founders are wealthy, currently lending one-third of the outstanding loans (although this will shrink as CapitalStackers grows). It has a network of connections that we believe will enable it to expand and grow further.

CapitalStackers has few loans available, but you don't have to transfer money until the loan is fully sold.

Visit CapitalStackers*.

The opinions expressed are those of the author and not held by 4thWay. 4thWay is not regulated by the ESMA or the FCA, and does not provide personalised advice. The material is for general information and education purposes only and not intended to incite you to lend.

Experts, journalists and bloggers 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 and impartial research: our service is free to you. We already show dozens of P2P lending companies in our accurate comparison tables and we keep adding more as soon as they provide us with enough details. We receive compensation from CapitalStackers and other P2P lending companies not mentioned above when you click through from our website and open accounts with them. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.

Leave a Reply

Your email address will not be published. Required fields are marked *

Today’s average interest rates

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.

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 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

×
Back to top
[wpforms id="21393" title="false" description="false"]