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Which Platforms Currently Have Lots Of Loans Available?
The most powerful thing you can do when lending is spread across a lot and lots of loans.
If you're looking to swiftly deploy your money into hundreds – or even thousands – of individual loans, I've made a shortlist based on what I understand is happening with the providers that give substantial data and details to 4thWay.
Last year, we started putting our ears to the ground by routinely asking a pool of 4thWay readers what your recent experiences have been with different providers. So, where possible, I have considered your recent feedback on available opportunities too.
Plus, I have limited this list to providers that haven't grown at a scary speed in recent times, since that can easily indicate a worsening in borrower or loan quality that 4thWay's specialists can't yet quantify.
Those that have plenty of loans available now, or that are approving enough loans in the coming months to quickly service a lot of new lending, are:
AxiaFunder
AxiaFunder told 4thWay towards the end of last year that it's got unused capacity to increase the number of legal cases it offers, as and when more people choose to take part in funding them through its online platform.
It might already have picked up the pace. Updates received by 4thWay show that it approved three portfolios of legal cases in the past 30 days, which could spread your money across as many as 501 individual legal cases.
In contrast, data received by us showed that over the 90 days prior to that (i.e. three times as long), the number of legal cases it was putting out on offer totalled up to 845.
These cases are its “portfolio” cases – AxiaFunder's bread and butter. You can read an assessment of them in the AxiaFunder Review.
The minimum you can put in is £1,000 per portfolio, which is spread between at least a few dozen cases and often well over 100. Past returns have typically been above 20% with no IFISA. Limited to sophisticated or similar investors only.
HNW Lending
As of figures from a few days ago, there are 19 existing loans – mostly short-term property loans – with availability right now. There's also a new loan completing now, eight likely to complete in April, plus 10 more going through the legal process that might go ahead shortly after that.
The minimum lending amount is high at £10,000 (£5,000 in the IFISA), although you can choose to spread this automatically across at least 15 loans (usually a lot more). It's offering 7%+, with an IFISA available.
HNW Lending Review | Visit HNW Lending*.
Lande
Lande does secured loans to farmers. After two years of stagnant growth at this European platform, it's now on the rise again.
In the first three months of this year, lenders through its online lending platform funded €7 million. That is double the amount in the same period a year earlier and a step up on the €5 million in the last quarter of 2025.
There are several reasons for its growth.
One of the big driving factors is that farms in its newest market – Poland – are much larger than in its older markets. So the potential for deploying your funds there is bigger than Lande had forecast. It's already arranged €1 million in loans there since the start of January, compared to its target of €2 million for the entire year.
In addition, the European Investment Fund recently started guaranteeing 80% of the loans against bad debt for many farming loans in Lande's original Latvia and Lithuania markets.
Lande is actively trying to redress the balance between lenders and borrowers with a cashback scheme that runs until 20th April only:
- When you lend €500 in a single loan listed on its primary lending market, you'll get 0.5% cashback. Make it €1,000 and you get 1%, and €5,000 means 2%.
- Roughly speaking, this is going to be equivalent to an extra 0.25-1.00 percentage points on top of the lending rate, which is currently around 11%.
Even so, you shouldn't lend through a P2P lending provider because of cashback; it's just a nice bonus if and when it happens.
The minimum lending amount is €50 per loan. Rates are approximately 11% with no IFISA.
Lendwise
Lendwise does loans to individuals. Most of the borrowers are doing post-graduate studies, often part-time or with excellent job prospects at the end.
The number of new loans in the past three months are up more than 15% on the same period a year earlier. Lendwise currently has plenty of capacity and the ability to deploy your funds quickly right now through its secondary market.
The minimum you can put in is £1,000, although you can lend as little as £10 per loan. Lending rates are a little over 8% and it's available in an IFISA.
Lendwise Review | Visit Lendwise.
Loanpad
Loanpad, which does senior lending mostly on property refurbishments and developments, still currently has capacity in the background to take on quite a lot of additional loans from its many partners at a moment's notice.
You're automatically spread across all the outstanding loans in its loanbook. Currently, that means lending in well over 300 different property projects as soon as you start lending.
The minimum lending amount is just £0.01! IFISA available.
Loanpad Review | Visit Loanpad*.
Somo
Somo has approved a lot of loans for a long time. It's now approving up to two to three dozen short-term bridging loans a month, with further spare capacity available.
The minimum you can put in is £5,000 per loan. Lending rates are around 9.5%. There's no IFISA, and this is limited to sophisticated or similar lenders only.
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.
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from AxiaFunder, CapitalRise, HNW Lending, Loanpad and Somo, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or when you make an investment, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
