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The 4thWay PLUS Ratings in the P2P lending comparison table assume you spread your money across 6-12 different lending accounts and hundreds or thousands of loans until they're fully repaid by the borrowers. Focus on your overall returns across all loans and P2P lending sites, not individual performances. The ratings are based on interest rates and a forecast of the risk of borrowers not repaying all their debt. Understand all the risks before you lend. Read the peer-to-peer lending reviews to get more information on each opportunity. Find out how P2P accounts qualify for listing here.

Showing 30 peer-to-peer lending opportunities, sorted by worst PLUS Rating first, then by Risk Score and finally by interest rate.

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P2P Lending Company

Lending Product Name

4thWay^® PLUSRating

RiskScore

Interest AfterBad Debts

Description

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Baltic State Residential & Commercial Property, And Development Loans, in Euros

Too little info provided

N/A

11.32%

€435 m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent, with auto-lend and auto-diversification. Estonian P2P site that is regulated in Lithuania

Visit Estate Guru

P2P Lending Company Lending Product Name	Baltic State Residential & Commercial Property, And Development Loans, in Euros
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	11.32% 11.32%
Description	€435 m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent, with auto-lend and auto-diversification. Estonian P2P site that is regulated in Lithuania €435 m since 2014 in secured short-term (bridging) & property development loans, & property receiving rent, with auto-lend and auto-diversification. Estonian P2P site that is regulated in Lithuania
Get Details	Visit Estate Guru
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Bridging & Development Loans

Too little info provided

N/A

£140 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN

Visit SoMo

P2P Lending Company Lending Product Name	Bridging & Development Loans
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	9% 9%
Description	£140 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN £140 m since 2014 in secured short-term (bridging) & property redevelopment loans. Note this entry is very out-of-date due to lack of information from SoMo. See the Quick Expert Review, below. MIN £5,000 PER LOAN
Get Details	Visit SoMo
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SoMo rarely provides updates. Due to insufficient information, 4thWay estimates the interest rate after bad debts will be written off.

SoMo Quick Expert Review: high interest rates and great reviews from lenders, but lets itself down on transparency

SoMo, formerly BridgeCrowd, bridging loans and redevelopment loans of £25,000 to £5 million, with a planned….

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Development And Property-Secured Business Loans

Too little info provided
History too small

N/A

8.98%

£30 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit

Visit BLEND Network

P2P Lending Company Lending Product Name	Development And Property-Secured Business Loans
4thWay^® PLUSRating	Too little info provided History too small
RiskScore	N/A
Interest AfterBad Debts	8.98% 8.98%
Description	£30 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit £30 m since 2017 mostly in secured short-term (bridging) & property development loans, and also property secured loans to small businesses, with auto-lend & early exit
Get Details	Visit BLEND Network
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BLEND Network Quick Expert Review: interest rates look good and its first few years have got off to a fantastic start

Through BLEND Network, you are lending to fund property developments. BLEND Network also does bridging loans…

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Bridging & Development Loans/also in an IFISA

History too small

N/A

8.64%

£71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY IFISA Details

Visit CapitalRise

P2P Lending Company Lending Product Name	Bridging & Development Loans/also in an IFISA
4thWay^® PLUSRating	History too small
RiskScore	N/A
Interest AfterBad Debts	8.64% 8.64%
Description	£71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY £71 m since 2016 in secured short-term (bridging) & property development loans, with early exit. Available in an IFISA. SOPHISTICATED/WEALTHY INVESTORS ONLY IFISA Details
Get Details	Visit CapitalRise
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CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

Lenders through CapitalRise have lent £71 million since launch in 2016. A total of £105 million in facilities has…

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Mostly Secured Business Loans/also in an IFISA

Too little info provided

N/A

8.46%

£140 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA Details

Visit ArchOver

P2P Lending Company Lending Product Name	Mostly Secured Business Loans/also in an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	8.46% 8.46%
Description	£140 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA £140 m in loans to profitable businesses since 2014, mostly secured, with some loans having insurance that might cover some losses, optional auto-lend & auto-diversification. Available in an IFISA IFISA Details
Get Details	Visit ArchOver
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ArchOver Quick Expert Review: a P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders

ArchOver primarily does UK business loans that are largely secured on whatever business assets are available…

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Baltic State Loans in Euros

Too little info provided

N/A

7.5%

€7 m since 2014 in personal loans, homeowner loans & property development to Baltic State borrowers, with optional reserve fund, auto-lend, auto-diversification & early exit

Visit SAVY

P2P Lending Company Lending Product Name	Baltic State Loans in Euros
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	7.5% 7.5%
Description	€7 m since 2014 in personal loans, homeowner loans & property development to Baltic State borrowers, with optional reserve fund, auto-lend, auto-diversification & early exit €7 m since 2014 in personal loans, homeowner loans & property development to Baltic State borrowers, with optional reserve fund, auto-lend, auto-diversification & early exit
Get Details	Visit SAVY
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SAVY Quick Expert Review: promising potential

SAVY has completed around €5 million in loans to borrowers in the Baltic States since 2014. SAVY…

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Commercial Property, Energy Project & Development Loans/also as an IFISA

Too little info provided

N/A

6.97%

£72 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA IFISA Details

Visit Relendex

P2P Lending Company Lending Product Name	Commercial Property, Energy Project & Development Loans/also as an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	6.97% 6.97%
Description	£72 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA £72 m since 2013 in secured short-term (bridging) & property development loans, property receiving rent & wind energy projects, with early exit. Available in an IFISA IFISA Details
Get Details	Visit Relendex
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

European Consumer Loans in Euros

Too little info provided

N/A

6.8%

Spanish non-homeowner property loans, with auto-lend, auto-diversification & early exit

Visit Viventor

P2P Lending Company Lending Product Name	European Consumer Loans in Euros
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	6.8% 6.8%
Description	Spanish non-homeowner property loans, with auto-lend, auto-diversification & early exit Spanish non-homeowner property loans, with auto-lend, auto-diversification & early exit
Get Details	Visit Viventor
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Irish Personal & Business Loans In Euros, 20% Funded By Borrowers' Family & Friends

Too little info provided

N/A

6.0%

Approx €33 m in personal and business loans since 2017, borrowers in Ireland

Visit Flender

P2P Lending Company Lending Product Name	Irish Personal & Business Loans In Euros, 20% Funded By Borrowers' Family & Friends
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	6.0% 6.0%
Description	Approx €33 m in personal and business loans since 2017, borrowers in Ireland Approx €33 m in personal and business loans since 2017, borrowers in Ireland
Get Details	Visit Flender
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Flender Quick Expert Review: “own crowd” concept with great potential

Established in 2017, lenders using Flender have lent around €33 million to Irish business borrowers…

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Senior Property & Renewable Energy Loans/also in an IFISA

Too little info provided

N/A

5.38%

£170 m since 201£160m in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA IFISA Details

Visit Downing Crowd

P2P Lending Company Lending Product Name	Senior Property & Renewable Energy Loans/also in an IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	5.38% 5.38%
Description	£170 m since 201£160m in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA £170 m since 201£160m in secured short-term loans to trading businesses with property, property development loans & loans to renewable energy providers. Available in an IFISA IFISA Details
Get Details	Visit Downing Crowd
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Interest rates shown are a reasonable estimate due to limited data

Downing Crowd Quick Expert Review: could make a nice addition to your lending portfolio

Downing Crowd does loans to UK businesses that own property or energy projects, including businesses…

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"A" to "C" Business Loans/available in an IFISA

PLUS Rating pending...

N/A

5.00%

£22 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

Visit rebuildingsociety

P2P Lending Company Lending Product Name	"A" to "C" Business Loans/available in an IFISA
4thWay^® PLUSRating	PLUS Rating pending...
RiskScore	N/A
Interest AfterBad Debts	5.00% 5.00%
Description	£22 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA £22 m since 2013 in unsecured/lightly secured business loans with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
Get Details	Visit rebuildingsociety
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interest rate shown is an approximate, provisional rate, pending further recovery of bad debts. We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Zopa Plus Account/Zopa Plus IFISA

Too little info provided

N/A

3.7%

£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

Visit Zopa

P2P Lending Company Lending Product Name	Zopa Plus Account/Zopa Plus IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	3.7% 3.7%
Description	£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA £5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
Get Details	Visit Zopa
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Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa does UK personal loans to creditworthy individuals, repaid within five years. It targets returns…

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Zopa Core Account/Zopa Core IFISA

Too little info provided

N/A

3.2%

£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

Visit Zopa

P2P Lending Company Lending Product Name	Zopa Core Account/Zopa Core IFISA
4thWay^® PLUSRating	Too little info provided
RiskScore	N/A
Interest AfterBad Debts	3.2% 3.2%
Description	£5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA £5.0 bn in personal loans since 2005, with auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
Get Details	Visit Zopa
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Average return for the vast majority of lenders has historically been within 1-2 percentage points of the advertised target rate.

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa does UK personal loans to creditworthy individuals, repaid within five years. It targets returns…

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Rented and Development Property Lending

How do 4thWay PLUS Ratings work?

N/A

12.15%

£24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit

Visit CapitalStackers

P2P Lending Company Lending Product Name	Rented and Development Property Lending
4thWay^® PLUSRating	Unrated Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	N/A
Interest AfterBad Debts	12.15% 12.15%
Description	£24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit £24 m since 2014 in residential & commercial property receiving rent, & secured short-term (bridging) & property development loans, with early exit
Get Details	Visit CapitalStackers
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We earn commission from this peer-to-peer lending company. It doesn't affect our impartiality. See details below table.

CapitalStackers Quick Expert Review: attractive opportunities for active lenders to pick high-quality loans with very large profit potential

CapitalStackers largely does development loans with its lenders taking the junior position. This means that another lender – typically a bank…

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Flexible Account/Flexible IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

4.0%

£230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA IFISA Details

Visit Lending Works

P2P Lending Company Lending Product Name	Flexible Account/Flexible IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.0% 4.0%
Description	£230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA £230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & free early exit. Available in an IFISA IFISA Details
Get Details	Visit Lending Works
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. The rating shown is for new lending from 2021.

Lending Works Quick Expert Review: good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders

Lending Works started in early 2014 and has completed £230 million in personal loans. Lending Works has strong defences…

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Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA

How do 4thWay PLUS Ratings work?

3/10 How do Risk Scores work?

6.85%

£135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

Visit Proplend

P2P Lending Company Lending Product Name	Tranche A, 0-50% LTV Loans Against Property Receiving Rent/also as an IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	3/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.85% 6.85%
Description	£135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA £135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with optional auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
Get Details	Visit Proplend
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Proplend does secured property lending in the UK, usually to landlords of residential properties or commercial…

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Bridging & Development Loans Account/IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

7.67%

£155 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available IFISA Details

Visit CrowdProperty

P2P Lending Company Lending Product Name	Bridging & Development Loans Account/IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.67% 7.67%
Description	£155 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available £155 m in development property lending & short-term property (bridging) loans since 2015, with optional auto-lend & auto-diversification. IFISA available IFISA Details
Get Details	Visit CrowdProperty
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CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Established in 2015, lenders have lent £155 million to around 50 different borrowers in over 167 loans…

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Premium Account (60-day free access or 1% fee)/Premium IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

4.00%

£36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA Details

Visit Loanpad

P2P Lending Company Lending Product Name	Premium Account (60-day free access or 1% fee)/Premium IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.00% 4.00%
Description	£36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below £36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & free early access in 60 days. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA Details
Get Details	Visit Loanpad
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £36 million. Loanpad partners with a family firm that’s…

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Classic Account (free early exit)/Classic IFISA

How do 4thWay PLUS Ratings work?

4/10 How do Risk Scores work?

3.00%

£36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & early exit. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA Details

Visit Loanpad

P2P Lending Company Lending Product Name	Classic Account (free early exit)/Classic IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	4/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	3.00% 3.00%
Description	£36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & early exit. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below £36 m in development property lending & short-term property (bridging) loans under 50% LTV against initial property valuation since 2018, with interest reserve fund, auto-lend, auto-diversification & early exit. IFISA available. £150 CASHBACK AVAILABLE - read the Quick Expert Review below IFISA Details
Get Details	Visit Loanpad
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Established in 2018, lenders have lent around £36 million. Loanpad partners with a family firm that’s…

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Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

8.59%

£96 m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA Details

Visit HNW Lending

P2P Lending Company Lending Product Name	Property & Asset Loans Under 50% Average LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	8.59% 8.59%
Description	£96 m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) £96 m since 2014 in secured homeowner & other property loans, cars, boats & fine wine, with optional auto-lend, auto-diversification & early exit. Available in an IFISA. MINIMUM INVESTMENT PER LOAN IS £10K (£5k in an IFISA) IFISA Details
Get Details	Visit HNW Lending
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

7.00%

£146 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review IFISA Details

Visit Kuflink

P2P Lending Company Lending Product Name	Auto-Invest 5 Year Account/Auto-Invest 5 Year IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	7.00% 7.00%
Description	£146 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review £146 m since 2016 in secured short-term (bridging) & property development loans, with auto-lend & auto-diversification. Available in an IFISA. Cashback is available - read the Quick Expert Review IFISA Details
Get Details	Visit Kuflink
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Kuflink does loans to property owners requiring short-term (bridging) loans secured against their properties…

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Kuflink Select-Invest

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.85%

£146 m since 2016 in secured short-term (bridging) & property development loans. Cashback is available - read the Quick Expert Review

Visit Kuflink

P2P Lending Company Lending Product Name	Kuflink Select-Invest
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.85% 6.85%
Description	£146 m since 2016 in secured short-term (bridging) & property development loans. Cashback is available - read the Quick Expert Review £146 m since 2016 in secured short-term (bridging) & property development loans. Cashback is available - read the Quick Expert Review
Get Details	Visit Kuflink
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Kuflink does loans to property owners requiring short-term (bridging) loans secured against their properties…

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Bridging & Development Loans Account

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.75%

£130 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders

Visit Invest & Fund

P2P Lending Company Lending Product Name	Bridging & Development Loans Account
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.75% 6.75%
Description	£130 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders £130 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders
Get Details	Visit Invest & Fund
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Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund does residential bridging and development loans usually between £500,000 and £5 million, with a planned…

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Bridging & Development Loans IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.25%

Visit Invest & Fund

P2P Lending Company Lending Product Name	Bridging & Development Loans IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.25% 6.25%
Description	£130 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders £130 m in development property lending & short-term property (bridging) loans since 2015, with early exit. Minimum investment is £2.5k. Auto-lend & auto-diversification as standard; self-select option for high-net worth or sophisticated lenders IFISA Details
Get Details	Visit Invest & Fund
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Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund does residential bridging and development loans usually between £500,000 and £5 million, with a planned…

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Manual Lending Account/Manual Lending IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.02%

£1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA IFISA Details

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P2P Lending Company Lending Product Name	Manual Lending Account/Manual Lending IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.02% 6.02%
Description	£1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA £1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with early exit. Available in an IFISA IFISA Details
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Interest rates shown are higher than those on Assetz's own website, because we change the calculation to bring it into line with the other P2P sites. We earn commission from this P2P lending company/IFISA provider. It doesn't affect our impartiality. See details below table.

Assetz Capital Quick Expert Review: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

Assetz Capital does the widest variety of loan types of any P2P lending or IFISA provider in the UK…

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Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

6.00%

£96 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans IFISA Details

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P2P Lending Company Lending Product Name	Auto-Invest In Property & Asset Loans up to 70% LTV/also in an IFISA. MINIMUM £10,000 (or £5,000 in IFISA)
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.00% 6.00%
Description	£96 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans £96 m since 2014 in secured homeowner and other property loans, cars, boats and fine wine, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA. Minimum investment is £10K (£5k in an IFISA), spread across dozens of loans IFISA Details
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

HNW Lending has completed £96 million across 400 loans since 2014. Most of its loans are property loans, although it also completes loans…

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Growth Account/Growth IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

4.5%

£230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

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P2P Lending Company Lending Product Name	Growth Account/Growth IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.5% 4.5%
Description	£230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA £230 m in personal loans since 2014, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table. The rating shown is for new lending from 2021.

Lending Works Quick Expert Review: good risk-reward balance in ordinary times, but shocks are shaking confidence of existing lenders

Lending Works started in early 2014 and has completed £230 million in personal loans. Lending Works has strong defences…

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90-Day Access Account/90-Day Access IFISA

How do 4thWay PLUS Ratings work?

5/10 How do Risk Scores work?

4.18%

£1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details

Visit Assetz Capital

P2P Lending Company Lending Product Name	90-Day Access Account/90-Day Access IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	5/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	4.18% 4.18%
Description	£1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA £1.4 bn since 2013 in secured business loans, rental property loans, & short-term (bridging) property & development loans, with reserve fund, auto-lend, auto-diversification & early exit. Available in an IFISA IFISA Details
Get Details	Visit Assetz Capital
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Assetz Capital Quick Expert Review: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

Assetz Capital does the widest variety of loan types of any P2P lending or IFISA provider in the UK…

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LandlordInvest Bridging Loan Self-Select Account/IFISA

How do 4thWay PLUS Ratings work?

7/10 How do Risk Scores work?

10.89%

£13 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA IFISA Details

Visit LandlordInvest

P2P Lending Company Lending Product Name	LandlordInvest Bridging Loan Self-Select Account/IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	7/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	10.89% 10.89%
Description	£13 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA £13 m since 2017 in secured short-term (bridging), plus some residential and commercial BTL loans, with early exit. Available in an IFISA IFISA Details
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Adjustment for expected bad debts is not yet being applied to the interest rates.

LandlordInvest may be relatively new, but it’s building an excellent record

LandlordInvest mostly does residential bridging loans, but also some commercial-property bridging (e.g. loans…

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Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA

How do 4thWay PLUS Ratings work?

7/10 How do Risk Scores work?

6.70%

£135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA IFISA Details

Visit Proplend

P2P Lending Company Lending Product Name	Tranche B, 51-65% LTV, & Tranche C, 66-75% LTV Loans Against Property Receiving Rent/also in an IFISA
4thWay^® PLUSRating	Open a panel below this table to see How The 4thWay PLUS Ratings Work
RiskScore	7/10 Open a panel below to see How The Risk Scores Work
Interest AfterBad Debts	6.70% 6.70%
Description	£135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA £135 m lent since 2014 secured on property receiving rent and some short-term (bridging) property loans, with early exit. Available in an IFISA IFISA Details
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We earn commission from this peer-to-peer lending company and IFISA provider. It doesn't affect our impartiality. See details below table.

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Proplend does secured property lending in the UK, usually to landlords of residential properties or commercial…

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Most items in our comparison tables are updated at least monthly with some items updated daily, weekly or monthly. 4thWay® PLUS Ratings and 4thWay® Risk Scores are updated roughly every six months. Sources: 4thWay® and the peer-to-peer lending companies.

Peer-to-peer lending in the UK: review and compare your P2P options!

Here, you get to see UK peer-to-peer lending reviews, research and P2P comparison for your investment decisions. You won’t just see the best peer-to-peer lending in the UK here, but also the – let’s say – rather less than best! Because we don’t hold back with our candid research. We candidly review any P2P investment that takes the step of opening its people, business model and results to 4thWay’s intensive scrutiny.

Plus, you’ll find here our unique ratings, which stress-test how lending through specific lending accounts and loans might perform in a severe recession and property crash.

If you are either based in the UK or would like to lend through companies based in the UK, 4thWay’s specialists in investing, credit and credit-risk provide the most thoroughly researched and professional comparison.

Impartial. Accurate. Expert. Checked by users like you.

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Click on the checkboxes and click “Get more details”: to compare over 100 data points.

All P2P lending sites are eligible be listed here if 4thWay and lenders are provided enough information to assess them properly.

For a list of the P2P lending sites that aren’t listed above, and the reasons why they are missing, read this FAQ: Why don’t you list LendInvest, Wellesley & Co., and some others?

PLUS Rating	Result in severe recession/crash
Five PLUSes	No losses, or losses recovered within 2 years
Four PLUSes	Losses recovered within 3 years
Three PLUSes	Losses recovered within 4 years
Two PLUSes	Losses recovered within 5 years
One PLUS	Losses recovered within 6 years
Unrated	Not enough data/history, or losses not recovered

Compare Peer-to-Peer Lending Accounts

Comparing all peer-to-peer lending products, including IFISAsCompare IFISAs only

Showing 30 peer-to-peer lending opportunities, sorted by worst PLUS Rating first, then by Risk Score and finally by interest rate.

SoMo Quick Expert Review: high interest rates and great reviews from lenders, but lets itself down on transparency

BLEND Network Quick Expert Review: interest rates look good and its first few years have got off to a fantastic start

CapitalRise Quick Expert Review: will be surprised if this one isn’t a good’un

ArchOver Quick Expert Review: a P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders

SAVY Quick Expert Review: promising potential

Flender Quick Expert Review: “own crowd” concept with great potential

Downing Crowd Quick Expert Review: could make a nice addition to your lending portfolio

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

Zopa Quick Expert Review: the oldest peer-to-peer lending website shows its maturity in its results

CapitalStackers Quick Expert Review: attractive opportunities for active lenders to pick high-quality loans with very large profit potential

Lending Works Quick Expert Review: good risk-reward balance, in some ways outperforming pandemic expectations, but mistakes have shaken confidence of some lenders

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

CrowdProperty Quick Expert Review: development lending as a low risk, high-interest rate opportunity

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

Loanpad Quick Expert Review: auto-spread your money across loans backed by property 2-3 times greater than the loan size

HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Kuflink Quick Expert Review: a profitable property lending record since 2011 and highly satisfactory lending results

Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Invest & Fund Quick Expert Review: the only P2P lending company that has a combination of five things, leading to excellent risk-reward balance…

Assetz Capital Quick Expert Review: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

HNW Lending Quick Expert Review: a “swinger” with a high number of very secure loans and first loss usually paid by its directors

Lending Works Quick Expert Review: good risk-reward balance in ordinary times, but shocks are shaking confidence of existing lenders

Assetz Capital Quick Expert Review: outstanding lending results on unique property and secured business loans, with lots of manual and auto-lend options from just £1

LandlordInvest may be relatively new, but it’s building an excellent record

Proplend Quick Expert Review: fantastically good property security, usually backed up by steady rent, and excellent returns for lenders

Peer-to-peer lending in the UK: review and compare your P2P options!

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Low risk, not no risk

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.

Why are Orchard’s interest rates different?

Why are Wellesley’s interest rates different?

Important information before you visit Wellesley & Co.