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Assetz Capital Provision Fund To Pay Out For First Time

For the first time, Assetz Capital* is going to declare losses on some loans, it has told 4thWay. In other words, it’s writing off bad debts that it sees no prospect of recovering in full. Its reserve funds – which it collectively calls “provision fund” – are going to pay for those losses. Assetz Capital… Read more

Assetz Capital’s 4thWay PLUS Ratings Down & Upgrades – Nov 2017

As peer-to-peer lending website Assetz Capital’s loans have matured (got closer to their final repayment dates or been fully repaid by borrowers) we can now see better how they perform in terms of bad debt. In addition, the mix of different types of loans offered by Assetz Capital, and their characteristics, has changed, which impacts… Read more

I Know What You’re Thinking About P2P Lending And You Were Right All Along

Taking a hard, cold look at that jumble of ideas, desires and fears we have in our own noggins should not be an afterthought, and reading about investor psychology not just something to do one idle evening in an armchair after we’ve already got our money invested. Instead, I think it is the most important… Read more

Flender Review

Flender* is a new peer-to-peer lending website that has recently provided us enough information to be listed in 4thWay’s peer-to-peer lending comparison service. This takes place after our experts’ usual exhaustive questioning and data gathering. One of them has written a brief summary of their key findings and an own opinion in this Flender Review:… Read more

Assetz Capital Review

This is a review written by one of 4thWay’s experts. You can find this review as well as quick expert reviews on most other peer-to-peer lending companies in our comparison tables. 4thWay’s Quick Expert Assetz Capital Review Fantastic results from unique property and secured business loans Assetz Capital* is established and large, with lending in the… Read more

HNW Lending Quick Expert Review

Here is one of our experts’ most recent quick expert review’s of HNW Lending. It is available in an IFISA. HNW Lending Quick Expert Review The most secure loans in the industry (if you’re selective), plus highly personalised service HNW Lending has completed tens of millions in loans since 2014. Its key decision maker has… Read more

The Two Best Compliments We’ve Ever Had

Thank you for all the fantastic feedback we have received from all our users, industry insiders, as well as experts in our fields who we’ve respected for a very long time. It really helps all the writers, specialists and the whole team at 4thWay to keep us going, fighting the corner for individual lenders, making… Read more

Why Doesn’t 4thWay List LendInvest, Brickowner or PropertyCrowd?

Some 4thWay users asked us about three P2P lending sites missing from the 4thWay comparison tables, and about a fourth P2P lending site that has been proving frustrating. Here are their questions and our answers. S Smith, 4thWay user: I think your website is very helpful. Well done. However, I cannot find any information on… Read more

Bad Debts Resurface At Funding Circle

  A long question from 4thWay reader Pete Harper about Funding Circle. Pete Harper, 4thWay user: How do you all feel about Funding Circle and their bad debts these days? I decided about 6 months ago to pull out of FC because of what seemed to be the increasing number of loans that were going… Read more

Which P2P Lending Sites Lend In Their Own Loans?

In this article today, I’m looking at P2P lending company money: which P2P lending sites put a lot of their business cash on the line? This is to follow up on the recent 4thWay article about P2P lending site founders who lend their own money through their own sites. It’s got trickier for P2P lending… Read more

Today’s average interest rates

4thWay® Forecast Returns Index: 4.83%

Showing average expected interest rates for individual lenders after fees and bad debts if you lend today.
Read about the first P2P lending index.

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.

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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

×
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