One of 4thWay’s specialists has again updated the SoMo Review, summarising the key points. (If you’ve come here for the BridgeCrowd Review, BridgeCrowd has now become SoMo.) It will probably take 9-10 minutes to read the main section. If you want to read the extra detail we go into on some topics underneath, it’ll take… Read more
Candid Opinion
SoMo Review
How Many Small Business Loans Should Lenders Spread Across?
This article covers: What is unsecured small business lending? When do small business loan bad debts occur? How and when do these loans make a profit? What do individual lenders need to do to reach a profit? How much does platform ability, borrower quality and spread of risks matter? How many loans are needed to… Read more
UK Peer-to-Peer Lending For Overseas Residents
Here’s our list of P2P lending companies that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that you can’t. In addition to any requirements below, you may only open an IFISA if you are a UK taxpayer and have an National Insurance number. Overseas investors allowed… Read more
LendingCrowd Review
4thWay’s LendingCrowd Review: with business loans P2P site LendingCrowd*, you can select loans yourself to earn higher interest or spread your money automatically across many loans. Here’s our specialist’s LendingCrowd Review. (You can find all our reviews in our comparison tables.) Note that LendingCrowd is not currently accepting new lenders or new deposits, because it… Read more
Lendy High Court Result Great News For P2P Lenders
I’m not new to reading long-winded court judgments, so I want to write about some interesting points for lenders that came up in this 83-page High Court judgment on Lendy this month. My thoughts are not specifically for people who lent through Lendy, the disgraced P2P lending company that went bust under a cloud of… Read more
The 10 Key Peer-To-Peer Lending Risks
The main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money due to fraud or negligence. Selling into a loss (crystallising losses). Losses because you can’t sell early (losses from… Read more
Is The Assetz Capital Login Secure?
The Assetz Capital* login page is one of the key focal points for security risks on its website. We have assessed this page – as well as the entire website – for its cybersecurity. Most websites now earn the “secure” symbol next to the website address in your browser window, but this is far cry… Read more
P2P Lending And IFISA Cashback Deals Available Now
There’s not much in the way of generous P2P lending cashback or IFISA cashback deals at present – but one provider is offering up to £4,000 (up to 4%) to new lenders. Further down this article, you’ll see the more modest cashback deals that are available. We’ve also started adding referral schemes or other ways… Read more
ArchOver Review
The ArchOver Review is written by one of 4thWay’s specialists. 4thWay’s ArchOver Review A P2P offering we would like to like, but it doesn’t trouble itself with providing much data to prospective lenders. What ArchOver does ArchOver primarily does UK business loans that are largely secured on whatever business assets are available, with a… Read more
What You Need To Know About P2P Bridging Lending To Contain The Risks
Each type of lending has its own particular unique sides and risks. One aspect of bridging lending is when a P2P lending company sets up a loan and then allows the borrower to repay that loan at the end by taking out another loan. Most importantly, you need to understand when this new loan is… Read more