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Crowd2Fund Loan Book Published, Sheds New Light

Crowd2Fund*, the business loans P2P lending site, has now started to publish its full loan book with detailed information about every loan that has been made through its website. It’s fair to say I now understand Crowd2Fund far better than I did just two weeks ago. You can see the Crowd2Fund loan book for yourself here,… Read more

HNW Lending Continues To Produce The Goods

New loans continue to include a high proportion of very attractive senior loans under 50% LTV. (If you don’t understand what that means for lenders, I’ll explain below.) HNW Lending acts rapidly to recover debts that might turn bad, which dramatically improves bad-debt recovery results. Before reading on, you should know that HNW Lending sets… Read more

Tesla Bonds Prove P2P Lending Is Safer Investment

Many Tesla bond investors are complete lunatics. Today, I read on CNN that Tesla bonds have fallen in price so much that anyone buying its bonds due for repayment in 2025 will now effectively earn 8.6% annual interest. (A falling price for selling your bonds leads to a higher effective interest rate for the buyer.)… Read more

Extra Risk In Buying Second-Hand FundingSecure Loans

With most P2P lending sites, the interest is paid to the original lender and any new lender buying second-hand loan parts just buys the actual loan part. When a borrower repays early However, with FundingSecure, when you sell a loan part then the new lender buys the loan plus all the accrued interest in the loan…. Read more

FundingSecure Review

One of our experts has updated this FundingSecure Review: 4thWay’s Quick Expert FundingSecure Review Needs to provide more details and there’s a wide spread of risk in these higher-rate loans FundingSecure’s own total lending figures on its website overstate its size, but it has still done well over £100 million in lending since 2013. FundingSecure… Read more

Growth Street: Is Its Reserve Fund In Trouble?

4thWay user David Bradshaw had this question for us about Growth Street*: “Firstly, I’d just like to compliment you on your excellent website as it’s been a helpful resource for me as I’m sure many others before me, on starting with P2P investments. I now have investments with most of the major P2P platforms, and… Read more

The Contradiction That Is FundingSecure: Is It Good Or Bad?

FundingSecure has a number of contradictions that lenders need to get their heads around if they are to use it successfully, meaning with a full understanding of the risks that lead to it paying high interest rates. Contradiction 1: borrowers are low on cash, high on property FundingSecure’s borrowers are cash poor, but asset rich…. Read more

23 Property Peer-to-Peer Lending Websites

A few property peer-to-peer lending websites offer loans that are intrinsically low risk, such as homeowner mortgages, residential buy-to-let mortgages and commercial buy-to-let mortgages. In other words, the properties are receiving rent. Other property peer-to-peer lending websites offer loans that are intrinsically higher risk, such as development loans and bridging loans. (See sidebox, below right, on “What are bridging… Read more

ArchOver Review: Secured And Insured Business Loans

Without any ado, here’s my Quick Expert Review under 450 words that you can read in about two minutes, followed by my candid and full ArchOver Review: Full ArchOver Review: introduction One of ArchOver’s* directors made a bold claim shortly after it started matching business borrowers to individual lenders in August 2014: that ArchOver is the safest… Read more

Readers’ Q: Do I Need To Invest In Shares If I Do P2P Lending?

Greg, a 4thWay reader, has asked: “First of all, I must just say how much I’ve appreciated your website as I’ve gone about educating myself in the area of investing over the past few months. “My wife and I have just made our first P2P investment, with more to follow when our house sale goes… Read more

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Today’s average interest rates

4thWay® Forecast Returns Index: 4.70%

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

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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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