Has P2P lending outperformed long-run returns from the stock market, and with more stability? Where to look for information on shares I’d like to start by crediting the research on shares – and bonds – by Credit Suisse and the London Business School. If you…
RateSetter (which recently closed its P2P business with all lenders in profit after being sold to Metro Bank) and Lending Works* both had to adjust lending interest rates during the pandemic to cover the additional losses from the recession. Their reserve funds alone didn’t cover…
One of the key things to understand when putting your money into a lending account is the competence and character of the people behind the P2P lending company in question. While I can’t distill all 4thWay’s acquired knowledge and method for scrutinising key people, I’m…
Lending Works has said to us that lenders have expressed support of it during the pandemic. And we have corroborating evidence that it’s probably a minority of lenders who are truly angry. Yet there’s certainly some anger going around. While it has so far justified its…
P2P lending often pays better than bonds and there are several reasons for this: Illiquidity – you might not be able to sell up early Most people invest in bonds through bond funds, where they can sell their holdings in those fund right away, even…
[orangebox] Lending Works* states that no lender has lost money while some Lending Works lenders have written to us saying that they have. What’s really going on? This article has two parts: Firstly, to talk about whether any lenders have suffered an overall loss at…
4thWay’s specialists have reassessed Lending Works’ ratings. This mostly involves reassessing the performance of their loans and stress testing them with horrible disaster scenarios, such as assuming a severe recession and property crash. In these circumstances, can lenders still end with an overall profit? The…
See the latest update on the subject below in Update On Kuflink’s Financial Results And Auditor Reports. Let’s catch up on 3/3 4thWay PLUS-Rated P2P lending company Kuflink* – which has had a stern ticking off from its former auditors, Ernst & Young, who resigned….
Below is the latest Lending Works review given by one of 4thWay’s specialists. On 14th December, 2021, Lending Works changed its business model, so that lending is now only done by financial institutions. Inidividual lenders will see their existing loans steadily repaid. I currently have…
For fast-growing startup companies – which includes most P2P lending sites – being profitable isn’t usually the best measure of whether it will succeed. This is especially the case since most of them are not profitable. And you don’t expect them to be. They need and…
Here’s the Octopus Choice review from one of 4thWay’s specialists: 4thWay’s Quick Expert Octopus Choice Review [orangebox] On 25th February, 2021, Octopus Choice said that it’s permanently closing its P2P lending platform. Lending results during and prior to the pandemic have been exceptional and existing lenders…
Borrowers provide personal and even corporate guarantees to say that their own personal or other business assets, including cash and their residences, can potentially be called upon to pay off a business debt. The business debt might be a small business loan or a property…
Here’s the Growth Street Review from one of our specialists. (You can see all the reviews in our comparison tables.) 4thWay’s Quick Expert Growth Street Review Growth Street has wound down its existing lending Growth Street, established in 2014 with a total lent of ,…
Here is the quick MoneyThing review by one of 4thWay’s experts: Update at end December 2020: MoneyThing has gone into administration. Administrators have been appointed to wind-down the outstanding book of loans by collecting and chasing payments from borrowers. As of December 2020, the administrators…
The 4thWay PLUS Ratings and 4thWay ALT Ratings have been showing their worth during the pandemic and we strongly expect they will continue to do so. P2P lending doesn’t evolve around the world of COVID-19, though, so there have been a few changes to 4thWay…
It’s been a lot of work trying to stay on top of all the P2P lending companies for you during the pandemic. as we sought extra information, meetings and data submissions from the P2P lending companies. Here’s a summary of much of our recent research….
Peer-to-peer institutional lending – that’s lending from banks and the like – is becoming a bigger theme as the P2P industry grows. And institutional lending could actually impact individual lenders’ results. Below, I’m listing a lot of the peer-to-peer lending sites that have been the…
For the full story on HNW Lending, read the HNW Lending Review. [orangebox title=”Latest update”] Update on 28th October, 2020 HNW Lending has given us more good news today. It says the financial regulator has now allowed it to remove the temporary restrictions that HNW…
Proplend has just reached £100 million in lending since it started in 2014. This seems to me to be an apt time to take a look at its rate of growth and how it’s changed, especially regarding risk level, as well as to take another…
Certainly, it’s not much of a prediction to guess that, over the long term, house prices will rise. I mean that’s very clear. So I’m concerning myself today with short-term house prices, which can be more relevant when lending anyway. House-price movements change the risks…
