History has shown so far that when P2P lending sites, close, few of them end up paying reduced returns to lenders as a result of closing down and winding down loans until they’re repaid. (Although, as usual, you can suffer losses from bad debts after…
We have nagged the taxman’s notoriously tight-lipped officials, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions, as well questions you never thought to ask. Here goes: What is an IFISA? For the…
Here’s an overview of how you can earn an income and make money by helping others escape the banks through peer-to-peer lending. You open an online account with one or more peer-to-peer lending companies, and then you can lend money to people or businesses, including property owners….
Peer-to-peer lending is on average relatively low risk compared to the stock market and it is relatively easy to assess compared to picking shares – provided you arm yourself with knowledge. But it’s still, most definitely, an investment, meaning carelessness, greed, panic, pride, fear and…
This guide page is to: Describe to you just how incredibly powerful it is to spread your money across lots of high-quality loans. Offer guidance on how much diversification you need. Give you tips on how to go about doing that and how to lower…
We’ll show you: Why buying and selling loans won’t always be speedy, and can sometimes be nigh-on impossible. What the delays cost you and how long they might last. The silver lining: that your risks actually come down due to slow lending and good investing…
It was a lot of years ago when we assessed Unbolted’s lending processes, and then lost contact with them for a long time. In summer 2023, however, we’ve received substantial supporting evidence and answers to go along with a relatively short interview on lending processes…
Here’s our list of P2P lending companies that we are aware of that you can lend through from overseas, i.e. outside the UK. And there’s another list below of those that we know you can’t. In addition to any requirements below, you may only open…
UK Limited companies and Limited Partnerships are allowed to lend through P2P lending websites. The ones we know of where this is allowed are: Assetz Exchange*/** AxiaFunder*/**. CapitalStackers*/**. CP Capital. CrowdProperty.** Downing Crowd**. EstateGuru. Folk2Folk. Invest & Fund*/**. Kuflink*/**. LandlordInvest. Lendwise*/**. Proplend*/**. SoMo*/**. Sourced Capital.** Limited…
Your main protection is that loans and cash are segregated Firstly, lets get a sense of proportion. Because FSCS protection here is actually a very minor point. If you have loans at a P2P lending company or if that site is holding some of your…
The number and type of P2P lending companies operating from the UK changes regularly. We keep this page updated every quarter. On this page, you’ll find: Full alphabetical list of the peer-to-peer lending companies in the UK. Which includes: – What types of lending they…
The process of money lending has been very profitable for thousands of years, even before computers and credit reports. For many decades now, it has become especially easy to assess borrowers and decide what interest rates to charge them. Research from Liberum and data from…
In China, the number of websites offering lending platforms reached more than 2,000. For a long time, after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways than…
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 a solvent wind down (more platform risk)….
The key risks in IFISAs are: Psychological risk: your own greed and fear. Concentration risk: you don’t spread your money across lots of loans and P2P lending sites. Credit risk: borrowers don’t repay you. Platform risk: the P2P lending site (the “platform”) goes bust and…
In this guide, we explain how peer-to-peer lending performs when compared against stocks and other investments. Here’s a short summary of what you’ll learn Useful investments for most people are 1) Savings accounts, 2) peer-to-peer lending, 3) buying your own home and 4) the stock…
When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. You can also open specific peer-to-peer lending accounts, called IFISAs, which are always free of income tax…
A peer-to-peer lending secondary market – or marketplace – allows you to buy and sell existing loans after they have already begun. Why would you do this? Because it can be quicker, safer or more profitable: You might sell because you need the cash before…
Benjamin Graham was a highly intelligent investor who basically invented the most successful way to invest in shares. He didn’t go for all the complexity of many of his other colleagues in his industry. Just like all highly successful long-term investors that we know of,…
Getting your money back when using auto-lend Some P2P lending accounts and IFISAs spread your money across loans automatically or have similar “auto-bid” or “auto-lend” features. When it comes to getting your money back from these sorts of accounts, a 4thWay user summed up the…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
Our service is free to you. We don't receive commission from the above-mentioned companies. We receive compensation from some other P2P lending companies when you click through from our website and open accounts with them. This doesn't affect our editorial independence. Read How we earn money fairly with your help.
