Sourced Capital’s Bridging & Development loans are currently unrated, due to not enough information being provided. This account has been paying lenders in the region of interest after bad debts. Visit Sourced Capital or keep reading the Sourced Capital Review.
FOLK2FOLK’s Property-Backed Business Lending Account/IFISA unrated, due to lack of information. This account has been paying in the region of interest after zero losses to lenders. Visit FOLK2FOLK or keep reading the FOLK2FOLK Review.
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? An IFISA…
As you may know, you can only open one IFISA in a tax year, which runs from the 6th of April to the 5th of April, and this limits your ability to spread your money and the risks across lots of providers. Opening more than…
At present, there are no cashback deals of note available.
Assetz Capital’s 90-Day Access Account continues to earn an Exceptional 3/3 4thWay PLUS Rating. After bad debts, which are usually paid for by a reserve fund, Assetz Capital is targeting for lenders. Visit Assetz Capital or keep reading the Assetz Capital Review.
If you find lending is too slow in one of your IFISAs, and the cash in that IFISA is all from prior tax years, you can simply transfer any unlent cash to another IFISA. That’s provided your IFISA provider allows you to make partial transfers*….
This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review Still want to read the Zopa Review? We’re keeping the last version of…
Northern Provident Investments was a company I’d never even heard of that offered IFISAs. It recently shut down, possibly because it offered mini-bonds, which the FCA recently banned from mass-marketing. Clearly, it was small. It also seems likely it either didn’t offer P2P lending investments…
Kuflink is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest…
LendingCrowd’s Growth Account is unrated, due to lack of information. These loans have been paying lenders interest after bad debts. Visit LendingCrowd* or keep reading the LendingCrowd Review.
Assetz Capital was one of the businesses that temporarily paused P2P lending last year in order to offer businesses government-backed pandemic loans, which weren’t available as P2P. It’s now reopening its P2P lending, but it could be some weeks before lenders can put new money…
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…
[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…
Loanpad now rated Loanpad* (read review) has earned the top 4thWay PLUS Rating of 3/3 “Exceptional” on its Premium and Classic accounts/IFISAs, after its history reached enough maturity for our ratings calculations to be meaningful. The 4thWay PLUS Ratings are a measure of both risk…
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…
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…
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.
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