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Assetz Invoice Finance: P2P Lend Against Due Bills

Expected interest rate of 10% to lenders before bad debts. You can lend as little as £1.   Assetz Capital has just released some details of its new business invoice lending venture. The P2P lending company already does business loans, as well as short-term and developer property loans. Lenders have lent £55 million through it in the… Read more

11 Biggest Peer-to-Peer Lending Companies in 2015

AltFi predicts that we will collectively lend close to £3 billion to people and businesses in 2015. That’s twice as much as in 2014. The introduction of tax-free lending through new P2P ISAs might help boost lending even further. Lenders using RateSetter, Funding Circle and Zopa, the three biggest peer-to-peer lending companies, will lend over… Read more

Business Peer-to-Peer Lending in 2015

A common theme in all today’s peer-to-peer lending news articles and blogs on 4thWay has been the see-saw effect: more borrowers make it easier for lenders to lend at better rates while borrowers have to pay more. This encourages more lenders to come, which makes it harder for them to lend at better rates as… Read more

The Worst and Best Month to Lend

Two factors can impact the best and worst times to lend your money: peak borrowing months and the see-saw that P2P lending companies struggle with to keep borrowers and lenders in reasonable balance. Worst and best month to lend to consumers Kevin Allen of RateSetter has 20 years experience in finance and in risk management… Read more

Wellesley & Co. Lenders Now Diversify Across 100 Loans

All individual lenders on Wellesley & Co. are now spreading their risks across 100 different loans. The number will likely rise as Wellesley continues to grow. Wellesley has just reached 100 outstanding loans. The property P2P lending company automatically splits all lenders’ money across all loans. It readjusts the split every Friday as loans are paid off and new… Read more

Earn 6.1% Interest Through Lending Works

Lending Works has made itself even more attractive to lenders by ramping up its interest rates. It has pushed up its three-year rate from 4% to 4.3% and its five-year rate from 5.5% to 6.1%. The five-year rate is now the best of all the peer-to-peer lending companies that are both dead easy to use and… Read more

High-Rate Loans From rebuildingsociety This Week

Here are the latest high-rate loans that are open for you to bid on from rebuildingsociety, the P2P lending company that finances riskier loans to businesses. B grade loan to heat treatment company Update: this loan has been extended to 15 January due to the owner suffering some difficult personal news. A company that does… Read more

Peer-to-Peer Lending Secured Against Banksy Paintings

FundingSecure offers peer-to-peer lending secured against valuable items, such as yachts, luxury watches and – this week – original Banksy artwork. No lenders have lost money using FundingSecure, even though the average interest rate after fees and bad debts has been just shy of 13%. FundingSecure has six outstanding loans at this moment. Since FundingSecure’s loans are first-come,… Read more

Funding Circle’s High-Grade, High Rate Loans

You can lend money to businesses through Funding Circle graded by the peer-to-peer lending company as “A+” – its highest grade. Although Funding Circle conservatively estimates that 0.6% of these loans will go unpaid each year, not even 20 A+ loans have gone bad in the four years that this P2P company has been operating. Average annual… Read more

How Funding Circle Lenders Will Survive A Terrible Economy

The oldest business and property P2P lending company has checked out how us lenders would come out of an economic disaster. Funding Circle asked Hymans Robertson, an external consultancy, to conduct the same “stress tests” on it as the banks have been required to do by the Prudential Regulation Authority since the Great Financial Crisis of 2008. The stress… Read more

Today’s average interest rates

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.

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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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