JustUs Update On COVID-19

By Lee Birkett, CEO & Founder of JustUs. A calm head in troubled waters I never believed in my lifetime that I would be writing to a locked down nation, but we are where we are, and I believe we will all get through this…

CrowdProperty’s Recent Update On COVID-19

By Michael Bristow, CEO & Co-Founder of CrowdProperty. It’s been an unprecedented week for us all. At CrowdProperty we’ve worked extremely hard to maintain the service, quality and reliability we’ve grown our reputation on. This week we funded 3 quality projects totalling almost £1,000,000 of first-charge…

Funding Circle Update On COVID-19 19th March 2020

By Funding Circle. An update on coronavirus With the impact of coronavirus continuing to be felt, we know that many of you are concerned about your investment and the wider financial landscape. We want to reassure all our valued investors that we are taking appropriate…

LendingCrowd Update On COVID-19 13th March 2020

By LendingCrowd. Amid the ongoing coronavirus (Covid-19) outbreak, LendingCrowd stands ready to help our valued community of borrowers and lenders. With the stock market experiencing volatility in recent days, it is important to remember that LendingCrowd only lends to British businesses that have been carefully…

The Election Result Is Boosting P2P Lending

Crowd2Fund’s CEO recently expressed strong views on the subject of industry news and forecasts, so we invited him to write about them on 4thWay. 4thWay’s editor (Neil here) added in subtitles and lightly edited. The election result helps the P2P industry grow rapidly Crowd2Fund* is…

Growth Street’s Largest Loans Turn Bad

There’s been quite an exciting development at Growth Street. I use the word “exciting” to mean it’s a story with a lot of bang, rather than good news. Certainly not for me, as it reveals a mistake by me. Probably my biggest since co-founding 4thWay….

Man Down! (I Mean, Person Down. Or Persons.)

We’re still down several persons for our Panel of Peers, so I hope you’ll consider volunteering. The Panel governs 4thWay on behalf of all lenders to ensure it remains  independent. 4thWay’s Panel of Peers maintains our accuracy, impartiality, and candid research. I’m glad to say…

P2P Pensions Guide

Most people benefit from automatic tax breaks on peer-to-peer lending as explained in our guide: How Is Peer-to-Peer Lending Taxed? However, not everyone does, which can make lending through a pension attractive. And there are other advantages to lending in a pension. There are also cons though,…

P2P Site FundingSecure Collapse: 10 Things You Need To Know Today

At 10.48am yesterday (Wednesday, 23 October), UK financial regulator the Financial Conduct Authority released this notice. This made public the news that regulated P2P lending website FundingSecure had gone bust, with CG Recovery Ltd (CGRL) appointed as administrators to the failed platform. FundingSecure operated a…

How Peer-to-Peer Lending Works

We try to explain peer-to-peer lending in What Is Peer-to-Peer Lending? However, it can sometimes be easier in an image. So we’ve created one for you called “How Peer-to-Peer Lending Works – For Investors”. Click on it to open it up. There is a mobile-friendly…

Does Landbay’s £1 Billion Deal Affect You?

Landbay has just announced that a “major financial institution” will lend another £1 billion through it. Landbay has previously arranged over £300 million in loans, with most of that coming from regular lenders. I asked Landbay* some of the key questions that our experts at…

Lending Works And HNW Lending PLUS Ratings Updates

HNW Lending PLUS Rating update HNW Lending* now has 3/3 PLUSes – the highest and top 4thWay PLUS Rating – on both its senior loans and junior loans. Previously, its junior loans had a 2/3 PLUS Rating. For junior loans, its 4thWay Risk Score ticked…

Thoughts On Lendy And BondMason Closures

This is just a brief note on the two recent P2P lending site closures. Lendy has closed after lenders suffered a high amount of late and bad debt, as well as very expensive legal problems, among other things. (I wrote about some of its issues…

 Win £100 In May – By Helping Fellow 4thWay Users

In May, the most interesting and well-written comment about peer-to-peer lending or IFISAs that is posted on 4thWay’s discussion boards, or the most interesting emailed contribution we receive, will win £100 if we choose to publish it. We may even pay out for more than…

Latest 4thWay PLUS Rating News

4thWay’s experts are now part-way through their latest reassessment of the P2P lending sites’ (and P2P IFISA providers’) 4thWay PLUS Ratings. As usual, they took the opportunity to make measurable improvements to our ratings methodology. All the improvements make the 4thWay team feel better, because…

4 Lessons For P2P Lenders From 2018

2018 was another record year for peer-to-peer lending, with several big players passing major milestones last year. Big numbers and positive returns During 2018, Zopa passed the £4 billion mark for cumulative lending since launching in 2005, while cumulative loans at RateSetter passed £3 billion…

Lendy Sends Shockwaves But No Surprises

From our point of view, it was never a good start for  Lendy, formerly called Saving Stream. Since the beginning, it never passed the basic, simple tests cited in principles one and three of 4thWay’s 10 P2P Investing Principles. In short, Lendy hasn’t provided enough…

CrowdProperty Opens Up On Its Performance

We have some rare information about CrowdProperty‘s performance and it looks like it is finally opening up, allowing a wee bit of analysis of some the risks. This is great for me, because I’ve suspected that this is one of the rare P2P lending sites…

Proplend: Now You Can Auto-Lend On 50% LTV Property Loans

Proplend has launched an auto-lend feature for its “tranche A” property loans, whether you lend through its regular account or its IFISA. Proplend’s tranche A loans are for a maximum of 50% of the property’s valuation. Many loans are against properties that are earning income for…

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