History has shown so far that when P2P lending sites close, most of them continue to disburse to lenders their loan repayments and interest without large blips. They wind down gradually until everything is repaid. (Although, as usual, you can suffer losses from bad debts…
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…
Downing Crowd used to offer property development lending and wholesale lending (lending to other lenders). Downing Crowd never officially announced it was winding down, but it put up a note stating it was no longer approving new opportunities through its online lending platform during spring…
While 4thWay’s specialists have an exceptionally deep understanding of lending risks (such as risks from bad debts) and that is where their greatest strength lies, no-one here doing any 4thWay research ignores cyber risks as well. The team here obtains soft searches of website security…
We had a question from a reader about a closed P2P lending provider that had around £200 million of lending outstanding when it decided to change its business model and wind-down P2P lending in December 2022. 4thWay reader’s question Hello I have found your knowledge…
That’s a clickbait sounding title, but it is meant genuinely and there’s a lot of evidence to back it up. Quite a few 4thWay readers report being comfortable lending against residential property development projects, but say in contrast they don’t understand lending to landlords who…
Just as Kuflink changed its group name to The Something More Group – presumably to give itself a restart, a rebirth and to rebuild its reputation – seemingly its first action was to put a load of 5/5 reviews on Google for one of its…
I’m going to pull out and simplify some of the recent research 4thWay’s specialists conducted on LANDE*, the EU-based P2P lending company that enables you to lend to farmers for 10%+ interest rates. Trends in bad debts How many loans turn bad quickly now compared…
With double-digit realised gains so far, returns of 20%+ highly possible, and being unaligned with recessions and property crashes, why wouldn’t you consider this opportunity? Before you read on, AxiaFunder is available to you only if you have invested at least £10,000 in unlisted investments…
The judgment from the High Court on the group claim for 1.6 million people against 14 car manufacturers was handed down on 10th July, 2026. While there was a small win for claimants within the judgment, it was definitely what you’d call an overall loss….
Six years ago (I can’t believe it’s that long!) I wrote two pieces on institutional lending: Is Institutional Lending In Peer-To-Peer Good For You? Which Peer-To-Peer Lending Sites Have Institutional Lending? You can read those for an explanation of what it is and how institutions…
HNW Lending’s averaging of the valuation of the borrowers’ properties after directors taking first loss, received an Exceptional 3/3 4thWay PLUS Rating. That lending account is paying around interest before losses. HNW Lending’s pays 7.00% with additional borrower interest that has so far fully covered…
In a very positive development that provides some reassurance about Kuflink, one of its two major restrictions is gone from the financial regulator’s register. The restriction on it taking new customers – borrowers or lenders – has been removed. This would suggest that Kuflink has…
Two small changes to write about today. About selling your auto-lend holdings For quite some time, Kuflink lenders have been allowed to attempt to sell individual loans they chose for themselves. This is when they used Kuflink’s manual lending account, called “Select-Invest”. Now, as of…
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…
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . Visit Somo* or keep reading the Somo Review.
A number of funds that mimic the role of banks have sustained losses. Furthermore, they’ve had to restrict withdrawals from investors, sparking concerns of weaknesses in the global financial system. You might have read about these problems repeatedly over the past half year. It’s called…
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…
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from AxiaFunder, CapitalRise, CapitalStackers, HNW Lending, Housemartin, Loanpad, Proplend, rebuildingsociety and Somo, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or when you make an investment, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
**This peer-to-peer lending site is listed in our comparison tables. We always list all P2P lending sites that provide us with enough information and data – well over 100 data points plus interviews by our experts with the key people.
