This review is temporarily down Normally, when 4thWay’s specialists reassess peer-to-peer lending providers and other online direct lending providers on behalf of individual lenders, the new assessment is put up on the 4thWay website with no downtime in between. However, perhaps once per year on…
Invest & Funds accounts are unrated. The standard account and the IFISA have been paying , according to Invest & Fund. Visit Invest & Fund or keep reading the Invest & Fund Review.
LANDE* was the first ever P2P lending company in either the eurozone or continental Europe to be fully assessed by 4thWay. Lenders using LANDE have lent since 2020. What does LANDE do? LANDE’s borrowers are Latvian, Lithuanian and Romanian businesses – almost all farmers. Loans…
Today, just a reeeeeaallly quick look at a couple of the changes to 4thWay’s complete list of all P2P lending and other online direct lending providers. Because a few of the changes leaped out at me over the past few weeks: LandlordInvest is “out” This…
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…
Proplend’s Tranche A, 5-50% LTV Lending Against Property Mostly Receiving Rent has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying interest after lending fees bad debts. Proplend’s other loans (called tranche B and C) are also 3/3 rated and paying 9%-12%….
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…
On second-charge loans approved on or after 1st November 2025, Somo* is providing 10% first-loss protection on the money you lend. The total Somo will ever pay out for the guarantee is capped at £1.2 million. Somo’s guarantee cuts in when all reasonable attempts to…
Unbolted’s IFISA And Classic Account are Unrated, because we don’t receive sufficient data to conduct our full assessments. Unbolted has only sporadically provided information and sparse data to 4thWay. Lenders seem to be offered around after bad debts, if you re-lend your loans and interest….
Can you believe the world’s banking regulators actually let this happen? Risky lending triggered the 2008 financial crisis, so regulators banned the big banks from doing it. But then those same regulators allowed the banks to lend money to non-bank lenders—who could still make the…
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
Crowd2Fund’s Business & Property Lending is unrated, due to lack of data. There’s not enough information to estimate lending rates after losses from bad debts. Visit Crowd2Fund or keep reading the Crowd2Fund Review.
We’ve had a loooot of emails from lenders about recent changes at Kuflink*, as well as one or two about bad debts. I’ve finished my investigations into the changes and re-interviewed key people at Kuflink. I’ve also done some preliminary research on bad debts in…
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest with zero losses. Visit Loanpad* or keep reading the Loanpad Review.
Annualised returns after costs and losses have averaged 7.49%, with no losing months. The graph above is not smoothed but actual results over time. I note that, if all write-offs from bad debts were squashed into the same period of time, it would have meant…
P2P lending costs money for both borrowers and lenders. Because there’s no such thing as a free lunch! Firstly, I’ll explain how “free” lending actually costs you money, starting with an example from another finance-related industry that all of you should be familiar with, namely…
CapitalStackers’ Property Lending Account/IFISA has earned an “Exceptional” 3/3 4thWay PLUS Rating. We forecast that lenders who start lending today will earn an average interest after bad debts, most of the time, although this will vary depending on your specific loans. Visit CapitalStackers* or keep…
Downing Crowd’s Property Development Lending & Wholesale Lending is unrated, due to lack of information. These loans have been paying lenders around interest before bad debts. Visit Downing Crowd or keep reading the Downing Crowd Review.
If you invest by buying shares through the stock market, you can be confident that most of your money is working for you most of the time. And you can reinvest with ease in seconds. It’s extremely rare when this becomes difficult. Not so with…
This is a brief look at all your quality investment options. I also make the case that there’s one form of investment that trumps the rest. And – to be candid – it’s not P2P lending. Four of the five quality investments that everyone should…
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.
