An online direct lending platform called Shojin has gone bust, as it could no longer pay all its bills. Its directors chose to place its business in administration. That means that specialists (called “administrators”) have been appointed to wind it down. The administrators have stated…
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.
The most powerful thing you can do when lending is spread across a lot and lots of loans. If you’re looking to swiftly deploy your money into hundreds – or even thousands – of individual loans, I’ve made a shortlist based on what I understand…
Last week, CrowdProperty published its annual accounts for the 12 months up to March 2025. Losses potentially up five-fold to £1.5 million It seems very likely that CrowdProperty made another loss in its corporate year ending in early spring 2025. My best estimate is the…
I have a lot of professional and some personal experience with the Financial Ombudsman Service (FOS), all of it good. This powerful and excellent service has helped millions of people to win compensation. The FOS handles complaints about financial businesses that are regulated by the…
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…
CrowdProperty has just made a lot of changes to its terms and conditions. Apart from simplifying them a lot – they really are an awful lot easier to read, which is great – there are substantive points that I want to bring to your attention….
4thWay® has a Panel of Peers to govern our website on your behalf. These are individuals like you who lend their money through P2P. They are one of many safeguards we have in place ensuring that 4thWay® keeps your interests at the heart of what…
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 and bad debts. Proplend’s other loans (called tranche B and C) are also 3/3 rated and paying…
When it comes to the risks of losing money, the main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money…
When loans fall into arrears or even turn bad – i.e, they “default” – you continue to earn interest. Most of the time, even if the borrower’s property ultimately needs to be repossessed and sold, lenders get all their money back as well as all…
Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you…
In China, the number of websites offering lending platforms once reached more than 2,000. For a long time after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways…
You have dozens of choices when it comes to peer-to-peer property lending. As far as we know, we’re listing every single one of your choices on this page that we at 4thWay consider to be P2P lending. The majority of P2P property lending websites offer…
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…
I realised recently that 4thWay focuses so much on getting enough information, data and access to key people for ourselves that we don’t always remember to provide you with enough information about what you are told directly by the online lending platforms. I’m looking to…
In 2025, while P2P and online lending made “just” 6.77% after costs and write-offs, the stock market returned a huge 24.5%(1) for investors, after estimated investing costs. Plus, the 4thWay P2P And Direct Lending Index (PADL) now has two new constituents – Somo and CapitalStackers….
You’d think that learning from mistakes and improving would be a given for those who are finding and offering investments to you, but it really isn’t. But I have here an example of a provider called AxiaFunder that is well and truly learning from the…
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…
We have nagged the taxman’s notoriously tight-lipped officials, talked the financial regulator, 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. This guide is…
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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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.
*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 CapitalRise, CapitalStackers, Housemartin, Loanpad and Proplend, 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.
**We put any and all P2P lending sites in our comparison table as soon as they provide us with over 100 data points and discuss their processes and key people with us.
