The 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years since start of the index, annualised returns after costs have been…
As of 30th June, 2024 The new 4thWay Peer-to-Peer And Direct Lending Index (PADL Index) was launched in August 2024. It enables investors to compare long-run returns to shares and other asset classes. Constituents’ returns have massively outpaced the stock market. In the ten years…
Invest & Fund lending slowed, but should pick up again 4thWay’s specialists conducted a full reassessment on Invest & Fund this month. There’s nothing at all to report on the risk-reward balance, which remains solid. This update is more about a slow down in lending…
There are some items that we pay close attention to at 4thWay. For example, we have often described some of the signs we look for that a P2P lending provider is kicking the can of bad debt down the road to hide its actual performance….
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these nine, which offer a market-leading risk-reward balance: Assetz Exchange IFISA. (Minimum £1 per loan.) CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) CrowdProperty IFISA. (Minimum £500 that…
My team and I have been assessing P2P lending accounts since 2014 and we continue to have a 100% record. (We won’t always get all the most important calls right – that’s impossible in investing – but we expect that we almost always will.) My…
Invest & Fund Lending Account received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying in the regular P2P lending account after fees. It pays in the IFISA, due to slightly higher fees. Visit Invest & Fund* or keep reading the Invest &…
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…
Kuflink’s Auto-Invest 2 Year Account received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest. Visit Kuflink* or keep reading the Kuflink Review.
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest after zero bad debts. Visit Loanpad* or keep reading the Loanpad Review.
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.
4thWay has long collated more data on peer-to-peer lending than probably anyone else, stretching back to the very first P2P loan ever made. And now, we have sufficient data from a large enough number of important P2P lending providers to start accurately tracking performance. So…
Somo’s Bridging Lending Account received an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders . That’s before bad debts, although historically losses have been virtually zero. Visit Somo* or keep reading the Somo Review.
With realised gains , 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 in the past 12 months and invested…
Recently, for a friend, I returned to my old stomping grounds of share investing to look at the best options for her. I was interested to know how these had changed since I last assessed them in great detail, which would have been early in…
I’m back! It’s been ages since I told you about anything through 4thWay, so I’m pleased to take you through the latest on cashback. Whatever happened to P2P lending cashback? A few years ago, the regulator banned cashback, which had been used to lure people…
Borrowers were hit hard over 2022 and 2023. Property prices were unclear and somewhat rocky. And those who were borrowing to complete property developments have been suffering a shortage of workers. The worst for borrowers though was rocketing inflation. That didn’t just push up interest…
Sourced Capital’s Bridging & Development loans are currently unrated, due to not enough information being provided. This account has been paying lenders in the region of interest after bad debts. Visit Sourced Capital or keep reading the Sourced Capital Review.
People who invest through AxiaFunder’s online platform are funding claimants’ legal cases. Investors typically take huge profits when these claims are won – sometimes even projected to earn 2-3 times the amount invested – albeit with substantial downside risk when cases are lost. Most cases…
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…
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.
The 4thWay® PLUS Ratings are calculations developed by professional risk modellers (someone who models risks for the banks), experienced investors and a debt specialist from one of the major consultancy firms. They measure the interest you earn against the risk of suffering losses from borrowers being unable to repay their loans in scenarios up to a serious recession and a major property crash. The ratings assume you spread your money across hundreds or thousands of loans, and continue lending until all your loans are repaid. They assume you lend across 6-12 rated P2P lending accounts or IFISAs, and measure your overall performance across all of them, not against individual performances.
The 4thWay PLUS Ratings are calculated using objective criteria that can be measured and improved on over time, although no rating system is perfect. Read more about the 4thWay® PLUS Ratings.
*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 Assetz Exchange, CapitalRise, CapitalStackers, Invest & Fund, Kuflink, 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 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.
