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.
Is P2P Lending Going To Be Rocked Like Private Credit?
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…
UK Peer-to-Peer Lending For Overseas Residents
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…
Lendwise Review
Lendwise’s lending accounts are unrated. These loans are currently expected to pay lenders around after bad debts. Visit Lendwise or keep reading the Lendwise Review.
4thWay P2P And Direct Lending Index: Q1 2026
Online direct lending, including P2P lending, had its worst month in its history in January 2026, with investors losing money overall for the first time For the first time since the 4thWay PADL Index started in July 2014, lenders lost money overall over the course…
CapitalRise 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.
Testing Housemartin’s Sector Resilience
Edits on 15th May 2026: since publishing this on 30th April, several important additions and corrections have been added below. Until the end of May, those changes will all show in bold. Do you want the good news or the bad news first? Right, the…
Housemartin Review
Housemartin’s P2P Lending Account And IFISA And Classic Account has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around of the loan amount in interest, after bad debts. Visit Housemartin* or keep reading the Housemartin Review.
How P2P Lending Providers Stack Up On Ombudsman Complaints
How do P2P lending providers and similar companies offering online direct lending-type opportunities perform in terms of complaints their customers make to the powerful, consumer-friendly Financial Ombudsman Service? There are no P2P lending companies making it into the Big Lists The Financial Ombudsman Service publishes…
How Does Peer-to-Peer Lending Tax Work?
When you earn money through peer-to-peer lending there are huge tax breaks available to you. For most people there’s an automatic tax break on all P2P lending accounts. You can also open specific peer-to-peer lending accounts, called IFISAs, which are always free of income tax…
Why Aren’t LTVs “Guarantees”?
4thWay received an email from a user asking about a property loan that is on the verge of suffering confirmed losses for lenders. He said: “What happened with their LTV guarantee on that one?” LTV is short for “loan to value”. It means how large…
Brief Kuflink Update
Just a brief update since I wrote Kuflink In Trouble With The Financial Conduct Authority in December. Seemingly no new loans for months We receive emails to a 4thWay email address when Kuflink loans are available for you to lend in. Over the past four…
How To Check The Financial Services Register For Monsters
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…
First Thoughts On Shojin Going Bust
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 Review
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.
Which Platforms Currently Have Lots Of Loans Available?
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…
Update On CrowdProperty Profitability & Cash Set Aside To Fund A Wind-Down
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…
How The Financial Ombudsman Protects Your P2P Lending
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…
CrowdProperty Can Now Buy Lenders Out At Any Time
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….
Please Nominate Your Fellow 4thWay User To Support Your Interests!
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…
