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…
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…
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…
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…
LandlordInvest’s Bridging & Development Loans are currently unrated. LandlordInvest’s own data shows it hasn’t approved a new loan for two years, but in June 2026 it announced new ownership and lending to restart. Visit LandlordInvest or keep reading the LandlordInvest Review. But note that, as…
Blend’s Development And Property-Secured Business Loans are unrated, due to lack of information. These loans have been paying lenders around . Visit Blend or keep reading the Blend Review.
What are the best Innovative Finance ISAs? The best innovative finance ISAs are these, which offer a market-leading risk-reward balance: CapitalRise IFISA. (Minimum £1,000 per loan.) CapitalStackers IFISA. (Minimum £2,500 per loan.) Housemartin IFISA. (Minimum £1 per loan.) Loanpad IFISA. (Minimum £0.01, spread across 100s…
Crowd2Fund’s Business 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.
My team and I have been assessing P2P lending accounts since 2014 and we continue to have an outstanding 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 & 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.
We’ll show you: Why buying and selling loans won’t always be speedy, and can sometimes be nigh-on impossible. What the delays cost you and how long they might last. The silver lining: that your risks actually come down due to slow lending and good investing…
CrowdProperty’s Bridging & Development loans are unrated. This account has recently been paying lenders interest before bad debts. Visit CrowdProperty or keep reading the CrowdProperty Review.
I was hoping to do an update on Kuflink in November after getting sufficient answers to a number of outstanding queries, as well as corrected data. Unfortunately, those answers are not all in yet, but there’s more immediate news for me to update you on….
For those of you have just read Can A P2P Lending Provider Be Too Profitable? by Neil Faulkner, I have compiled a list of some of the pages we follow when online lending and investment providers file their company accounts at Companies House: AxiaFunder (Champerty…
The last time we updated our piece on profitability (Which P2P Lending Sites Are Profitable?) I received the comment: “There is a flipside, the more the platform is making, the more they are taking from the lenders who actually fund the loans. And once Lendy was…
In 4thWay’s main update published this week, I wrote about how the financial regulator has put restrictions on Kuflink, due to failings in governance. “Governance” basically means managing the business in a proper way, with sufficient safeguards for lenders and others. One of the issues…
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…
