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Showing ? of 37 products from 32 platforms
  • Research & Development Advance

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    From 9.5 p.a.%

    Est. total return

    • Unsecured short-term lending against either an R&D tax claim or qualifying grant
    • For companies with history of successful R&D claims/Grant claims
    • R&D funds paid direct to ArchOver controlled bank account
    • R&D claim prepared by third party professionals
    • Successful Grant history or awarded Grant has achieved first payment/milestone deadlines

    R&D Tax Claim

    The Research & Development Advance is short-term lending against an identified Research & Development (R&D) claim payable to a company by HM Revenue and Customs (HMRC) or against an Innovative Grant Advance (IGA).

    HMRC has made allowance for companies they deem to be undertaking qualifying Research & Development activities. Companies can claim cash repayments of up to 33% of the qualifying R&D expenditure. The claims are made with a company’s tax return (CT600) each year, with claims up to two years in arrears also allowed.

    It can take up to three months between a company making a claim and receiving payment from HMRC. ArchOver helps companies ‘bridge this gap’ by facilitating a loan under this RDA lending service. Importantly, the loan can be drawn down up to 12 months before the claim is expected to be received, allowing companies to receive advance funding for their ongoing R&D.

    The RDA is available only to companies that can demonstrate a history of successfully claiming R&D tax credits from HMRC with at least two years of successful claims having been made. Additionally, the company must have retained professional advisers to help in the preparation of the R&D tax credit claim. When making the claim, the company seeking the advance must advise HMRC to pay all the funds claimed to an ArchOver controlled bank account. The directors of the company seeking the advance must warrant that the PAYE, CIS, VAT and CT payments are up to date (i.e. that the company has no overdue debts to HMRC) and will be maintained up-to-date throughout the period of the loan.

    Qualifying Grant

    For an IGA (Innovative Grant Advance) we review previous successful applications for grants and delivery of projects in accordance with the application and receipt of payments substantially as scheduled. However, if no previous IGAs have been delivered on by the Borrower, we need to see the Grant being advanced against has been signed and agreed, they have received the first payment (normally this is on signing) and they have submitted and received at least one payment request for the first period (the length of periods will vary) of the grant.

    Furthermore, the directors confirm that, in their reasonable opinion and having made reasonable enquiries, the borrowing business has sufficient funds to trade through the period of the loan and beyond.

    All details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    • Unsecured short-term lending against either an R&D tax claim or qualifying grant
    • For companies with history of successful R&D claims/Grant claims
    • R&D funds paid direct to ArchOver controlled bank account
    • R&D claim prepared by third party professionals
    • Successful Grant history or awarded Grant has achieved first payment/milestone deadlines

    R&D Tax Claim

    The Research & Development Advance is short-term lending against an identified Research & Development (R&D) claim payable to a company by HM Revenue and Customs (HMRC) or against an Innovative Grant Advance (IGA).

    HMRC has made allowance for companies they deem to be undertaking qualifying Research & Development activities. Companies can claim cash repayments of up to 33% of the qualifying R&D expenditure. The claims are made with a company’s tax return (CT600) each year, with claims up to two years in arrears also allowed.

    It can take up to three months between a company making a claim and receiving payment from HMRC. ArchOver helps companies ‘bridge this gap’ by facilitating a loan under this RDA lending service. Importantly, the loan can be drawn down up to 12 months before the claim is expected to be received, allowing companies to receive advance funding for their ongoing R&D.

    The RDA is available only to companies that can demonstrate a history of successfully claiming R&D tax credits from HMRC with at least two years of successful claims having been made. Additionally, the company must have retained professional advisers to help in the preparation of the R&D tax credit claim. When making the claim, the company seeking the advance must advise HMRC to pay all the funds claimed to an ArchOver controlled bank account. The directors of the company seeking the advance must warrant that the PAYE, CIS, VAT and CT payments are up to date (i.e. that the company has no overdue debts to HMRC) and will be maintained up-to-date throughout the period of the loan.

    Qualifying Grant

    For an IGA (Innovative Grant Advance) we review previous successful applications for grants and delivery of projects in accordance with the application and receipt of payments substantially as scheduled. However, if no previous IGAs have been delivered on by the Borrower, we need to see the Grant being advanced against has been signed and agreed, they have received the first payment (normally this is on signing) and they have submitted and received at least one payment request for the first period (the length of periods will vary) of the grant.

    Furthermore, the directors confirm that, in their reasonable opinion and having made reasonable enquiries, the borrowing business has sufficient funds to trade through the period of the loan and beyond.

    All details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

  • Secured & Insured

    IFISA

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    From 7.75 p.a.%

    Est. total return

    • All-assets charge against business
    • Secured finance against Accounts Receivable
    • Accounts Receivable (ARs) insured against late or non-payment
    • Credit analysis, monthly monitoring, controlled bank accounts

    Our original and core service.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    For Secured & Insured loans, the assets that we are primarily interested in are the Accounts Receivable (ARs). The ARs of a business comprise the total owed to the borrowing business by its customers (trade debtors) plus contracted work-in-progress (WIP) (valued at cost). The security provided by these assets is further enhanced by a credit insurance policy, usually provided by Coface, which we insist the Borrower takes out with ArchOver as the joint-insured and loss payee. Usually, the credit insurance cover provided is 90% of the value of the ARs and pays out in the case of protracted default or where the Borrower’s customer’s business fails.

    When determining the maximum value of the loan, ArchOver considers the value of the ARs, deducting trade debtors out of term and for amounts uninsured. The maximum loan-to-value of security provided is 90% against the trade debtors plus 50% against the WIP. Accordingly, the discounted security must always be equal to or greater than the loan value.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    Please note: Credit insurance (the ‘I’ of ‘S&I’) does not insure the loan or interest payments and does not guarantee the repayment of Lenders' capital in the case of Borrower default.

    • All-assets charge against business
    • Secured finance against Accounts Receivable
    • Accounts Receivable (ARs) insured against late or non-payment
    • Credit analysis, monthly monitoring, controlled bank accounts

    Our original and core service.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    For Secured & Insured loans, the assets that we are primarily interested in are the Accounts Receivable (ARs). The ARs of a business comprise the total owed to the borrowing business by its customers (trade debtors) plus contracted work-in-progress (WIP) (valued at cost). The security provided by these assets is further enhanced by a credit insurance policy, usually provided by Coface, which we insist the Borrower takes out with ArchOver as the joint-insured and loss payee. Usually, the credit insurance cover provided is 90% of the value of the ARs and pays out in the case of protracted default or where the Borrower’s customer’s business fails.

    When determining the maximum value of the loan, ArchOver considers the value of the ARs, deducting trade debtors out of term and for amounts uninsured. The maximum loan-to-value of security provided is 90% against the trade debtors plus 50% against the WIP. Accordingly, the discounted security must always be equal to or greater than the loan value.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    Please note: Credit insurance (the ‘I’ of ‘S&I’) does not insure the loan or interest payments and does not guarantee the repayment of Lenders' capital in the case of Borrower default.

  • Secured & Assigned

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    from 7.75 p.a.%

    Est. total return

    • All-assets charge against business
    • Secured finance against contracted recurring revenues
    • Guaranteed revenue contracts assigned to ArchOver
    • Credit analysis, monthly monitoring, controlled bank accounts

    An increasing number of companies provide the use of their assets, be they physical or intangible assets, under rental or licencing agreements. These agreements provide the supplying company with long-term contracted revenue streams, making the businesses stable, predictable and potentially ideal Borrowers.

    This was the second service we introduced.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    When determining the maximum value of the loan, we consider the revenue generated in a year from contracted recurring sources, such as a rental income. When calculating this, we make an allowance for the customers who will be lost. This loss of customer base is known as 'churn' and must be in single digit percentages each year. The loan is usually no more than a 3-month advance against the annual contracted recurring revenue.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    • All-assets charge against business
    • Secured finance against contracted recurring revenues
    • Guaranteed revenue contracts assigned to ArchOver
    • Credit analysis, monthly monitoring, controlled bank accounts

    An increasing number of companies provide the use of their assets, be they physical or intangible assets, under rental or licencing agreements. These agreements provide the supplying company with long-term contracted revenue streams, making the businesses stable, predictable and potentially ideal Borrowers.

    This was the second service we introduced.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    When determining the maximum value of the loan, we consider the revenue generated in a year from contracted recurring sources, such as a rental income. When calculating this, we make an allowance for the customers who will be lost. This loss of customer base is known as 'churn' and must be in single digit percentages each year. The loan is usually no more than a 3-month advance against the annual contracted recurring revenue.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

  • Secured

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    From 8 p.a.%

    Est. total return

    • All-asset charge against business
    • Secured against Accounts Receivable (ARs) or contracted recurring revenue
    • ARs uninsured/recurring revenue unassignable
    • Credit analysis, monthly monitoring, controlled bank accounts

    This type of borrowing is similar to our S&I or S&A services except that, for good reason, the borrowing company cannot get credit insurance (eg, providing services to HM Government) or we cannot obtain an assignment of contracts.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    Should the Borrower be a firm of solicitors, we cannot operate a controlled bank account. Firms of solicitors operate with authorisation from, and are subject to, the rules of the Solicitors Regulatory Authority (SRA). The SRA does not allow lenders to operate a controlled bank account for client revenue. In this scenario, ArchOver’s charge could be open to challenge and reduces security on the loan.

    When assessing the maximum loan advance, ArchOver will consider the value of the Accounts Receivable (ARs), deducting trade debtors out of term. The maximum loan-to-value of security provided is 90% against the trade debtors plus 50% against the work-in-progress. Accordingly, the discounted security must always be equal to or greater than the loan value. Alternatively, we look at the revenue generated in a year from contracted recurring sources. When calculating this, we make an allowance for the customers who will be lost. This loss of customer base is known as 'churn' and must be in single digit percentages each year. The loan is usually no more than a 3-month advance against the annual contracted recurring revenue.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    • All-asset charge against business
    • Secured against Accounts Receivable (ARs) or contracted recurring revenue
    • ARs uninsured/recurring revenue unassignable
    • Credit analysis, monthly monitoring, controlled bank accounts

    This type of borrowing is similar to our S&I or S&A services except that, for good reason, the borrowing company cannot get credit insurance (eg, providing services to HM Government) or we cannot obtain an assignment of contracts.

    We register a first all-assets charge at Companies House over the borrowing company. This means that, if the borrowing company defaults and we appoint an administrator, we have the first call on the company’s assets. We perfect this with an ArchOver controlled bank account into which payments from Borrower customers flow. Except in the event of insolvency proceedings, the controlled account is cleared each day to the Borrower.

    Should the Borrower be a firm of solicitors, we cannot operate a controlled bank account. Firms of solicitors operate with authorisation from, and are subject to, the rules of the Solicitors Regulatory Authority (SRA). The SRA does not allow lenders to operate a controlled bank account for client revenue. In this scenario, ArchOver’s charge could be open to challenge and reduces security on the loan.

    When assessing the maximum loan advance, ArchOver will consider the value of the Accounts Receivable (ARs), deducting trade debtors out of term. The maximum loan-to-value of security provided is 90% against the trade debtors plus 50% against the work-in-progress. Accordingly, the discounted security must always be equal to or greater than the loan value. Alternatively, we look at the revenue generated in a year from contracted recurring sources. When calculating this, we make an allowance for the customers who will be lost. This loss of customer base is known as 'churn' and must be in single digit percentages each year. The loan is usually no more than a 3-month advance against the annual contracted recurring revenue.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

  • Bespoke

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    From 9 p.a.%

    Est. total return

    • Initial lending with a view to becoming S&I- or S&A-based
    • Bespoke security, usually second Charge against business
    • Some features of Secured & Insured or Secured & Assigned
    • Credit analysis, monthly monitoring

    Bespoke loans are made on the same basis as S&I or S&A loans, with the sole exception being the rank of the all-assets charge. Bespoke loans are usually initially secured with a second charge which will transition to a first charge within a short period, usually less than three months. This flexibility allows us to raise larger amounts of money for Borrowers, without initially disturbing existing facilities.

    Interest is set to reflect the initial period, during which the security is weaker. The rate remains unchanged throughout the loan term, giving Lenders the opportunity to enjoy a higher rate of interest than is usual for an S&I or S&A or S loan.

    All other features of S&I or S&A or S apply, as appropriate.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

    • Initial lending with a view to becoming S&I- or S&A-based
    • Bespoke security, usually second Charge against business
    • Some features of Secured & Insured or Secured & Assigned
    • Credit analysis, monthly monitoring

    Bespoke loans are made on the same basis as S&I or S&A loans, with the sole exception being the rank of the all-assets charge. Bespoke loans are usually initially secured with a second charge which will transition to a first charge within a short period, usually less than three months. This flexibility allows us to raise larger amounts of money for Borrowers, without initially disturbing existing facilities.

    Interest is set to reflect the initial period, during which the security is weaker. The rate remains unchanged throughout the loan term, giving Lenders the opportunity to enjoy a higher rate of interest than is usual for an S&I or S&A or S loan.

    All other features of S&I or S&A or S apply, as appropriate.

    All security details are listed alongside each loan on the platform. It is recommended that Lenders read and understand the information within the Project Description before investing.

  • Quick Access

    IFISA
    No

    Term (months)
    1 - 60

    Minimum investment
    £1

    Default rate
    N/A

    Estimated interest
    4.1%

    Est. total return

    This product gives a fair return of 4.1% on investments whilst allowing the shortest time possible to access deposited funds under normal market conditions without incurring a charge. Only secured business loans with terms ranging from 1-month to 5-years are automatically invested into when using this product.

    Minimum investment starts at £1 with a maximum amount of £200,000. Interest is paid on the first day of each month.

    This product gives a fair return of 4.1% on investments whilst allowing the shortest time possible to access deposited funds under normal market conditions without incurring a charge. Only secured business loans with terms ranging from 1-month to 5-years are automatically invested into when using this product.

    Minimum investment starts at £1 with a maximum amount of £200,000. Interest is paid on the first day of each month.

  • 30-Day Access

    IFISA
    No

    Term (months)
    - 60

    Minimum investment
    £1

    Default rate
    N/A

    Estimated interest
    5.1%

    Est. total return

    This product gives a return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given. The rate will not drop below 4%.

    Minimum investment starts at £1 with no maximum amount. Interest is paid on the first day of each month. Due to the nature of this account, there is no minimum term.

    This product gives a return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given. The rate will not drop below 4%.

    Minimum investment starts at £1 with no maximum amount. Interest is paid on the first day of each month. Due to the nature of this account, there is no minimum term.

  • Property Secured

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1

    Default rate
    N/A

    Estimated interest
    5.50%

    Est. total return

    This product focuses on only backing funds against secured property in the UK whilst aiming to give a gross return rate of 5.50% per annum. Investors’ monies are automatically invested in loans where property security is much greater than the loan value.

    Funds can be withdrawn at any time without incurring a fee, although withdrawals are dependent on other investors. Interest will be paid in regular intervals. The minimum deposit amount is £1, there is no maximum limit.

    This product focuses on only backing funds against secured property in the UK whilst aiming to give a gross return rate of 5.50% per annum. Investors’ monies are automatically invested in loans where property security is much greater than the loan value.

    Funds can be withdrawn at any time without incurring a fee, although withdrawals are dependent on other investors. Interest will be paid in regular intervals. The minimum deposit amount is £1, there is no maximum limit.

  • Great British Business

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1

    Default rate
    N/A

    Estimated interest
    6.25%

    Est. total return

    This account is aimed at supporting UK business whilst giving investors a gross modest return of 6.25% per annum. Funds are automatically invested into asset-secured business loans.

    Customers can withdraw at any time, subject to other investor demands. Interest will be paid in regular intervals. The minimum investment amount is £1, there is no upper limit.

    This account is aimed at supporting UK business whilst giving investors a gross modest return of 6.25% per annum. Funds are automatically invested into asset-secured business loans.

    Customers can withdraw at any time, subject to other investor demands. Interest will be paid in regular intervals. The minimum investment amount is £1, there is no upper limit.

  • Manual Lending

    IFISA
    No

    Term (months)
    1 - 60

    Minimum investment
    £1

    Default rate
    N/A

    Estimated interest
    4.50 - 12.50%

    Est. total return

    This product gives investors full control over their funds in exchange for the highest possible returns on the platform ranging from 4.5% to 12.5%. Investors can choose which businesses to invest in. All businesses offered have passed Assetz Capital's credit policy and are secured loans only. There is no provision fund available on this account. Any loan investors wishing to sell can only do so if there is a demand from other investors. The minimum investment amount is £1, there is no upper limit. Terms typically range from 1 month to 5 years.

    This product gives investors full control over their funds in exchange for the highest possible returns on the platform ranging from 4.5% to 12.5%. Investors can choose which businesses to invest in. All businesses offered have passed Assetz Capital's credit policy and are secured loans only. There is no provision fund available on this account. Any loan investors wishing to sell can only do so if there is a demand from other investors. The minimum investment amount is £1, there is no upper limit. Terms typically range from 1 month to 5 years.

  • Equity Shares

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £25

    Default rate
    N/A

    Estimated interest
    up to 33.76%

    Est. total return

    Multiple lenders who are seeking fixed returns can invest together in businesses raising funds to expand, grow and develop their offerings. Lenders have the opportunity to discuss with the management team any queries or concerns they have with a business before they decide to invest.

    Before contributing funds, investors can download and read any documentation provided by the business to fully understand what they are supporting. As the business grows, investors will have access to the company's details to monitor the progress of their investments.

    Investors will can also receive a tax relief up to 50% for businesses that are eligible for EIS and SEIS. Shares in the business are held by a nominee. Investment contributions start from as little as £25.

    Multiple lenders who are seeking fixed returns can invest together in businesses raising funds to expand, grow and develop their offerings. Lenders have the opportunity to discuss with the management team any queries or concerns they have with a business before they decide to invest.

    Before contributing funds, investors can download and read any documentation provided by the business to fully understand what they are supporting. As the business grows, investors will have access to the company's details to monitor the progress of their investments.

    Investors will can also receive a tax relief up to 50% for businesses that are eligible for EIS and SEIS. Shares in the business are held by a nominee. Investment contributions start from as little as £25.

  • Crowd Bonds

    IFISA

    Term (months)
    12 - 60

    Minimum investment
    £100

    Default rate
    N/A

    Estimated interest
    up to 8%

    Est. total return

    These are a type of secured loan for lenders to invest in and receive n return receive interest on their capital. Lenders can receive up to 8% interest. Terms typically range from 1 to 5 years. Minimum investment is £100 with no upper limit.

    There are no fees for investing in a Crowd Bond. There are no annual management fees. This product is also eligible as an ISA.

    These are a type of secured loan for lenders to invest in and receive n return receive interest on their capital. Lenders can receive up to 8% interest. Terms typically range from 1 to 5 years. Minimum investment is £100 with no upper limit.

    There are no fees for investing in a Crowd Bond. There are no annual management fees. This product is also eligible as an ISA.

  • Cryptocurrency Tokens

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    N/A

    Estimated interest
    N/A

    Est. total return

    This unique product involves digital currencies. Blockchain start-up companies can be funded via Token Sales. Token Sales involve generating and then selling crypto assets. Tokened business function similarly to equity-based crowdfunded businesses. The more the tokens are used, the greater their value. Tokens are a liquid asset, they gain value much quicker than traditional currencies and profits can be withdrawn sooner when listed on an exchange after the token sale has ended.

    Unlike traditional currencies, tokens can be used in international markets without the hassle of currency conversion. Currently, Crowd For Angels does not operate in the US or China.

    This unique product involves digital currencies. Blockchain start-up companies can be funded via Token Sales. Token Sales involve generating and then selling crypto assets. Tokened business function similarly to equity-based crowdfunded businesses. The more the tokens are used, the greater their value. Tokens are a liquid asset, they gain value much quicker than traditional currencies and profits can be withdrawn sooner when listed on an exchange after the token sale has ended.

    Unlike traditional currencies, tokens can be used in international markets without the hassle of currency conversion. Currently, Crowd For Angels does not operate in the US or China.

  • Pension Lending

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £500

    Default rate
    N/A

    Estimated interest
    8%

    Est. total return

    Customers with either SIPP or SSAS pensions can invest on CrowdProperty and receive 8% interest per annum.

    It is advised that pension holders contact their pension providers and ensure P2P lending is permissible on their specific product.

    Customers with either SIPP or SSAS pensions can invest on CrowdProperty and receive 8% interest per annum.

    It is advised that pension holders contact their pension providers and ensure P2P lending is permissible on their specific product.

  • IFISA

    Sponsored

    IFISA

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    N/A

    Estimated interest
    Up to 9 p.a.%

    Est. total return

    The Innovative Finance ISA (IFISA) enables you to use your annual Individual Savings Account (ISA) allowance to earn tax-free interest from peer to peer lending.

    • Receive monthly tax-free interest of up to 4.5%-9% p.a. (depending upon available loans)
    • Invest your full 2019/20 ISA allowance of £20,000
    • Transfer your existing ISAs
    • Secured against UK property
    • No IFSA fees (secondary market fees apply if you wish to exit your loan investment early)

    The Innovative Finance ISA (IFISA) enables you to use your annual Individual Savings Account (ISA) allowance to earn tax-free interest from peer to peer lending.

    • Receive monthly tax-free interest of up to 4.5%-9% p.a. (depending upon available loans)
    • Invest your full 2019/20 ISA allowance of £20,000
    • Transfer your existing ISAs
    • Secured against UK property
    • No IFSA fees (secondary market fees apply if you wish to exit your loan investment early)
  • Classic Account

    Sponsored

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    4.5 - 6.5%%

    Est. total return

    A Classic Account has an initial minimum investment amount of £1,000. Customers have a choice of investing Conservatively, or Balanced.

    With Classic accounts, tax is not deducted from your earnings, but they will provide you with a tax statement you can download if you need it for your tax return.

    Conservative has a projected return rate of 4.3 - 4.7%. This is due to funds being invested in low-risk creditworthy businesses with lower estimated bad debt rates.

    Balanced has a projected return rate of 4.5 - 6.5%. This is due to funds being invested in the full range of creditworthy businesses, but also carries a higher estimated bad debt rate.

    A Classic Account has an initial minimum investment amount of £1,000. Customers have a choice of investing Conservatively, or Balanced.

    With Classic accounts, tax is not deducted from your earnings, but they will provide you with a tax statement you can download if you need it for your tax return.

    Conservative has a projected return rate of 4.3 - 4.7%. This is due to funds being invested in low-risk creditworthy businesses with lower estimated bad debt rates.

    Balanced has a projected return rate of 4.5 - 6.5%. This is due to funds being invested in the full range of creditworthy businesses, but also carries a higher estimated bad debt rate.

  • Select-Invest

    Sponsored

    IFISA
    Yes

    Term (months)
    3 - 12

    Minimum investment
    £100

    Default rate
    N/A

    Estimated interest
    7.2%

    Est. total return

    - Choose individual projects to lend to.

    - We co-invest 5% alongside you in every deal.

    - Projects start from just 3 months.

    - Secondary market available.

    - Choose individual projects to lend to.

    - We co-invest 5% alongside you in every deal.

    - Projects start from just 3 months.

    - Secondary market available.

  • Auto-Invest

    Sponsored

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £100

    Default rate
    N/A

    Estimated interest
    up to 7.00%

    Est. total return

    Investors can choose their investment amount and Kuflink will automatically spread their contributions across a range of opportunities for a more diversified portfolio. Investors can choose a fixed term, which will be accompanied with a fixed term:

    • Invest for 1 year and receive 5.00% interest per annum.
    • Invest for 3 years and receive 6.10% interest per annum.
    • Invest for 5 years and receive 7.00% interest per annum.

    Investors can choose their investment amount and Kuflink will automatically spread their contributions across a range of opportunities for a more diversified portfolio. Investors can choose a fixed term, which will be accompanied with a fixed term:

    • Invest for 1 year and receive 5.00% interest per annum.
    • Invest for 3 years and receive 6.10% interest per annum.
    • Invest for 5 years and receive 7.00% interest per annum.
  • Classic Peer-to-Peer

    IFISA
    No

    Term (months)
    1 - 25

    Minimum investment
    £100

    Default rate
    0%

    Estimated interest
    3.18% - 3.54%

    Est. total return

    Diversify your investment across multiple buy-to-let mortgages for up to 25 years, including accessing your funds through the secondary market.

    Receive regular monthly returns and be assured your investments are secured with UK-only property.

    Choose from either a tracker or fixed rate with no set-up or monthly fees.

    Diversify your investment across multiple buy-to-let mortgages for up to 25 years, including accessing your funds through the secondary market.

    Receive regular monthly returns and be assured your investments are secured with UK-only property.

    Choose from either a tracker or fixed rate with no set-up or monthly fees.

  • Selective Invoice Discounting

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    N/A

    Estimated interest
    N/A

    Est. total return

    Acquire funding if you receive specific invoices from debtors. This product is ideal for those with irregular or one-off cash flow requirements and have a minimum turnover of £100,000. Choose from paying through a contract option, or pay-as-you-go.

    Acquire funding if you receive specific invoices from debtors. This product is ideal for those with irregular or one-off cash flow requirements and have a minimum turnover of £100,000. Choose from paying through a contract option, or pay-as-you-go.

  • Confidential Invoice Discounting

    IFISA

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    N/A

    Estimated interest
    N/A

    Est. total return

    Gain funding for multiple invoices that are outstanding, this product is aimed at firms with regular cash flow requirements for a 12-month term and minimum annual turnover of £500,000.

    Gain funding for multiple invoices that are outstanding, this product is aimed at firms with regular cash flow requirements for a 12-month term and minimum annual turnover of £500,000.

  • Contract Finance

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    N/A

    Default rate
    N/A

    Estimated interest
    N/A

    Est. total return

    For businesses who are seeking a regular stream of revenue upfront and with no minimum term. Get access to funds against not only contracts, but also licenses and retainers.

    For businesses who are seeking a regular stream of revenue upfront and with no minimum term. Get access to funds against not only contracts, but also licenses and retainers.

  • General Account

    IFISA

    Term (months)
    N/A

    Minimum investment
    £10

    Default rate
    N/A

    Estimated interest
    4%

    Est. total return

    Invest from £10, with no maximum amount and receive target interest rate of 4% per annum. There are no fixed terms so funds can be withdrawn at any time.

    Customers can use their debit cards to set-up monthly investments to their Octopus Choice account.

    Any interest earned can be transferred to a bank account, or re-invested into the General account.

    Invest from £10, with no maximum amount and receive target interest rate of 4% per annum. There are no fixed terms so funds can be withdrawn at any time.

    Customers can use their debit cards to set-up monthly investments to their Octopus Choice account.

    Any interest earned can be transferred to a bank account, or re-invested into the General account.

  • Classic Invest

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    5 - 12%

    Est. total return

    Earn interest from 5% to 12% per annum after fees and before bad debts and taxes. Invest from £1,000 with no maximum limit. Customers can choose which loans they want to invest in, or let Proplend automatically invest their funds in the various tranches available.

    Lenders will receive monthly interest payments from the borrower before Proplend deduct their 10% fee. There is also a 0.5% fee when selling a loan on the secondary market. This product can be upgraded to an IFISA account.

    There have been no investor losses or loan defaults since this product launched.

    Earn interest from 5% to 12% per annum after fees and before bad debts and taxes. Invest from £1,000 with no maximum limit. Customers can choose which loans they want to invest in, or let Proplend automatically invest their funds in the various tranches available.

    Lenders will receive monthly interest payments from the borrower before Proplend deduct their 10% fee. There is also a 0.5% fee when selling a loan on the secondary market. This product can be upgraded to an IFISA account.

    There have been no investor losses or loan defaults since this product launched.

  • SSAS and SIPP Pension Investments

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    5 - 12%

    Est. total return

    By using SSAS or SIPP pension savings, lenders can earn 5 -12% tax-free interest per annum on their investments. Accounts are set-up by the customer's pension provider to be used on Propend and they are responsible for the administration of the account.

    SIPP holders are able to choose which investments they would like to partake in based on the offers from their SIPP provider. SSAS holders have a much wider range of approved investments.

    Participating pension providers include Westerby Trustee Services Limited, Morgan Lloyd and Whitehall Group.

    Pension investment restriction apply. Pensions cannot be associated with connected parties to make a loan, or associated with residential properties.

    By using SSAS or SIPP pension savings, lenders can earn 5 -12% tax-free interest per annum on their investments. Accounts are set-up by the customer's pension provider to be used on Propend and they are responsible for the administration of the account.

    SIPP holders are able to choose which investments they would like to partake in based on the offers from their SIPP provider. SSAS holders have a much wider range of approved investments.

    Participating pension providers include Westerby Trustee Services Limited, Morgan Lloyd and Whitehall Group.

    Pension investment restriction apply. Pensions cannot be associated with connected parties to make a loan, or associated with residential properties.

  • Lump Sum Investment

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £500

    Default rate
    N/A

    Estimated interest
    up to 6.1%

    Est. total return

    Invest from £500 to £30,000.

    Choose from 1-year, 3-year or 5-year terms.

    Returns from 3.9% up to 6.1%.

    Invest from £500 to £30,000.

    Choose from 1-year, 3-year or 5-year terms.

    Returns from 3.9% up to 6.1%.

  • Rolling

    IFISA
    Yes

    Term (months)
    N/A

    Minimum investment
    £10

    Default rate
    N/A

    Estimated interest
    3.5%

    Est. total return

    Funds will be invested for a maximum of 5 years. Any interest, including initial capital, is repaid by borrowers each month. Customers will receive compound interest as these repayments are automatically reinvested at the Market Rate. With this product, customers can withdraw their funds without incurring a charge.

    Funds will be invested for a maximum of 5 years. Any interest, including initial capital, is repaid by borrowers each month. Customers will receive compound interest as these repayments are automatically reinvested at the Market Rate. With this product, customers can withdraw their funds without incurring a charge.

  • 1 Year

    IFISA
    No

    Term (months)
    12

    Minimum investment
    £10

    Default rate
    N/A

    Estimated interest
    4.6%

    Est. total return

    Funds will be invested for the duration of a 1-year term. Capital and interest will be paid at the end of the term, customers can request an early withdrawal that will result in a 0.3% fee.

    Funds will be invested for the duration of a 1-year term. Capital and interest will be paid at the end of the term, customers can request an early withdrawal that will result in a 0.3% fee.

  • 5 Year

    IFISA
    No

    Term (months)
    60

    Minimum investment
    £10

    Default rate
    N/A

    Estimated interest
    6.3%

    Est. total return

    Funds will be invested for the duration of a 5-year term. Capital and interest will be paid at the end of the term, customers can request an early withdrawal that will result in a 1.5% fee.

    Funds will be invested for the duration of a 5-year term. Capital and interest will be paid at the end of the term, customers can request an early withdrawal that will result in a 1.5% fee.

  • Auto-Invest

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    7%

    Est. total return

    Earn 7% interest, hassle free as The Housecrowd will automatically diversify funds across a portfolio of P2P loans. Interest is accrued 365 days a year with a minimum term of 12 months. Interest is paid twice a year, in October and April.

    Earn 7% interest, hassle free as The Housecrowd will automatically diversify funds across a portfolio of P2P loans. Interest is accrued 365 days a year with a minimum term of 12 months. Interest is paid twice a year, in October and April.

  • P2P Secured Bridging Loans

    IFISA
    No

    Term (months)
    3 - 12

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    9%

    Est. total return

    Invest in bridging loans from as little as £1000 and average interest rate of 9% per annum. Typical terms range from 3 to 12 months.

    Over £48m has already been invested into this product and zero capital has been lost to date.

    Invest in bridging loans from as little as £1000 and average interest rate of 9% per annum. Typical terms range from 3 to 12 months.

    Over £48m has already been invested into this product and zero capital has been lost to date.

  • Development Finance Loans

    IFISA

    Term (months)
    12

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    10%

    Est. total return

    There are more than 200 properties built, or currently in development with a Gross Development Value of over £52m.

    Invest in property developments from as little as £1,000. A typical term lasts for 12 months. The typical return rate is 10% per annum.

    There are more than 200 properties built, or currently in development with a Gross Development Value of over £52m.

    Invest in property developments from as little as £1,000. A typical term lasts for 12 months. The typical return rate is 10% per annum.

  • Equity investments

    IFISA

    Term (months)
    N/A

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    Average 9.4%

    Est. total return

    Invest in property crowdfunding opportunities to receive a share of any rental income and any profits from capital growth.

    Average gross yields are 9.4% per annum, with net dividends average 5.6% per annum.

    Tenants pay maintence cost of up to £5000 per annum. 

    The minimum investment amount is £1,000.

    Rental income generated is typically 5 years.

    Invest in property crowdfunding opportunities to receive a share of any rental income and any profits from capital growth.

    Average gross yields are 9.4% per annum, with net dividends average 5.6% per annum.

    Tenants pay maintence cost of up to £5000 per annum. 

    The minimum investment amount is £1,000.

    Rental income generated is typically 5 years.

  • The Wellesley Property Mini-Bond

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £100

    Default rate
    N/A

    Estimated interest
    up to 6.00%

    Est. total return

    Customers can earn up to 6.00% per annum and can invest from as little as £100. The bond can be funded in multiples of £10. Terms range from 1 to 5 years.

    Investments are diversified across numerous loans and interest can be received in monthly payments, or re-invested into new loans. Capital and interest can be withdrawn at loan maturity. There is no early withdrawal option. This product is not ISA eligible and therefore is subject to tax.

    Customers can earn up to 6.00% per annum and can invest from as little as £100. The bond can be funded in multiples of £10. Terms range from 1 to 5 years.

    Investments are diversified across numerous loans and interest can be received in monthly payments, or re-invested into new loans. Capital and interest can be withdrawn at loan maturity. There is no early withdrawal option. This product is not ISA eligible and therefore is subject to tax.

  • The Wellesley Property Bond

    IFISA
    No

    Term (months)
    36

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    4.65%

    Est. total return

    Customers can earn a fixed rate of 4.65% per annum and can invest from £1,000. The bond can be funded in multiples of £1,000 thereafter. There is no maximum investment amount. This product has a 3-year fixed term.

    Investments are automatically diversified across numerous loans and interest is received in monthly payments. There is no early withdrawal option. This product is ISA eligible and therefore is not subject to tax.

    Customers can earn a fixed rate of 4.65% per annum and can invest from £1,000. The bond can be funded in multiples of £1,000 thereafter. There is no maximum investment amount. This product has a 3-year fixed term.

    Investments are automatically diversified across numerous loans and interest is received in monthly payments. There is no early withdrawal option. This product is ISA eligible and therefore is not subject to tax.

  • Zopa Core

    IFISA
    Yes

    Term (months)
    0 - 60

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    4.5%

    Est. total return

    Zopa Core investors can expect potential returns of 4.5% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Core borrowers range from A* - C, meaning they are low-risk loans.

    This product is available as an IFISA, which follows the guidelines as set out by UK government.

    Zopa Core investors can expect potential returns of 4.5% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Core borrowers range from A* - C, meaning they are low-risk loans.

    This product is available as an IFISA, which follows the guidelines as set out by UK government.

  • Zopa Plus

    IFISA
    Yes

    Term (months)
    0 - 60

    Minimum investment
    £1,000

    Default rate
    N/A

    Estimated interest
    5.2%

    Est. total return

    Zopa Plus investors can expect potential returns of 5.2% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Plus borrowers range from A* - E, meaning they contain the full range of loans offered on the platform.

    This product is available as an IFISA, which follows the guidelines as set out by UK government.

    Zopa Plus investors can expect potential returns of 5.2% per annum. Zopa's risk market metric measures how likely borrowers can repay their loans on time and in full. Zopa Plus borrowers range from A* - E, meaning they contain the full range of loans offered on the platform.

    This product is available as an IFISA, which follows the guidelines as set out by UK government.


Disclaimer: The comparison table was compiled in January and February of 2017 and the information has been either sourced from the company’s website or we have called the business. Some businesses have not provided us with the data and this is highlighted in the table. Alternative finance investments are not covered under the FSCS however each company performs its own due diligence procedures and has different methods to protect the investor. Please note in all cases additional fees may apply. We have tried to show this where possible on the table. This table should only be used as a guide and should not be relied upon to make investment decisions. Please note your capital is at risk and businessagent.com may be paid a commission from the company if you invest . Please check the terms and risk warnings thoroughly before investing. Click here for our full risk warning.
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