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P2P Investment Comparison Table

 
Company Description IFISA Minimum Term (Months) Maximum Term (Months) Minimum Investment Estimated Annual Return Default Rate
Company Description IFISA Minimum Term (Months) Maximum Term (Months) Minimum Investment Estimated Annual Return Default Rate
Ratesetter

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.

Yes 1 N/A £10 3.5% N/A Visit
Ratesetter

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.

No 12 12 £10 4.6% N/A Visit
Ratesetter

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.

No 60 60 £10 6.3% N/A Visit
Archover

A variety of fixed term products available, which include secured, insured and assigned choices. Lenders can invest from a minimum of £1,000 with no upper limit. Loan investment terms start from 3 months up to 3 years whilst returning 6 -10% per annum. Lenders will receive their interest in monthly payments. All borrowers are subject to a credit analysis to measure their ability to repay loans. Borrowers will also be regularly monitored for the duration of their loan. There are no fees for investing.

No 3 36 £1,000 from 6.25% N/A Visit
Code Investing

Invest in mini-bonds to support UK businesses with their goals.

This product is ideal for those with a large sum to invest. Mini-bonds can generally offer returns much greater than government or cash bonds.

Customers receive regular payments and pre-set returns for the life of the bond.

There are no investor fees for investing in mini-bonds.

No 12 60 £1,000 up to 10% N/A Visit
Folk2folk

This product requires a minimum investment of £20,000 whilst returning 6.5% per annum with a minimum term of 6 months. After 6 months, the lender can continue investing into this product for up to 5 years. The Max LTV is 60%.

Yes 6 60 £20,000 6.5% N/A Visit
Funding Circle

A Classic Account has a minimum investment amount of £1,000 but has no maximum amount so investors are free to contribute however much they wish. Any profit generated is subject to tax. Customers have a choice of investing Conservatively, or Balanced.

Conservative has a projected return rate of 5-5.5%. This is due to funds being invested in low-risk UK businesses with lower estimated bad debt rates.

Balanced has a projected return rate of 6-7%. This is due to funds being invested in the full range of UK businesses, but also carries a higher estimated bad debt rate.

No 6 60 £1,000 5% - 7% N/A Visit
Market Invoice

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.

No N/A N/A N/A N/A N/A Visit
Landbay

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.

No 1 25 £100 3.18% - 3.54% 0% Visit
Goji

Investments will be diversified across key sectors, including education, renewable, property and SMEs.
The target return rate is 5% with a fixed term of 1 year.
The minimum investment amount is £1,000.
Income is paid when the product matures.
This product is ISA / SIPP / FOS / FSCS eligible.

No 12 12 £1,000 5% N/A Visit
Zopa

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.

Yes N/A 60 £1,000 4.5% N/A Visit
Zopa

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.

Yes N/A 60 £1,000 5.2% N/A Visit
Assetz Capital

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.

No 1 60 £1 4.1% N/A Visit
Assetz Capital

This product gives a fair return of 5.1% per annum on investments and offers access to deposited funds under normal market conditions when 30 days’ notice is given, without incurring a charge. The rate will not drop below 4%. 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 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.

No N/A 60 £1 5.1% N/A Visit
Assetz Capital

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 and terms range from 6 months up to 5 years. The minimum deposit amount is £1, there is no maximum limit.

No 6 60 £1 5.50% N/A Visit
Assetz Capital

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 is paid regularly and typical terms range from 6 months up to 5 years. The minimum investment amount is £1, there is no upper limit.

No 6 60 £1 6.25% N/A Visit
Assetz Capital

This product gives investors full control over their funds in exchange for the highest possible returns on the platform ranging from 5.50% to 15.15%. Investors can choose which businesses to invest in. All businesses offered have passed Assetz Capital's strict credit policy and are secured loans only. There is no provision fund available on this account. Any loans investors wish to sell can only be sold if there is demand from other investors for them. The minimum investment amount is £1, there is no upper limit. Terms typically range from 6 months to 5 years.

No 6 60 £1 5.50 - 15.15% N/A Visit
Basset & Gold

This bond is exclusive for investors aged over 55 who wish to generate an ongoing income stream from their savings, which is paid directly to their bank accounts.

Investors will receive 12 monthly interest payments at a rate of 4.24% per annum. This rate will stay the same for the duration of the term, as well as any term renewals.

Terms begin from one year and can be renewed for up to a maximum of 5 years.

Minimum investment begins from £1,000 with a maximum amount of £500,000.

All capital invested will be returned at the end of the term.

There are no fees or charges on this product.

No 12 60 £1,000 4.24% N/A Visit
Basset & Gold

This bond is exclusive for investors aged over 55 who wish to generate an ongoing income stream from their savings, which is paid directly to their bank accounts.

Investors will receive 1 annual interest payment at 4.32% AAR. This rate will stay the same for the duration of the term, as well as any term renewals.

Terms begin from one year and can be renewed for up to a maximum of 5 years.

Minimum investment begins from £1,000 with a maximum amount of £500,000.

All capital invested will be returned at the end of the term.

There are no fees or charges on this product.

No 12 60 £1,000 4.32% N/A Visit
Basset & Gold

Designed for investors who wish to receive a regular income stream of interest payments paid directly into their bank accounts on a monthly basis.

There are two terms available; 3-years and 5-years. The 3-Year Bond pays 6.22% per annum and the 5-Year Bond pays 7.46% per annum. The maximum total ROI is 37.30%.

Minimum investment is £1,000 with a maximum investment of £500,000.

There are no fees or charges. All capital will be returned at the end of the term.

This product is eligible for B&G's Interest Shield and has full asset-backed securities.

No 36 60 £1,000 6.22% - 7.46% N/A Visit
Basset & Gold

This product is aimed at investors who do not require a regular monthly income.

All capital is reinvested into the bond, which results in a fixed rate of 9.01% AAR.

All capital and interest is repaid into the investor's bank account at the end of the term. Over the 5-year period, this equates to a yield of 45.04% in interest.

Minimum investment amounts begin at £1,000 with a maximum investment of £500,000.

This product is eligible for B&G's Interest Shield. There are no fees or charges.

No 60 60 £1,000 9.01% N/A Visit
Bond Mason BondMason, the UK’s leading Direct Lending specialist, makes it easy for investors to target gross returns of 8%+ p.a. by enabling clients to invest in Direct Lending the smart way. Coming soon N/A N/A £5,000 8% 0.5% Visit
QuidCycle

Invest from £500 to £30,000.

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

Returns from 3.9% up to 6.1%.

No 12 60 £500 up to 6.1% N/A Visit
LendInvest

Expect annual returns ranging from 4% to 7%, with returns being paid in monthly instalments.

No N/A N/A N/A 4%-7% N/A Visit
Market Invoice

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.

12 N/A N/A N/A N/A Visit
Market Invoice

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.

No N/A N/A N/A N/A N/A Visit
LendInvest

Bonds are backed by UK property loans and are listed on the London Stock Exchange. Investors have a choice between a 5-year term with a 5.25% fixed rate, or a 5.5-year term with a 5.375% fixed rate. This product is suitable for SIPPs and ISAs.

No 5 N/A £2,000 5.25% - 5.375% N/A Visit
The Housecrowd

Earn 7% interest, hassle free as The Housecrowd will automatically diverse allocated funds against secured legal charges. Interest is accrued 365 days a year with a minimum term of 12 months. Interest is paid twice a year, in October and April.

No 12 N/A £1,000 7% N/A Visit
The Housecrowd

Invest in bridging loans from as little as £1000 and potentially earn up to 9.2% 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.

No 3 12 £1,000 9% N/A Visit
The Housecrowd

There are more than 200properties 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.

12 12 £1,000 10% N/A Visit
The Housecrowd

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.

The minimum investment amount is £1,000.

Minimum investment term is 3 years. Rental income generated is typically 5 years.

36 N/A £1,000 up to 9.4% N/A Visit
Folk2folk

This product is IFISA eligible and requires a minimum investment of £20,000 whilst returning 6.5% per annum. Fixed terms are annual commitments ranging from 1 year to 5 years. The Max LTV is 60%.

Lenders have the option of extending their loan for up to 5 years only if the borrower wishes to extend the loan. If the borrower chooses to repay the loan early, lenders will receive 3 months' notice as well as an additional 3 months of interest payments.

12 60 £20,000 6.5% N/A Visit
Archover

Investors can receive interest from 6.25% per annum by investing as little as £1,000 for loan terms ranging from 3 to 36 months.

Businesses will have all assets charged against them.

Finance will be leveraged against Accounts Receivable, which will also be insured late-paying or non-paying borrowers.

Borrowers will be subject to a credit analysis, monthly monitoring and will have their bank accounts controlled by Archover.

3 36 £1,000 from 6.25% N/A Visit
Archover

Investors can receive interest from 7.75% per annum by investing as little as £1,000 for loan terms ranging from 3 to 36 months.

Businesses will have all assets charged against them.

Finance will be leveraged against contracted recurring revenues. Guaranteed revenue contracts will be assigned to ArchOver.

Borrowers will be subject to a credit analysis, monthly monitoring and will have their bank accounts controlled by Archover.

No 3 36 £1,000 from 7.75% N/A Visit
Archover

Investors can receive interest from 7% per annum by investing as little as £1,000 for loan terms ranging from 3 to 36 months.

Businesses will have all assets charged against them.

Finance will be leveraged against Accounts Receivable or contracted recurring revenue. Accounts Receivable are not insured and contracted recurring revenue is not assignable.

Borrowers will be subject to a credit analysis, monthly monitoring and will have their bank accounts controlled by Archover.

No 3 36 £1,000 from 7% N/A Visit
Archover

Investors can receive interest from 9.25% per annum by investing as little as £1,000 for loan terms ranging from 3 to 36 months.

Lending will be given to borrowers with the intention of becoming Secured & Insured or Secured & Assigned. This model will contain some features from those products.

Borrowers will have to accept a 2nd charge against their business as security.

Borrowers will be subject to a credit analysis and monthly monitoring.

No 3 36 £1,000 from 9.25% N/A Visit
Archover

Investors can receive interest from 10% per annum by investing as little as £1,000 for loan terms ranging from 3 to 36 months.

Loans within this model are unsecured and are held against Research & Development tax claims. This product is suitable for companies with a successful history of Research & Development claims.

Funds are paid directly to Archover's Controlled Bank Account. Research & Development claims will be prepared by 3rd-party professionals.

No 3 36 £1,000 from 10% N/A Visit
Goji

Investments will be diversified across environmental projects, including solar and wind.

For a 3-year bond, the target return rate is 6.5% per annum.

For a 5-year bond, the target return rate is 8.3% per annum.

The minimum investment amount is £5,000.

Income can be paid either quarterly, or when the bond matures.

This product is ISA / SIPP / FOS / FSCS eligible.

No 36 60 £5,000 6.5% - 8.3% N/A Visit
Wellesley & Co.

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.

No 12 60 £100 up to 6.00% N/A Visit
Wellesley & Co.

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.

No 36 36 £1,000 4.65% N/A Visit
Ethex

These investments provide customers with shares in the business.

Some investments will also pay dividends if the company generates a profit.

Depository Receipts are akin to shares, but do not carry any voting rights.

Many investments are reward-based and do not carry fixed terms.

N/A N/A £65 up to 5% N/A Visit
Ethex

Customers will be lending to businesses for a fixed term, which can range from 1 year to 20 years. Bonds may vary in security and debentures are unsecured loans. Customers will not receive voting rights in the business if they choose to participate in this product. Interest is paid in regular intervals and capital is returned when the term ends.

12 240 £50 up to 6% N/A Visit
Ethex

These products are sold by existing investors on the platform and incorporate different payment methods. Some investments can be bought via shares, whilst others will accept cash. Term lengths vary.

No N/A N/A N/A up to 7.5% N/A Visit
Ethex

Investors are assigned fund managers who will invest on behalf of the investor in a wide range of projects to spread risk and minimise losses. Investments under this product do not tend to have fixed terms.

N/A N/A £1,000 up to 15.5% N/A Visit
ThinCats

Customers can use their pensions to invest in secured loans of their choosing and earn tax-free interest in the process. In addition to this, pension contributions are eligible for tax relief. This means a basic-rate taxpayer’s contributions benefit from an extra 20% tax return that can be used to further invest in the pension.

Customers with either a SIPP or SASS pension type are eligible for this product. ThinCats pension partners include Whitehall, Morgan Lloyd and SIPPclub.

No N/A N/A N/A N/A N/A Visit
ThinCats

Customers can earn tax relief by investing in good causes, such as charity and community projects. This government initiated product offers two types of tax relief: Social Investment Tax Relief (SITR) and Community Investment Tax Relief (CITR).

SITR contributions are invested in social businesses. In return, lenders will receive interest on their loan and HMRC will give 30% of the lender's investment back. The minimum term for SITR tax relief is 3 years. The maximum investment is £1m per tax year.

CITR contributions are invested in enterprises that have under-invested communities. Lenders' funds are invested in Community Development Finance Institutions (CDFIs), who then invest in enterprises that oversee disadvantaged communities. Over a 5-year period, investors of this product will receive 5% tax relief per year of the capital invested. There is no maximum investment amount.

No 36 60 N/A N/A N/A Visit
Proplend

Earn interest from 5% to 12% per annum after fees and before bad debts and taxes. Invest from £1,000 with no maximum limit. Terms vary based on the loan, typically 12 to 60 months. 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.

No 12 60 £1,000 5 - 12% N/A Visit
Proplend

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 investment choices.

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.

No 12 60 £1,000 5 - 12% N/A Visit
Crowd for Angels

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.

No 1 N/A £25 up to 33.76% N/A Visit
Crowd for Angels

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.

12 60 £100 up to 8% N/A Visit
Crowd for Angels

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.

No N/A N/A N/A N/A N/A Visit
Investing Zone

A multi-asset portfolio with the aim to offer a regularly growing income whilst preserving the invested capital value. Based on historical data, this fund has a 5% dividend yield. Customers will receive payments in monthly instalments.

Multiple asset classes are utilised, which include UK and overseas equites, specialist assets, fixed income and cash.

No N/A N/A N/A up to 5.1% N/A Visit
Octopus Choice

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.

N/A N/A £10 4% N/A Visit

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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