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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 With the Ratesetter rolling market your money will be invested for a period of between 6 months and 5 years. Ratesetter operate a provision fund that will reimburse investors should a borrower miss a payment. Coming soon N/A N/A £10 3.7% 4.24% Visit
Ratesetter With the Ratesetter 1 year market your money will be invested in loan terms up to 1 year. Ratesetter operate a provision fund that will reimburse investors should a borrower miss a payment. Coming soon 12 12 £10 3.8% 4.24% Visit
Ratesetter With the Ratesetter 5 year market your money will be invested in loan terms up to 5 years. Ratesetter operate a provision fund that will reimburse investors should a borrower miss a payment. Coming soon 60 60 £10 4.6% 4.24% Visit
Archover Fixed term loans, secured against a sales ledger. They also insure the debt, protecting the investor. No 3 36 £1,000 7.14% 0% Visit
Code Investing Individual sourced peer-to-peer loans secured against high growth businesses. No 60 60 £1,000 8% N/A Visit
Crowd2fund Individual peer-to-peer loans to businesses. Tax free IFISA's. Credit risk rating set by DueDil. Secured against assets or personal guarantees. Potential exit via in-house exchange. Yes 12 60 £100 8.7% 0% Visit
Folk2folk Folk2folk offers simple, straightforward, local lending and borrowing. They organise the secured lending of money between local folk without the involvement of City institutions. Loans secured against property. No 12 60 £25,000 5.5% 0% Visit
Freedman & Partners F&P are a peer-to-peer lending platform that offer secured loans. They go to great lengths to ensure your affairs are managed professionally and your best interests are foremost in their planning and management. No 12 N/A £1,000 9% 2.21% Visit
Funding Circle Funding Circle are a peer-to-peer lender that focuses on lending to small businesses. The majority of their loans are unsecured but they have an AutoBid system that spreads your risk. Coming soon 6 N/A £20 7.1% 1.7% Visit
Funding Knight FundingKnight are a peer-to-peer lender that provides flexible lending solutions for businesses. All loans are secured by a personal guarantees. No 6 60 £25 8.79% 0% Visit
Growth Street Growth Street are a peer-to-peer lender for small businesses. They operate a provision fund that protects the lender, should the borrower default. No 1 N/A £10 6.5% N/A Visit
Market Invoice Market Invoice are a peer-to-peer finance platform that specialise in securing funding against invoices. They price all invoices based on risk. No 1 N/A £50,000 5% 2% Visit
Money Thing MoneyThing are a business lending platform that match lenders with borrowers, leaving out the banks and offering better deals all round. All loans are secured against various assets ranging from property to aircrafts. No 3 36 £1 12% N/A Visit
Lendy We specialise in providing bridging & development finance to property professionals, with funding provided by our established peer to peer crowd funded investment platform. Lending is secured with a legal charge and loan amounts do not exceed 70% of the Open Market Value. No 6 N/A £1 12% 0% Visit
Simple Crowdfunding Simple Backing are a crowdfunding platform and peer-to-peer lender. Their platform connects Investors with Borrowers through Property Projects to the benefit of all involved. All loans are secured using a first charge or a guarantor. No 3 12 £5,000 8% 0% Visit
YesGrowth YesGrowth are not a traditional peer-to-peer lender. They operate a fund via CB Growth Fund which finances it's loans. YesGrowth offer unsecured and secured business loans, either backed by a personal guarantee or a fixed/ floating charge against an asset No 12 12 £65,000 6% 0% Visit
Basset & Gold IFISA fixed investment term of 3 years. Transfer existing ISA funds into Basset & Gold ISA with no fees. Yes 36 36 £1,000 6.12% N/A Visit
Landbay Landbay are a property investment platform that automatically diversify your investment across multiple buy‐to‐let mortgages. Landbay have a provision fund in case a borrower misses a payment. Yes 1 120 £100 3.75% 0% Visit
Lending Works Lending Works are a P2P lending platform. They have created the Lending Works Shield which combines a reserve fund with our unique default insurance to protect lenders. Yes 12 60 £10 5% N/A Visit
ThinCats Thincats are a P2P platform that offer security-backed investments. If a borrower has problems they are in a stronger position to get your money back. Yes N/A N/A £1,000 7% 0% Visit
Proplend Proplend specialise in Property-Backed Commercial Loans. Lenders’ unlent money is held in a Proplend Client Account held with Barclays Bank, which is protected under the Financial Services Compensation Scheme (FSCS). Funds lent into a Proplend Loan are no longer protected under the FSCS. Yes N/A 60 £1,000 5-12% 0% Visit
LendingCrowd LendingCrowd are offering a Growth Account that spread your investment across at least 20 different loans. No more than 5% of your funds will be invested in any one loan. Yes N/A N/A £1,000 6% N/A Visit
Goji Goji Investments are a p2p platform that offer a 1 year fixed term account where every investment is diversified across numerous loan classes, platforms, loans and terms to help reduce risk. Yes 12 12 £5,000 5% N/A Visit
Zopa Zopa operate a peer to peer platform and have a product called Zopa Core which allows you to invest in loans across their core risk markets. A 1% fee applies when selling loans. Yes N/A 60 £1,000 3.7% 0.26% Visit
Zopa Zopa operate a peer to peer platform and have a product called Zopa Core which allows you to invest in loans across our core risk markets. A 1% fee applies when selling loans. Yes N/A 60 £1,000 4.5% 0.26% Visit
Octopus Investments Octopus Investments have a Peer to Peer lending product called Octopus Choice. All our loans are secured against real physical assets with a first legal charge – meaning they can be sold if the borrower defaults. Coming soon 9 60 N/A 4% N/A Visit
Assetz Capital We have designed the Quick Access Account to provide you a fair return on your investment, while providing you the fastest possible access to your cash in normal market conditions. No N/A N/A £1 3.75% N/A Visit
Assetz Capital We have designed the 30-Day Access Account to provide you a fair return on your investment, while providing you with easy access to your money. No 1 1 £1 4.25% N/A Visit
Assetz Capital The Property Secured Investment Account (PSIA) allows investors to invest automatically in property backed loans that always take land or property security that substantially exceeds the loan value. No N/A N/A £1 5.50% N/A Visit
Assetz Capital The Great British Business Account (GBBA) allows investors to automatically invest in business loans to small- and medium-sized enterprises (SMEs). No N/A N/A £1 7.00% N/A Visit
Assetz Capital The Green Energy Income Account (GEIA) allows investors to automatically invest in business loans to renewable-energy projects that benefit from government subsidies, such as Feed-in Tariffs. These projects include wind, solar and wave energy-conversion, but exclude fossil fuels and nuclear power. No N/A N/A £1 7% N/A Visit
Basset & Gold The Basset & Gold Cash Bond is exactly what its name suggests: an alternative method of saving your cash that pays you an attractive annual interest rate in equal bi-annual payments. The Cash Bond is an ideal way to get to know Basset & Gold and the world of online lending, or to park funds with quick and easy access at an attractive rate. Yes N/A 60 N/A 3.14% N/A Visit
Basset & Gold Basset & Gold Fixed Monthly Income Bonds are designed for investors who are looking to generate a predictable and ongoing cash flow paid directly into their bank accounts every month. Yes 36 36 £1,000 6.22% N/A Visit
Basset & Gold Basset & Gold Fixed Monthly Income Bonds are designed for investors who are looking to generate a predictable and ongoing cash flow paid directly into their bank accounts every month. Yes 60 60 £1,000 7.46% N/A Visit
Basset & Gold The Basset & Gold 4-Year Compounding High-Yield Bond is for investors who do not require an ongoing cash flow. The 4-Year Compounding High-Yield Bond is based on the 4-Year Fixed Monthly Income Bond. However, it does not pay investors on a monthly basis but rather reinvests the capital, delivering an effective rate of 7.72% effective p.a. Your accrued interest and capital are repaid directly to your bank account at the end of the 4-year term. Yes 48 48 £1,000 7.72% 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
Formax High scoring borrowers with strong record and good affordablility prospects. Yes 12 60 £100 5.20 - 6.00% N/A Visit
Formax Good scoring borrowers with good record and good affordability prospects. Yes 12 60 £100 6.50 - 7.63% N/A Visit
Formax Below average scoring borrowers with acceptable record and good affordability prospects. Yes 12 60 £100 9.38% N/A Visit
Funding Empire Funding Empire is an online platform that enables lenders to get a return on their money by lending it to creditworthy businesses looking for a loan secured against assets such as vehicles and plant equipment. No N/A N/A £20 10.51% 1.3% Visit
Relendex Relendex is suitable for small or large investors seeking fixed-income with security over property. Yes 6 60 £500 8.65% N/A Visit
QuidCycle For the seasoned investors who are looking to make more of their money without the fuss. No 12 60 £500 6.1% N/A Visit
LendingCrowd With a Self Select Account you choose how to invest your money on the Loan Market. Yes N/A N/A £20 5.95% N/A Visit
LendingCrowd The LendingCrowd Growth ISA is designed to make peer-to-peer investing simple by building a diverse loan portfolio for you. Yes N/A N/A £1,000 6% 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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