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Compare Peer To Peer Lending

P2P (peer to peer) lending is when investors lend their money via a platform direct to a business, individual or against a property/asset at an agreed rate. There is no guarantee against losses, however some P2P lenders have a provision fund, secure the debt against an asset or spread the risk amongst multiple loans. See our P2P guide.


Compare Platforms

Pit two platforms head to head to see how that compare! Select two platforms in the drop-down menus below to view a full comparison.

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P2P lending volumes

Funding Circle £3,448,615,744
Zopa £3,079,326,748
Ratesetter £2,515,137,637
Market Invoice £1,950,039,513
ThinCats £283,033,000
Landbay £83,128,076
Lending Works £75,715,356
Funding Knight £31,485,000
LendingCrowd £30,253,516
Relendex £12,706,000

Monthly volumes for the leading platforms


  • Folk2folk Sponsored

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £20,000

    Default rate
    6.5%

    Established
    14/08/2012

    Provision fund
    N/A

    Est. interest
    up to5.5%

    Folk2Folk is a peer to peer lending platform for business loans and all of their loans are secured against UK land or property. Businesses can borrow from £50k - £5m over a term of 6 mon..
  • Funding Circle Sponsored

    IFISA
    Coming soon

    Term (months)
    6 - 60

    Minimum investment
    £20

    Default rate
    1.7%

    Established
    21/07/2009

    Provision fund
    N/A

    Est. interest
    up to7.1%

    Funding Circle is one of the oldest P2P lenders (est. 2009) for business loans. Enabling investors to directly lend to small businesses via 2 risk band products; Balanced and Concervative and exit v..
  • Money Thing Sponsored

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1

    Default rate
    0%

    Established
    08/10/2004

    Provision fund
    N/A

    Est. interest
    up to12%

    MoneyThing is a peer to peer lending platform established in February 2015. Businesses can borrow from £25k to £5m over a term of 3 months to 5 years. All loans are secured against&..
  • Relendex Sponsored

    IFISA
    Yes

    Term (months)
    6 - 60

    Minimum investment
    £500

    Default rate
    0%

    Established
    25/08/2015

    Provision fund
    N/A

    Est. interest
    up to8.65%

    Relendex are a P2P short term property loan specialist. They allow you to invest over a period of 6 months to 5 years from £500 to millions. You choose individual loans yourself to invest in o..
  • YesGrowth Sponsored

    IFISA
    No

    Term (months)
    12

    Minimum investment
    £65,000

    Default rate
    0%

    Established
    22/05/2013

    Provision fund
    N/A

    Est. interest
    up to6%

    YesGrowth is an alternative finance provider offering secured business loans from £50k to £500k over a period of 3 to 24 months and unsecured business loans from £50k to £250..
  • Archover

    IFISA
    No

    Term (months)
    3 - 36

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    26/04/2010

    Provision fund
    N/A

    Est. interest
    up to7.14%

    Established in 2014, Archover is a P2P lender of business loans. The minimum businesses can borrow is £250k over a fixed term period of 3 to 36 months. Invest via 4 different products; 'Secur..
  • Assetz Capital

    IFISA
    No

    Term (months)
    3 - 60

    Minimum investment
    £1

    Default rate
    N/A

    Established
    27/03/2012

    Provision fund
    Yes

    Est. interest
    up to7.00%

    Assetz Capital is a peer to peer lending platform that lends to businesses with security available. Businesses can borrow from £50k to £5m depending on the type of finance required. Ass..
  • Bond Mason

    IFISA
    Coming soon

    Term (months)
    N/A

    Minimum investment
    £5,000

    Default rate
    0.5%

    Established
    01/06/2015

    Provision fund
    N/A

    Est. interest
    up to8%

    Established in 2015, BondMason are a peer to peer lender for loans.  There are 3 options to choose how to invest; 'Autobid' where you can choose to invest automatically across all the Receivabl..
  • Code Investing

    IFISA
    No

    Term (months)
    60

    Minimum investment
    £1,000

    Default rate
    N/A

    Established
    15/07/2011

    Provision fund
    N/A

    Est. interest
    up to8%

    Code Investing is a digital investment platform offering investment opportunities to SMEs (small or medium enterprises). Businesses can borrow from £250k to £5m+ over a term of 6 months ..
  • Crowd2fund

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £100

    Default rate
    0%

    Established
    04/04/2013

    Provision fund
    N/A

    Est. interest
    up to8.7%

    Crowd2Fund is a peer to peer lending platform that was established in 2013. Businesses can borrow from £10k to £1m over a term of 1 to 5 years. Invest in individual business loans with ..
  • Formax

    IFISA
    Yes

    Term (months)
    12 - 60

    Minimum investment
    £100

    Default rate
    N/A

    Established
    16/05/2014

    Provision fund
    Yes

    Est. interest
    up to9.38%

    The Formax Group, founded in 2012 are an financial services company offering a number of core products. Businesses can borrow from £5k to £100k over a period of 6 months to 5 years. Inv..
  • Freedman & Partners

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £1,000

    Default rate
    2.21%

    Established
    06/02/2013

    Provision fund
    N/A

    Est. interest
    up to9%

    Freedman & Partners LLP is a peer to peer lending platform that was established in March 2016. They offer business loans from £200k - £5m+. There is a minimum investment amount..
  • Funding Knight

    IFISA
    No

    Term (months)
    6 - 60

    Minimum investment
    £25

    Default rate
    0%

    Established
    17/02/2011

    Provision fund
    N/A

    Est. interest
    up to8.79%

    FundingKnight is a crowdlending lending platform that offer business loans, Commercial property loans and Green energy loans. You can borrow from £250k - £5m depending on the type of loa..
  • Goji

    IFISA
    Yes

    Term (months)
    12

    Minimum investment
    £5,000

    Default rate
    N/A

    Established
    16/06/2016

    Provision fund
    N/A

    Est. interest
    up to5%

    Goji are a peer to peer direct lending platform that offer a number of different products to diversify your investment. You choose which investment product you wish to invest in and how much yo..
  • Growth Street

    IFISA
    No

    Term (months)
    N/A

    Minimum investment
    £10

    Default rate
    N/A

    Established
    18/03/2015

    Provision fund
    Yes

    Est. interest
    up to6.5%

    Growth street are a peer to peer lender of business loans. Businesses are able to borrow from £30k to £1m using Growth Street's GrowthLine and only pay interest on what they use and..
  • Landbay

    IFISA
    Yes

    Term (months)
    1 - 120

    Minimum investment
    £100

    Default rate
    0%

    Established
    29/08/2013

    Provision fund
    Yes

    Est. interest
    up to3.75%

    Landbay is a peer-to-peer investment marketplace that provides lenders direct access to fund the mortgages of buy-to-let properties in the UK. Invest from £100 and funds will start earning int..
  • Lending Works

    IFISA
    Yes

    Term (months)
    36 - 60

    Minimum investment
    £10

    Default rate
    0%

    Established
    21/11/2012

    Provision fund
    Yes

    Est. interest
    up to5%

    Lending Works is a peer to peer lender that allows you to back personal loans secured by a personal guarantee. Individuals can borrow between £1,000 and £25,000. Established in 2012, Len..
  • LendingCrowd

    IFISA
    Yes

    Term (months)
    1

    Minimum investment
    £1,000

    Default rate
    1.57%

    Established
    27/01/2014

    Provision fund
    N/A

    Est. interest
    up to6%

    LendingCrowd is a P2P lender that offer business loans over 6 months to 5 years. They have 2 different ways of investing; a Self Select Account which allows you to choose the loans yourself or a Gro..
  • Lendy

    IFISA
    No

    Term (months)
    3 - 12

    Minimum investment
    £1

    Default rate
    0%

    Established
    09/10/2012

    Provision fund
    Yes

    Est. interest
    up to12%

    Lendy are a peer to peer lender that offer Bridging loans and Development loans to borrowers. Bridging loans are a minimum of £100k with 24 month terms and Development loans are a minimum of &..
  • Market Invoice

    IFISA
    No

    Term (months)
    1

    Minimum investment
    £50,000

    Default rate
    2%

    Established
    29/07/2010

    Provision fund
    N/A

    Est. interest
    up to5%

    Established in 2011, MarketInvoice is a peer to peer lender specialising in invoice financing. They offer a variety of different invoice financing solutions such as; Selective Invoice Discounting, C..
  • Octopus Investments

    IFISA
    Coming soon

    Term (months)
    9 - 60

    Minimum investment
    £10

    Default rate
    N/A

    Established
    26/02/2014

    Provision fund
    N/A

    Est. interest
    up to4%

    Octopus Investments allows users to invest in peer to peer lending though their Octopus Choice product. Octopus Choice gives lenders the opportunity to invest in loans backed by residential&nbs..
  • QuidCycle

    IFISA
    No

    Term (months)
    12 - 60

    Minimum investment
    £500

    Default rate
    6.38%

    Established
    08/10/2010

    Provision fund
    Yes

    Est. interest
    up to6.1%

    QuidCycle are a peer to peer lending platform that offer business loans. Borrowers can get loans from £2.5k to £25k over 1 year, 3 year or 5 year periods. Investors can invest from &pou..
  • Ratesetter

    IFISA
    Coming soon

    Term (months)
    1

    Minimum investment
    £10

    Default rate
    0.92%

    Established
    13/11/2009

    Provision fund
    Yes

    Est. interest
    up to4.6%

    Ratesetter are a P2P lender, established in 2010. There are 4 ways of earning interest on your money; monthly rolling market rate, 1 year market rate, 5 year market rate or set your own interest rat..
  • ThinCats

    IFISA
    Yes

    Term (months)
    N/A

    Minimum investment
    £1,000

    Default rate
    0%

    Established
    10/05/2010

    Provision fund
    N/A

    Est. interest
    up to7%

    ThinCats are a P2P lender that offer business loans with terms of 2 months to 5 years secured with debentures, legal mortgages, inter-company guarantees, chattel mortgages and personal guarante..
  • Zopa

    IFISA
    Yes

    Term (months)
    0 - 60

    Minimum investment
    £1,000

    Default rate
    0.26%

    Established
    04/08/2004

    Provision fund
    Yes

    Est. interest
    up to4.5%

    Zopa are a peer to peer personal lender. Established in March 2005, Zopa are one of the oldest P2P lenders. They currently offer 2 products; Zopa Core and Zopa Plus that are not protected by a ..

Disclaimer

The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

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