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Ratesetter vs Market Invoice

Ratesetter Established 2009

Invest from £10

  • Back business loans, personal loans and property loans via 3 term periods.
  • Ratesetter choose your loans automatically.
  • 1 month, 1 year and 5 year terms with varying annualised return.
  • There is no fees or charges to invest using Ratesetter.
  • There is no charge to exit if you are using the rolling market. There is a 0.3% charge of your capital to withdraw funds from the 1 year market and a 1.5% charge to withdraw funds from the 5 year market.
  • IFISA available.
  • SIPP available.
  • Protected by the Provision Fund which provides a buffer against poorly performing loans.

* correct as of 17/07/2019


Market Invoice Established 2010

Invest from £10

  • Back individual invoice financing loans secured against the invoices.
  • Set your investment criteria and invest automatically into fractions of invoices.
  • Terms vary depending on the loan.
  • There are no fees for investing in a loan.
  • There is a MarketInvoice servicing fee which varies depending on the amount of funds you have lent out.
  • You cannot withdraw funds until the invoice gets repaid. Due to the short duration of the investments, MarketInvoice does not currently offer a secondary market.

* correct as of 17/07/2019

Borrower rate

* Borrower rate represents the gross interest rate charged to the borrower.

Default rate

* Definition of what represents a default will vary according to each platform * Default value represents loans originating from that month.

Total lent

Ratesetter £3,174,795,480
Market Invoice £1,950,039,513

> The total amount ever lent out by the platform

Average loan

Ratesetter £4,698
Market Invoice £73,921

> The mean average loan amount

Biggest loan

Ratesetter £1,951,908
Market Invoice £2,902,404

> The single biggest amount lent out

Biggest default

Ratesetter £840,000
Market Invoice £2,902,404

> The single biggest default

Min investment

Ratesetter £10

> The minimum amount needed to invest


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

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