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4thWay is the world’s first ratings agency for peer-to-peer lending. Now also investment indices. Founded in 2014. Rated 9.005/10 by our users.
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P2P lending has consistently earned lenders with sensible strategies a massively inflation beating return, since it came about in 2005. It has done so much more stably than the stock market, which has seen every third year being a loss year for share investors, after investing costs, compared to no down years for P2P lending!
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- What is Peer-to-Peer Lending?
- P2P Lending Vs Other Investments.
- The IFISA (P2P ISA) Guide.
- 4thWay’s 10 P2P Investing Principles.
P2P lending and IFISA reviews
See all our reviews into the P2P lending and P2P IFISA companies that have subjected themselves to hours of interviews with our specialists, provided us with over one hundred data points, submitted large amounts of data and gone through background checks.
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4thWay regularly publishes 100% original and candid research to help you understand P2P lending better and understand your options better.
Latest Full Lande Assessment For Lenders
LANDE* was the first ever P2P lending company in either the eurozone or continental Europe to be fully assessed by 4thWay. Lenders using LANDE have lent since 2020. What does LANDE do? LANDE's borrowers are Latvian, Lithuanian and Romanian businesses – almost all farmers. Loans...
CONTINUESomo Now Taking First Loss On Most Loans
On second-charge loans approved on or after 1st November 2025, Somo* is providing 10% first-loss protection on the money you lend. The total Somo will ever pay out for the guarantee is capped at £1.2 million. Somo's guarantee cuts in when all reasonable attempts to...
CONTINUEInvest & Fund Review
Invest & Funds accounts are unrated. The standard account and the IFISA have been paying , according to Invest & Fund. Visit Invest & Fund or keep reading the Invest & Fund Review.
CONTINUEReview of the month
Proplend hasn't changed and that's a very good thing. But this review contains some substantially improved material on one of the few providers to offer some variety to your lending - with unparalleled risk control. A 4thWay specialist just completed the half-yearly assessment.
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