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Can My Business Lend Through P2P Lending Sites?
UK Limited companies and Limited Partnerships are allowed to lend through P2P lending websites.
The ones we know of where this is allowed are:
Assetz Exchange*/**
AxiaFunder*/**.
CapitalStackers*/**.
CP Capital.
CrowdProperty.**
Downing Crowd**.
EstateGuru.
Folk2Folk.
Invest & Fund*/**.
Kuflink*/**.
LandlordInvest.
Lendwise*/**.
Proplend*/**.
SoMo*/**.
Sourced Capital.**
Limited companies and LLPs are generally allowed to lend. You'll need to read the print carefully if you have a different type of business.
Sometimes you're not allowed to lend if you are in the Channel Islands or the Isle of Man.
Usually, if your main business is lending, you will not be allowed to lend through the online marketplaces, unless the business you set up is solely to lend through one marketplace.
Even so, some P2P lending sites, especially in the property space, use institutions, wealthy individuals or businesses to either prefund loans, or as underwriters, or for “liquidity”.
That all means that they fund loans in advance so the borrower isn't waiting and then resell loan parts (prefunding), or taking up any slack on a new loan that borrowers are not able to fund through individual P2P lenders (underwriting) or buying or selling existing loan parts to enable small investors to buy or sell when they want to (liquidity).
*Commission, fees and impartial research: our service is free to you. 4thWay shows dozens of P2P lending accounts in our accurate comparison tables and we add new ones as they make it through our listing process. We receive compensation from Assetz Exchange, AxiaFunder, CapitalStackers, Invest & Fund, Kuflink, Lendwise, Proplend and SoMo, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or to cover the costs of conducting our calculated stress tests and ratings assessments. We vigorously ensure that this doesn't affect our editorial independence. Read How we earn money fairly with your help.
**This peer-to-peer lending site is listed in our comparison tables. We always list all P2P lending sites that provide us with enough information and data – well over 100 data points plus interviews by our experts with the key people.
