In 4thWay’s main update published this week, I wrote about how the financial regulator has put restrictions on Kuflink, due to failings in governance. “Governance” basically means managing the business in a proper way, with sufficient safeguards for lenders and others. One of the issues…
This review is temporarily down Normally, when 4thWay’s specialists reassess peer-to-peer lending providers and other online direct lending providers on behalf of individual lenders, the new assessment is put up on the 4thWay website with no downtime in between. However, perhaps once per year on…
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…
The number and type of P2P lending companies operating from the UK changes regularly. We keep this page updated every quarter. On this page, you’ll find: Full alphabetical list of the peer-to-peer lending companies in the UK. Which includes: – What types of lending they…
Proplend’s Tranche A, 5-50% LTV Lending Against Property Mostly Receiving Rent has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying interest after lending fees bad debts. Proplend’s other loans (called tranche B and C) are also 3/3 rated and paying 9%-12%….
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…
Unbolted’s IFISA And Classic Account are Unrated, because we don’t receive sufficient data to conduct our full assessments. Unbolted has only sporadically provided information and sparse data to 4thWay. Lenders seem to be offered around after bad debts, if you re-lend your loans and interest….
Can you believe the world’s banking regulators actually let this happen? Risky lending triggered the 2008 financial crisis, so regulators banned the big banks from doing it. But then those same regulators allowed the banks to lend money to non-bank lenders—who could still make the…
We’ve had a loooot of emails from lenders about recent changes at Kuflink, as well as one or two about bad debts. I’ve finished my investigations into the changes and re-interviewed key people at Kuflink. I’ve also done some preliminary research on bad debts in…
Loanpad’s Premium Account/Premium IFISA received an Exceptional 3/3 4thWay PLUS Rating. This account has been paying interest with zero losses. Visit Loanpad* or keep reading the Loanpad Review.
P2P lending costs money for both borrowers and lenders. Because there’s no such thing as a free lunch! Firstly, I’ll explain how “free” lending actually costs you money, starting with an example from another finance-related industry that all of you should be familiar with, namely…
Downing Crowd’s Property Development Lending & Wholesale Lending is unrated, due to lack of information. These loans have been paying lenders around interest before bad debts. Visit Downing Crowd or keep reading the Downing Crowd Review.
If you invest by buying shares through the stock market, you can be confident that most of your money is working for you most of the time. And you can reinvest with ease in seconds. It’s extremely rare when this becomes difficult. Not so with…
This is a brief look at all your quality investment options. I also make the case that there’s one form of investment that trumps the rest. And – to be candid – it’s not P2P lending. Four of the five quality investments that everyone should…
P2P lending, IFISA lending and other online lending is pretty simple and straightforward to do well, but only if you do all the routine things right. Neither 4thWay’s lending tips nor any other educational information from us or elsewhere online can save you from disappointment,…
The majority of peer-to-peer and online lending focuses on development lending. That sector has gone through a very rough patch in recent years and I’ve been wondering whether too many individual lenders have not spread across other types of lending. So it’s a good time…
I’m super proud of what 4thWay has done for many lenders and of our record. We have made some mistakes, but our ratings, research and guidance has been very accurate. More accurate than it needs to be for lenders to comfortably make satisfactory returns over…
Sometimes P2P lending companies close down or shift away from being P2P businesses. When they do, you want to see loans repaid in an orderly fashion. That’s why they have plans for this scenario in advance. These plans are intended to make it highly probable…
I don’t often write about the ethical, ecological, responsible, “doing good” or social aspects of lending. Hardly anyone clicks on headlines like that. Yet now that I’ve tricked you into this one with my vague title, would you give me a few minutes, as: We…
LEND.ch is a Swiss peer-to-peer lending provider offering lending in Swiss francs (CHF). It hasn’t opened up to 4thWay’s specialists with data and access to its key people and therefore we haven’t conducted our usual week’s long assessment of it. So this is kind of…
Independent opinion: 4thWay will help you to identify your options and narrow down your choices. We suggest what you could do, but we won't tell you what to do or where to lend; the decision is yours. We are responsible for the accuracy and quality of the information we provide, but not for any decision you make based on it. The material is for general information and education purposes only.
We are not financial, legal or tax advisors, which means that we don't offer advice or recommendations based on your circumstances and goals.
The opinions expressed are those of the author(s) and not held by 4thWay. 4thWay is not regulated by ESMA or the FCA. All the specialists and researchers who conduct research and write articles for 4thWay are subject to 4thWay's Editorial Code of Practice. For more, please see 4thWay's terms and conditions.
Our service is free to you. We don't receive commission or fees from the above-mentioned companies. We receive compensation from some other P2P lending companies 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. This doesn't affect our editorial independence. Read How we earn money fairly with your help.
