A number of funds that mimic the role of banks have sustained losses. Furthermore, they’ve had to restrict withdrawals from investors, sparking concerns of weaknesses in the global financial system. You might have read about these problems repeatedly over the past half year. It’s called…
Lendwise’s lending accounts are unrated. These loans are currently expected to pay lenders around after bad debts. Visit Lendwise or keep reading the Lendwise Review.
CapitalRise’s Bridging & Development Loans have earned the Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around interest after bad debts. Visit CapitalRise* or keep reading the CapitalRise Review.
Edits on 15th May 2026: since publishing this on 30th April, several important additions and corrections have been added below. Until the end of May, those changes will all show in bold. Do you want the good news or the bad news first? Right, the…
Housemartin’s P2P Lending Account And IFISA And Classic Account has earned an Exceptional 3/3 4thWay PLUS Rating. These loans have been paying lenders around of the loan amount in interest, after bad debts. Visit Housemartin* or keep reading the Housemartin Review.
How do P2P lending providers and similar companies offering online direct lending-type opportunities perform in terms of complaints their customers make to the powerful, consumer-friendly Financial Ombudsman Service? There are no P2P lending companies making it into the Big Lists The Financial Ombudsman Service publishes…
4thWay received an email from a user asking about a property loan that is on the verge of suffering confirmed losses for lenders. He said: “What happened with their LTV guarantee on that one?” LTV is short for “loan to value”. It means how large…
Just a brief update since I wrote Kuflink In Trouble With The Financial Conduct Authority in December. Seemingly no new loans for months We receive emails to a 4thWay email address when Kuflink loans are available for you to lend in. Over the past four…
Peer-to-peer lending websites and IFISA providers that do not appear to have the correct permission from the financial regulator are the ones that are most likely to turn out to be the real monsters that cause panic, fear and financial loss to individuals. Below, you…
An online direct lending platform called Shojin has gone bust, as it could no longer pay all its bills. Its directors chose to place its business in administration. That means that specialists (called “administrators”) have been appointed to wind it down. The administrators have stated…
The most powerful thing you can do when lending is spread across a lot and lots of loans. If you’re looking to swiftly deploy your money into hundreds – or even thousands – of individual loans, I’ve made a shortlist based on what I understand…
Last week, CrowdProperty published its annual accounts for the 12 months up to March 2025. Losses potentially up five-fold to £1.5 million It seems very likely that CrowdProperty made another loss in its corporate year ending in early spring 2025. My best estimate is the…
I have a lot of professional and some personal experience with the Financial Ombudsman Service (FOS), all of it good. This powerful and excellent service has helped millions of people to win compensation. The FOS handles complaints about financial businesses that are regulated by the…
CrowdProperty has just made a lot of changes to its terms and conditions. Apart from simplifying them a lot – they really are an awful lot easier to read, which is great – there are substantive points that I want to bring to your attention….
When it comes to the risks of losing money, the main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending site going bust (platform risk). Losing money…
When loans fall into arrears or even turn bad – i.e, they “default” – you continue to earn interest. Most of the time, even if the borrower’s property ultimately needs to be repossessed and sold, lenders get all their money back as well as all…
In China, the number of websites offering lending platforms once reached more than 2,000. For a long time after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. The UK is far from China in more ways…
I realised recently that 4thWay focuses so much on getting enough information, data and access to key people for ourselves that we don’t always remember to provide you with enough information about what you are told directly by the online lending platforms. I’m looking to…
You’d think that learning from mistakes and improving would be a given for those who are finding and offering investments to you, but it really isn’t. But I have here an example of a provider called AxiaFunder that is well and truly learning from the…
We have nagged the taxman’s notoriously tight-lipped officials, talked the financial regulator, and chased down accountants, IFISA providers and even 4thWay’s own skilled experts to give you answers to all your IFISA questions – as well questions you never thought to ask. This guide is…
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.
*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 CapitalRise, CapitalStackers, Housemartin, Loanpad and Proplend, and other P2P lending companies not mentioned above either when you click through from our website and open accounts with them, or when you make an investment, 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.
**We put any and all P2P lending sites in our comparison table as soon as they provide us with over 100 data points and discuss their processes and key people with us.
