Today I want to look at how to prevent permanent lending losses caused by such things as recessions. 4thWay often alerts its subscribers in its newsletter if there are signs that a P2P lending website is lowering its standards, e.g. by accepting more borrowers with worse…
Naturally, we can’t know the answer to the question in the title precisely, because every major economic event is unique, coming with different causes, different factors happening at the time. However, investors need to invest – and lenders need to lend – with a large…
Recently we made a new effort to get even more data from the P2P lending providers to really get a full idea of how easy it is for lenders to get their money lent out at the moment. We wanted to know if we could…
Getting your money back when using auto-lend Some P2P lending accounts and IFISAs spread your money across loans automatically or have similar “auto-bid” or “auto-lend” features. When it comes to getting your money back from these sorts of accounts, a 4thWay user summed up the…
What is a secondary market? A secondary market allows you to buy and sell existing loan parts to or from other lenders. You might do this for bigger profits, to exit early or for other reasons. The only realistic way to leave P2P lending loans…
“Safe” and “20%” interest is probably not a phrase that you can legitimately hear. But “saf” and “20%” is something else. Because, of all the opportunities where you might be able to earn that return, one of them has to be the safest among them….
Our specialists have updated the 4thWay PLUS Ratings and 4thWay Risk Scores methodology slightly. On balance, the changes make it a little harder for P2P lending companies to get higher ratings and better scores. My colleagues have also removed all allowances made for COVID-19 forbearance,…
In autumn last year, inflation had doubled in six months to 3%, which prompted me to write The Impact Of Inflation On P2P Lending Results. Another six months or so have passed, and the inflation rate has more than doubled again, hitting 7.8%. This means…
LandlordInvest’s Bridging & Development Loans are currently unrated, as we’re missing just a small amount of monthly data required for our minimum assessment criteria. These loans have been paying lenders around interest before bad debts. Visit LandlordInvest or keep reading the LandlordInvest Review.
Mike Carter of the 36H Group has passed detailed data on P2P lending companies’ lending results to the FCA to demonstrate why this type of investing should be moved into a different, low-risk category. That’s according to P2P Finance News. 4thWay collects a huge amount…
Funding Circle is a stock-market listed company, registered as FCH for “Funding Circle Holdings” on the London Stock Exchange since autumn 2018. The Funding Circle share price is right down at 1/6th of its highs and it’s unchanged since releasing its 2021 results three days…
P2P lending is far better than ESG funds if you want both great returns as well as to truly support better causes while you invest. ESG means “Environmental, social and corporate governance”. Basically, it’s supposed to be about businesses being socially, ethically and ecologically responsible….
Kuflink* has just reported its first ever profit of about £400,000, off the back of real earnings of about £3 million, for 2021. This is the first profit for the group since it launched its P2P lending arm, after results previously improved from a £3…
Jeremy Grantham of GMO is making the case for investors putting more into “specialized” lending and less into shares today, because we’re currently in superbubble territory. While he’s most concerned about the US stock market, he’s also worried about stock markets in general, especially in…
Hot on the heals of Zopa, Lending Works has closed for new lending by small investors. Most likely its decision was impacted by damage to its reputation in recent years, some of it justified. With lenders all expected to have their money repaid in full,…
Here are your best alternatives to Zopa, now that it’s converting to a bank from P2P lending. (Read The Real Reason Zopa Is Closing Its P2P Arm.) Zopa was the oldest P2P lending company in the world, founded in 2005, with an exceptional record. Most…
Zopa has closed its P2P arm to focus on its bank. Zopa wrote to its customers: “Sadly, over the last few years, customer trust in P2P investing has been damaged by a small number of businesses whose approach led to material losses for customers investing…
This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review Still want to read the Zopa Review? We’re keeping the last version of…
While the vast majority of individual lenders have made money on their loans every year since P2P lending started in 2005, some have not done so well. Alternatively, some might have been surprised by other outcomes, such as seeing their money trapped in for longer…
We have a guide on 4thWay that shows how you can open as many IFISAs as you want in the space of a few months, saving you on tax and helping you spread your money very quickly. But you might have to educate someone to…
