Some 4thWay users asked us about three P2P lending sites missing from the 4thWay comparison tables, and about a fourth P2P lending site that has been proving frustrating. Here are their questions and our answers. S Smith, 4thWay user: I think your website is very…
Development loans offer attractive interest rates of 8% or more, secured on land and property, so they are appealing to lenders. Most property P2P lending websites focus on development loans more than other kinds of property loans. (See sidebox, right, to find out what development…
At first glance, Assetz Capital’s* Property Secured Investment Account looks pretty much like what I always thought its Great British Business Account was really meant to be. Its British business account describes itself as lending in loans that are “usually” backed by land and property,…
There are very few P2P lending sites that have given me the feeling of 100% honesty and openness that we at 4thWay also aim for, but I certainly feel that from CapitalStackers. Jumping through hoops For a P2P lending site to get listed on 4thWay,…
Scott is a 4thWay reader to whom I am grateful since he takes the trouble to send us much needed feedback. (Hint hint. You can send your praise, requests and constructive criticism to allofus@4thway.co.uk. Thanks!) Scott just asked me if, in the light of new…
The safest type of lending is lending to borrowers who own investment properties. This means lending to landlords who own and rent out any of the following: Residential properties (houses and flats). Shops. Offices. Factories. Car parks. Workshops. Other land or properties. What makes investment-property lending…
Recently I was a bit confused about the difference between Assetz Capital’s various products, in particular when you want to get early access or get your money lent quickly. After asking Assetz Capital for clarity, I just want to quickly share this with you in…
Some P2P lending sites have to make changes to satisfy the financial regulator, which could mean you sometimes have to wait weeks before all your money is lent. The Financial Conduct Authority has frowned upon pre-funded loans in some cases. “Pre-funded” means that either the…
I fielded a call from a lender who wondered, only very mildly worried, about Funding Circle’s changes to its property loans, which it announced a short time ago. There are two changes. Some property loans to get a worse grade Funding Circle is going to…
I wrote this piece to give those of you new to Wellesley a little background to go with the recent sell alert from my colleague, Neil Faulkner, which you can read here. What Wellesley does Wellesley does development and bridging loans. It has four loans…
Neil Faulkner says that with low interest rates for lenders, less impressive loan book performance than similar competitors, increased risks from borrowing to lend and not enough of the right kinds of unambiguous information and data, he sets out his opinion that, if he was lending…
Crowdstacker is a brand spanking new P2P lending website that helps you lend to businesses. It offers you British businesses that: Are well established. Have a compelling business proposition. Pass Crowdstacker’s financial health checks, which includes fraud checks and checks on their market and industry trends…
