ArchOver* is now the latest established P2P lending site to introduce auto-lend combined with auto-diversification. The ArchOver Investment Plan, as it is called, does three very useful things, the third is about the type of diversification on offer, which is a feature that deserves expanding on….
Crowd2Fund*, the business loans P2P lending site, has now started to publish its full loan book with detailed information about every loan that has been made through its website. It’s fair to say I now understand Crowd2Fund far better than I did just two weeks…
New loans continue to include a high proportion of very attractive senior loans under 50% LTV. (If you don’t understand what that means for lenders, I’ll explain below.) HNW Lending acts rapidly to recover debts that might turn bad, which dramatically improves bad-debt recovery results….
Many Tesla bond investors are complete lunatics. Today, I read on CNN that Tesla bonds have fallen in price so much that anyone buying its bonds due for repayment in 2025 will now effectively earn 8.6% annual interest. (A falling price for selling your bonds…
4thWay user David Bradshaw had this question for us about Growth Street: “Firstly, I’d just like to compliment you on your excellent website as it’s been a helpful resource for me as I’m sure many others before me, on starting with P2P investments. I now…
Proplend has launched an auto-lend feature for its “tranche A” property loans, whether you lend through its regular account or its IFISA. Proplend’s tranche A loans are for a maximum of 50% of the property’s valuation. Many loans are against properties that are earning income for…
Greg, a 4thWay reader, has asked: “First of all, I must just say how much I’ve appreciated your website as I’ve gone about educating myself in the area of investing over the past few months. “My wife and I have just made our first P2P…
The collapse of a green-energy project that was crowdfunded to the tune of £3.9 million gives valuable lessons to individuals funding new and complicated infrastructure products through peer-to-peer lending sites. Here’s what happened followed by 10 lessons for lenders in future. What was the loan…
LendingCrowd’s Growth and Income peer-to-peer lending accounts, including the IFISA versions, have now earned “Excellent” 4thWay PLUS Ratings. Previously, just LendingCrowd’s Self Select lending account and IFISA had earned a rating. Why have these accounts been upgraded so soon? The two LendingCrowd* accounts have been…
When is a site allowed a rating? All P2P lending sites and P2P IFISA providers that supply enough information about themselves, and that have a long enough history, are assessed to see if they can earn a rating. We’ve listed the providers that have earned…
[orangebox title=”Page Summary – 2 Minute Read”] 4thWay’s credit-investment specialists, bank risk-modelling experts and investors first developed the peer-to-peer lending and P2P IFISA ratings system in 2014. 4thWay PLUS Ratings incorporate both the rewards – the interest you earn – as well as the biggest risk…
From now on, just Funding Circle itself and the partner it has commissioned, AltFi, will be able to access and assess the details of all the loans Funding Circle has ever made. Funding Circle has removed access to this powerful and important data for the…
As of today – the day we upgraded our ratings system – a new entrant to 4thWay’s PLUS Ratings is LendingCrowd. LendingCrowd* has completed over £34 million since 2014 in business loans and it offers an early exit if you are able to sell your…
Just for a bit of quick background on HNW Lending, it does short-term property loans and development loans, as well as asset-backed loans (see info box), to individual borrowers who are rich in assets and property. It pays around 6% to 10% interest. There have…
I’m very much in the “sell Wellesley” camp for the dozens of reasons mentioned in an article on Wellesley by one of 4thWay’s experts early last year, as well as in information elsewhere on the 4thWay site. At every turn, we encounter conflicting, ambiguous or…
IFISA and peer-to-peer lending website Crowd2Fund, which offers business lending, has this month started publishing a bit more information about how its loans have performed in the three years or so that it has been matching borrowers and lenders together. So I’m taking a look…
Peer-to-peer lending is lending directly to individuals or businesses, including, sometimes, property owners. IFISAs is usually the same, with the advantage that any interest you earn and gains you make are always tax free. However, there can be a minor catch to watch out for….
Peer-to-peer lending website Collateral UK went out of business in February 2018. It was quickly alleged to be operating without the correct permission from the financial regulator. It now appears to have appointed administrators, who we can expect to wind down the website and existing…
You probably think a better question is “Why on Earth would I want to do unsecured business lending when I can do secured lending? It’s a good question. Secured business lending, after all, means that you are lending to a business that has property, equipment,…
Secured business lending is when borrowers have to put up assets as collateral on their loans. Those assets protect the lenders – in this case, I mean individual lenders like you and me, using P2P lending sites. Assets are things of value like properties, machinery,…
