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…
Visit Proplend* has only ever introduced one new type of loan in its seven-year history. Everything it has done over the years shows that it prioritises quality lending that it understands above rapidly growing its own business. For just the second time, it’s just introduced…
In assessing lending risks, it’s useful when you uncover contradictory information on a P2P lending company. So, today, I’m going to list a variety of very typical contradictions that we see, using real-life examples. I’ll help you learn how to spot them and give you…
Loanpad*, the bridging and development P2P lending company with the strictest lending standards in the industry, has tripled the total amount lent through its platform in 12 months to reach profitability in June 2021. It has reached this stage very quickly, as it only approved…
Every year, or so it seems, one of 4thWay’s specialists conducts an interview with a new head of credit at Proplend*. The 4thWay team then throws in some additional background research. Each time, the conclusion is that the key decision maker in the lending team…
I’ve looked through Lending Works Trustpilot reviews to find all the ones written in 2021 by its customers who have lent money. Trustpilot combines reviews from all customers, making it hard to distinguish between comments from its borrowers and lenders. The overwhelming majority of reviews…
Perhaps half of P2P lending companies in the UK offer bridging lending, so it’s an extremely popular type of property loan to lend in. It’s not only a very distinct kind of lending, but the risks vary massively between different providers. Today, I’m writing about…
Northern Provident Investments was a company I’d never even heard of that offered IFISAs. It recently shut down, possibly because it offered mini-bonds, which the FCA recently banned from mass-marketing. Clearly, it was small. It also seems likely it either didn’t offer P2P lending investments…
The UK annual inflation rate has risen to 3%, after dropping below the 20-year average of 2% (or, rather, 1.999%) for 21 months in a row up to April 2021. With many countries have recently seen rising inflation, and with nearby Germany recently reporting a…
Kuflink* is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest…
At 4thWay, we’re fascinated by the unusual nature of Rebuildingsociety’s loan book. No high-street bank dataset we’ve ever seen comes close to this kind of profile and nor do any other P2P lending companies. The loan book defies belief. Borrower grading has historically sucked. Bad…
This article covers: What is unsecured small business lending? When do small business loan bad debts occur? How and when do these loans make a profit? What do individual lenders need to do to reach a profit? How much does platform ability, borrower quality and…
