British P2P Investment Sites
Britain is currently the largest P2P investment market. There are many options, and it is possible to invest large sums into different types of loans, products and platforms. The table below lists all of the most important British P2P Investment sites (that are currently open to investors). We have not included every site – either because some have very low volumes, and we have concerns about their viability, or lending volumes because they are new and we are still monitoring them.
| Site | Loan types | Typical rates | Our view | Bonuses available | Learn more |
|---|---|---|---|---|---|
 | Bridge loans | 10-12% | Somo (previously known as Bridgecrowd) is currently one of the best P2P sites available. Loans are secured and offer high returns, and the team have a good lending track record. £5,000 minimum investment | £100 | Our review |
 | Development & bridge loans | 5-7.5% | Kuflink offers fairly simple, lower risk secured loans. In addition to the low LTVs, Kuflink also provides loss protection to investors equivalent to 5% of the loan amount, making it a good option for investors looking for lower risk investments. Extremely popular currently | 2%+ | Our review |
 | Developer loans | 8% | CrowdProperty provides finance to smaller British developers. The team have built a very good lending track record so far, based on having strong real estate expertise. Growing strongly | Our interview with CEO | |
 | Development & bridge loans | 8-12% | A new site that focuses on secured loans in the UK with high returns for investors. Blend mainly lends to small developers outside of London. Higher risk but the returns more than compensate for this in our view | 1% | Our review |
 | Development loans | 8-12% | Capitalrise is a high quality site that focuses on funding developments in 'super-prime' areas, such as West London. Interest rates are relatively high, and the track record has been good so far | Visit Capitalrise | |
 | Loans secured on residential real estate | 4-5% | Loanpad offers a fairly unique proposition in the British P2P market. Investors can choose from a classic account offering instant access, or a 60 day notice account at a higher rate. We think its an interesting, well structured P2P product. ISAs are also available | £50-100 | Our interview with CEO |
 | Litigation finance | 20-30% | AxiaFunder is a bit different to other sites but we think it is very interesting. They help to crowdfund litigation, and the returns depend on the outcome of the litigation. High risk/reward but worth taking a look if you have some funds you are willing to make some financial bets with, where the odds are in your favour | Visit AxiaFunder | |
 | Commercial real estate | 7.5-12.5% | Proplend has a strong management team that has established an excellent lending track record.Investors have the opportunity to choose from 3 different risk / LTV levels, which we think is a good idea | Visit Proplend | |
 | Development loans | 10-16% | CapitalStackers specialises in providing mezzanine loans that sit between the senior lender and the developer equity. LTVs are usually between 60-75%. This type of lending is higher risk but the team has a very good track record so far. The higher rates reflect the risk profile. Minimum investment of £5k per loan | Visit CapitalStackers | |
 | Real estate and high value items | 6-15% | Do you have a large amount of funds to invest? HNW Lending has a minimum investment of £10k per loan. They invest in each loan on a first loss basis and have an excellent record to date. Returns are strong relative to the risk | Visit HNW Lending | |
 | Bridge and development loans | 10-13% | FutureBricks is a small and fairly new site that is focusing on funding small property developments. It has big plans to grow over the next 12 months, as a result of a crowdfunding equity raise and partnerships with institutional investors | Visit FutureBricks | |
 | Bridge and development loans | 4-7% | Lendinvest requires all new investors to register as sophisticated / HNW. Although Lendinvest is a high quality platform, over time the returns for investors have fallen significantly, and better options have emerged. | Visit Lendinvest | |
 | Mortgages and bridge loans | 8-11% | LandlordInvest is very small site. The loans recently offered look fine, but we wonder how viable the platform is unless it finds a way to grow. In our view, many investors will find it too small and lacking in deal-flow | Visit Landlordinvest | |
 | Renewable energy and community housing projects | 4.5-12% | Abundance typically helps to fund renewable energy projects, but recently moved into social housing. Unfortunately there is only limited deal-flow. We like their eco-credentials, and the possibility to diversify into new asset classes, but wish they could grow and find more deals | Visit Abundance | |
 | Bridge and developer loans | 6-11% | Relendex is one of the smaller UK sites. It mainly focuses on smaller development loans. Not an attractive looking website, and limited deal-flow, but this site might be attractive for investors looking for higher than average returns secured on real estate | Visit Relendex | |
 | Business secured | 4.5-9% | Folk2Folk is focused on funding businesses in rural areas of England. The site has grown very strongly over the last 2 years. All loans are secured on property. It requires a minimum investment of £20,000 per loan, so this will only be suitable for high net worth individuals and family offices | Visit Folk2Folk | |
 | High value assets (jewellery, cars etc) and real estate | 6-12% | Unbolted is a fairly small platform that offers loans secured by pawned assets, and related specialist loans. These types of loans tend to often default but Unbolted has a good track record in fully recovering loan amounts by selling collateral | Visit unbolted | |
 | Bridge and development loans | 6.5-8% | Invest & Fund has become one of the larger British P2P sites, with over £200m of lending so far. It focuses on higher risk, higher return loans secured on real estate. Lending record has been good to date. | Visit Invest & Fund | |
 | Payday loans | 100%+ | The Money Platform provides short terms loans at very high interest rates. However there is no buyback or protection fund for investors. The Money Platform guides investors to expect a return of 9.5% on invested funds | Visit The Money Platform | |
 | Business loans | 11-20% | Rebuilding Society combines a terrible website, limited deal-flow, and a poor lending track record. It has been operating since 2013 but we really cannot understand how or why it remains in business | Visit Rebuilding Society |
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