Lower risk P2P investments
We believe that the platforms below provide the lowest risk P2P investments available currently. All P2P investments and products carry risk. However the products below offer features such as protection funds, buybacks, low default rates, lender subordination and other features that reduce the risk of losing money. At the moment all the sites listed are British. European sites currently tend to be more focused on higher risk and return products and loans, but we expect that to change in the future.
| Site | Location | Loan types | Typical rates | Our view | Bonuses available | Learn more |
|---|---|---|---|---|---|---|
 | UK | Bridge loans | 5-7% | Kuflink's loans are secured on British real estate at fairly conservative LTVs. It also provides first-loss protection to investors equivalent to 5% of the loan amount. We think Kuflink is a great option for investors looking to take less risk but still earn a reasonable return | £100 | Read review |
 | UK | Business loans secured with real estate | 4-6% | Assetz Capital has established a good lending record to date, and their 'Property Secured' Account will suit investors with a lower risk threshold. One of the largest and most successful British P2P sites | £50 | Visit Assetz Capital |
 | UK | Loans secured on real estate | 6.9% | Proplend's auto-lend product spreads investor funds across multiple loans and is only invested into 'A' tranche loans, where the maximum LTV is only 50%. Proplend has a good lending track record making this one of the safer P2P options | Visit Proplend | |
 | UK | 'Super senior' loans secured on real estate | 4-5% | Loanpad offers one of the lowest risk P2P products we have seen so far. Investor funds are diversified against a pool of loans that are all secured on real estate, and their investments effectively have a 'super senior' ranking. Suitable for investors looking for low risk but with still a reasonable level of return | Our interview with CEO | |
 | UK | Loans secured against invoices | 6-8% | Archover has a good lending track record. Loans are mainly secured against invoices which are insured. This is a slightly more complex type of product for investors to understand, but we think that the returns are quite strong relative to risk, and worth considering | Visit Archover |
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