Specialist P2P loans
What is a specialist P2P loan? It means that the lenders specialise in a particular niche or type of loan. Some lenders provide invoice financing, where the loan is secured against a future payment from a customer. Others offer loans secured on high value assets such as sports cars, jewellery or artwork. Other asset classes include renewables (solar/wind) and financing insurance premiums.
| Site | Primary loan types | Typical rates | Our view | Bonuses available | Lean more |
|---|---|---|---|---|---|
 | Equipment finance | 10-14% | HeavyFinance is based in Lithuania. It looks promising. HeavyFinance offers loans secured on heavy machinery such as tractors and other farm equipment. A new site but the team behind it have a track record in both P2P and equipment finance. Strong yield and an interesting asset class | Our review | |
 | 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 | |
 | Cars, aircraft, jewellery | 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 | |
 | Loans secured against invoices | 8-10% | Investly offers investors loans secured against invoices. Its volumes are split between the UK and Estonia. The site is very small (€2 million of lending per month) but it is developing a reasonable lending track record. However it is a time consuming process to keep funds invested on the platform | Visit Investly | |
 | Renewable energy projects | 4.5-12% | Abundance typically helps to fund renewable energy and other carbon reduction projects. Unfortunately there is 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 | |
 | High value assets (jewellery, cars etc) and real estate | 8% | Unbolted is a fairly small British platform that offers loans secured by assets such as artworks, gold and jewellery. | Visit Unbolted |
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