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UK P2P lending platforms still open to retail investors
Most of the platforms this blog reviewed between 2016 and 2019 are gone. The household names left retail lending entirely, and a dozen smaller ones went into administration. What is left is a much smaller sector, weighted heavily towards lending secured on UK property.
What is still open, as of September 2026
Somewhere between 35 and 40 FCA-authorised firms still accept money from retail lenders. The ones that come up most often:
Property secured lending. Kuflink, Loanpad, CrowdProperty, easyMoney, Proplend, CapitalRise, CapitalStackers, Invest and Fund, Somo, Relendex, Blend Network, Shojin, FutureBricks, Simple Crowdfunding, Housemartin, Nester. This is the bulk of the market now: bridging and development loans against buildings, with a first or second charge as security.
Business lending. Folk2Folk, rebuildingsociety, Crowd2Fund, Money and Co, JustUs.
Asset backed and specialist. Unbolted, which lends against personal assets. HNW Lending. AxiaFunder, which funds litigation. Lendwise, which lends to students on postgraduate courses. WiseAlpha, which is corporate bonds rather than peer to peer.
Green infrastructure. Abundance and Triodos, both of which sell debentures and bonds funding renewables and community projects rather than conventional peer to peer loans.
Every one of those names needs checking against the FCA register before you act on it, and being on the register tells you the firm is authorised, not that the investment is sound. Firms open and close to retail money without much announcement, and this list is a starting point rather than a verified directory.
How the profiles here work
One page per platform. Each starts with a fact box built from the platform's own published information: what it lends on, whether the loans are secured, the minimum investment, whether it offers an ISA, its FCA firm reference number, and the rates it advertises as targets.
Then the parts that decide whether you get your money back rather than the headline rate: how you exit, what the platform says happens to your loans if it stops trading, what the security is actually worth on a forced sale, and what its accounts look like.
There are no affiliate links on any of these pages and I have no commercial relationship with the P2P lending platforms themselves.
Profiles are being written one at a time and checked before they go up. The list below fills in as each one is finished.
Platforms still open to retail investors
No profiles are finished yet.