UK P2P Lending Blog

Funding Secure Review

August 10, 2016March 20, 2017
by Neil

Funding Secure is a peer-to-peer lending platform which specialises in secured loans. By providing finance against the personal assets of borrowers (‘pawn loans’ or against property) investors have means to reclaim capital in the event of a default. Investors receive returns in the range of 9% to 13% per annum whilst borrowers pay a representative APR of 35.4%. Most loans are for 6 months and may either repay without penalty at any time or renew at end of term. Some loans have cashback offers and bonuses for large investments of up to 4% above the standard returns for general investors. Read more “Funding Secure Review” →

P2P Reviews

RebuildingSociety Review

August 9, 2016March 20, 2017
by Neil

Rebuildingsociety is a Leeds based P2B (peer-to-business) lending site which has funded around £10 million in loans since launching in late 2012. To borrow, businesses must meet certain requirements on trading history, turnover and credit rating. Here’s the founder talking about peer-to-peer lending recently: Read more “RebuildingSociety Review” →

P2P Reviews

AblRate Review

August 8, 2016March 20, 2017
by Neil

Ablrate is a peer lending platform which was founded in July 2014 to specialise in aviation related finance. Since then it’s expanded its remit to provide asset backed loans to a wider range of businesses. It is a relatively small platform with just over £16 million in completed loans, compared to something like Saving Stream with around £250 million or Funding Secure with £87 million. However, given the experience of the team in the aviation niche and the ability to access this type of financing, its definitely worth consideration for a diversified portfolio of P2P platforms. Read more “AblRate Review” →

Analysis

Do Property Partner Dividends Affect Prices?

August 3, 2016April 11, 2017
by Neil

Property Partner pays out dividends on net rental income for properties on the 5th of each month. How does this effect prices and the volume traded on the secondary market? If you’re looking to increase your investments, should you buy in the days leading up to the 5th or directly afterwards? The answer lies in the two contrasting forces: Read more “Do Property Partner Dividends Affect Prices?” →

Economy

An Introduction

July 29, 2016February 21, 2017
by Neil

Welcome to P2Pblog.co.uk: first hand experiences from an avid private investor. I’ve been actively investing my savings in the stock market over the last 5 years. Recent events and uncertainty over the future post-brexit economy have made me re-examine my investment choices and look at the emerging opportunities in P2P/’P2X’ investing. I’m starting this blog with a view to provide hard numbers and experiences for others interested in P2P lending. Read more “An Introduction” →

P2P Reviews

Growth Street Review

July 1, 2016June 1, 2017
by Neil

Growth Street provides secured lending facilities to UK businesses to help them with short term cash flow demands. Businesses borrowing through their ‘GrowthLine’ product pay a representative APR of 11% whilst lenders hope to earn 6.4% AER. Growth Street also offers to help businesses through its cash flow management and forecasting tool ‘Business Insights’. For me, Growth Street’s lending product is not quite as easy to get your head around as other platforms. They describe it as ‘a combination of a revolving credit facility (also called an overdraft alternative) and invoice financing’. From a lender’s perspective, loan terms are all 30 days and protected by a provision fund. Read more “Growth Street Review” →