Investment Rates & Fees

No Primary Marketplace Fees

Unlike with many other investment forms — and a large number of other peer-to-peer lending platforms — individual lenders don’t incur any charges, except a small administration fee if you decide to sell your loan.

Investment Returns

Loans are graded from A+ to C, with C being the most risky type of loans and A being the least risky. We don’t accept any borrowers who do not meet at least our C-rated score criteria.
When bidding for a loan to invest in, the maximum rate of interest that you can bid for will be determined by the risk band allocated to the loan, as follows:

  • C: 20% and under
  • B: 17% and under
  • A: 14% and under
  • A+: 11% and under

You can choose the rate you want to lend at within these bands.


0.50% sale fee

If you decide to sell a loan part, there is a 0.50% sale fee based on the outstanding capital, which is payable once your loan part is sold. For example, if you sell a loan part with £100 principal remaining, the sale fee would be £0.50 once the loan part sells. No charges apply if a loan part is not sold.

Invest in UK businesses

  • Earn an average gross yield of 8.4%*
  • Support small businesses
  • Earn a passive income
  • Secure loans over £50k
  • We collect & recover
  • Unrepaid capital is at risk of arrears & default
  • Cashback incentives
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Need a business loan?

  • Lower cost business loans from real people
  • Quick and easy business funding
  • Apply within 15 mins
  • Borrow £25k to £300k
  • Get funds in 2-3 weeks
  • 6 – 60 month terms
  • Quick decisions
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