The Risks

Understand the Risks of Peer-to-Business Lending

Before you start to invest it's important that you fully understand the associated risks

Advice from One Lender to Another

What Are the Risks?

As with any investment there are risks associated with lending to businesses via a peer-to-peer platform. By understanding these risks and taking measures to mitigate the risks you can enjoy better returns compared to more traditional investment options.

Capital Risk

Economic Risk

Platform Risk

How We Manage Risk

Being one of the longest-running P2P platforms in the UK, our credit risk model has been through numerous iterations and improvements.

Our model takes into account thousands of data points to ensure that only the best businesses are approved.

We work with businesses as soon as we’re aware that they might be in difficulty so as to ensure the best outcome for our lenders.

  • Rigorous Credit Assessment
  • Collect Debts for You
  • Transparent Investment Profiles
  • P2P BuyBack Guarantee Option

Trustpilot Review

“My experience is that the staff at RBS chase outstanding and late payments assiduously keeping lenders informed and with a high success rate in bringing in debts.”

David on


Not Covered by the FSCS

Peer-to-peer lending is not covered by the Financial Services Compensation Scheme. If you're unsure about investing, you should seek advice from a professional finance advisor.

Returns May Vary

Over the course of your investments, your returns will vary, typically starting off quite high then reducing slightly over time to account for any fees or defaults, settling at the platform average.

Managing Your Returns

Ensure that you consider the possibilities

Depending on how you choose to lend via, whether it be through our automated lending tools or by choosing the businesses yourself, you should always consider the rate at which you are lending and ensure that this matches the risk.

Rates of return shown on the site are net return figures unless otherwise highlighted.

Your portfolio returns may be higher or lower.

Past performance is not indicative of future returns.