How it works
We connect creditworthy businesses looking for finance with people and organisations with money to lend. Our platform is more efficient and transparent than traditional lending, and we believe it’s a better system for everyone.
Investors use their online account to easily lend to hundreds of businesses looking to borrow.
We review applications and approve creditworthy businesses. We then pay out their loans and process repayments for investors.
Businesses make fixed monthly repayments with interest, which we distribute to all the investors who lent to them.
Invest with confidence
Diverse investments are an important part of planning for your future. We focus on delivering attractive, stable returns so you can reach your financial goals.
- Thousands of businesses borrow through our platform, so you can easily lend to hundreds of established businesses and build a diversified portfolio.
- Rigorous credit assessment so you lend to creditworthy businesses and loans perform in line with our expectations.
- We manage everything during the lifetime of a loan, so you’ll get repayments with interest in your account every month.
Remember, when lending to businesses your capital is at risk.
Interest earned since 2010. Correct as of 31st December 2017
The world needs small businesses
Across the globe, small businesses aren’t given the finance they need to grow. We’re here to change that, by making finance accessible, quick and simple.
- A streamlined application with no meetings or business plans, just a simple 10-minute form.
- Exceptional service with dedicated account managers, so you can focus on your business while we take care of your loan.
- A finance partner for life – so whenever you’re ready to take your next step, we’ll be here to help you with additional finance.
Created directly and indirectly
What makes us different
We know the best way to build trust is to be transparent in everything we do. Our performance history is always available, costs are straightforward and you can see where your money comes from, and goes to.
Technology and data is at the heart of our business, but our job is to make it work for you. There’ll be times when you want to speak to someone about your loan or investment, so our team are always on hand to help.
Built to last
Our regular stress tests show investors can still earn attractive returns in a downturn, and having a diverse investor community ensures there’ll always be funds to lend to businesses. Read more about us.
Are you a business owner?
Find out how we can help you take your next step with affordable finance.
- Unsecured loans up to £500,000
- Dedicated account manager
- No early repayment fees
Are you an investor?
Open your account today and you can start earning for your future.
- You can earn 7.2% per year
- Proven track record
- Easy to manage your online account
Remember, your actual return may be higher or lower, and when lending to businesses your capital is at risk.