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P2P lending companies' financial health is of great interest to lenders and of course to us at 4thWay. If a P2P lending company is already making money then it lowers the risk that it's going to close. Closure can cause you uncertainty about your loans, as they are wound down and repaid to you. While more and more providers are turning profitable, there are three that stand out as in particularly good financial health.

By Neil Faulkner, 4thWay Head of Research on 13th October, 2023 | Read more by this author P2P lending companies often want and need to fund loans through institutions or a collection of especially wealthy investors, who earn better rates and terms for the privilege. That lending is over-and-above the usual lending through online lending platforms. You can take a big part in this extracurricular lending yourself: get higher interest rates in the same loans and deploy more cash.

Last month, Halifax forecast 8% falls in property prices to come in 2023, taking prices back to April 2021 levels. Nationwide also logged a fourth month in a row of price falls in December. Let me put this bluntly: all of that is of no use whatsoever in making your lending and investing decisions. There are no reliable forecasters I used to keep a database of dozens of popular forecasters on the property market, gold prices, oil prices, the stock market, interest rates, and more.

Out with the old, in with the new! While some lending businesses make the switch into P2P lending, others switch away to another business model. Assetz Capital announced that it was doing the latter just a few weeks ago. Lenders in P2P have made a lot of money from platforms that have moved out of P2P lending. Typically, lenders earn more money in the earlier years of a P2P lending provider's existence.

By Jane Rey on 21st November, 2022 | Read more by this author It's about taxes, so I'll be brief! Less P2P lending due to frozen personal allowances The income-tax personal allowance of £12,570 will be frozen until 2028! This will mean less disposable income available for lending. More people will pay a 45% tax rate and lose their personal savings allowance From April 2023, you'll be an additional-rate taxpayer if you earn over £125,000. This is down from £150,000. This has two affects.

By Matthew Howard on 19th November, 2022 | Read more by this author We don't get soooo much interest from 4thWay readers when we write about the social and environmental impacts of P2P lending. Our focus is on the risks, rewards, growing your wealth, or earning an income from money lending. Understandably, that's what you're most interested in.

What are the best Innovative Finance ISAs? The best innovative finance ISAs are these six, which offer a market-leading risk-reward balance: Proplend IFISA. CrowdProperty IFISA. Invest & Fund IFISA. Kuflink IFISA. CapitalRise IFISA. Loanpad IFISA. Why are these the best Innovative Finance ISAs? I have pulled out all of the IFISAs on the market that meet exceptionally high standards, with extremely good prospects for lenders.

By Matthew Howard on 8 December, 2021 | Read more by this author Here are your best alternatives to Zopa, now that it's converting to a bank from P2P lending. (Read The Real Reason Zopa Is Closing Its P2P Arm.) Zopa was the oldest P2P lending company in the world, founded in 2005, with an exceptional record. Most lenders made money every year and it lent billions of pounds. Who on Earth can replace it?

By Neil Faulkner, 4thWay Head of Research on 7 December, 2021 | Read more by this author Zopa has closed its P2P arm to focus on its bank. Zopa wrote to its customers: “Sadly, over the last few years, customer trust in P2P investing has been damaged by a small number of businesses whose approach led to material losses for customers investing in those platforms.