Funding Circle

P2PFA Representative: James Meekings Co-founder  Funding Circle is the UK’s largest and world leading online marketplace for business loans. Funding Circle enables individuals and organisations to directly lend to creditworthy small businesses, sidestepping the banks and supporting the core of the economy. Since launching Funding Circle has helped businesses borrow more than £1 billion in the UK; investors include 45,000 individuals, the Government-backed British Business Bank, local councils, Huddersfield University and a number of financial institutions.  For further information see

Landbay Logo 2015


P2PFA Representative: John Goodall, Co-founder and CEO.  Landbay launched in 2014 with a mission to create a simple savings alternative. Lenders can benefit from the resilient UK residential buy-to-let market from just £100 and monthly interest is paid our via Fixed and Tracker rates. Borrowers get fast, rational decisions and competitive mortgage rates. Risk mitigation includes auto-diversification of savings, stringent lending criteria, partnerships with leading brokers and the Landbay Protection Fund.  Please visit to find out more

Lending Works logo

Lending Works

P2PFA Representative: Nick Harding CEO Lending Works is an online marketplace for lenders and borrowers, offering great returns to lenders and low cost, flexible personal loans to borrowers. By cutting out the large financial institution in the middle, both receive a much better deal. Lending Works is the only peer-to-peer lending platform which has insured against the risk of borrower default, fraud and cybercrime in order to provide market leading lender protection.
For further information see

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P2PFA representative: Christian Faes Co-founder: LendInvest is an online marketplace for short-term property lending and investing. Since launching in spring 2013, the company has lent over £500m to property entrepreneurs and developers seeking fast and flexible mortgage finance. All loans are secured by a registered first change against UK property and have consistently provided returns to investors of between 6 and 9% per annum. For further information see



P2PFA Representative: Anil Stocker CEO  MarketInvoice is a cash flow finance provider for small businesses in UK and Ireland. The online service lets businesses raise funds by selectively selling their invoices, contracts or licences direct to investors. Businesses use MarketInvoice to smooth cash flow and fuel their growth. Businesses can apply and receive up to £1 million in funds in under 24 hours. There are no long contracts, personal guarantees or hidden fees to worry about.  For further information see:



P2PFA Representative: Rhydian Lewis CEO – Launched in 2010, RateSetter is proud to be a founding member of the P2PFA. The company pioneered a number of firsts in the P2P industry, including the Provision Fund concept which has ensured that no individual RateSetter investor has lost a penny. Uniquely, in the RateSetter market the interest rates are set by investors and borrowers, not by committees or banks. Individuals, businesses, financial institutions, schools, charities and the British Business Bank are amongst those investing through RateSetter, all at the same rates. Individuals, businesses and property developers are amongst RateSetter’s borrowers. RateSetter launched in Australia in 2014.  For further information on RateSetter, visit



P2PFA representative: Kevin Caley Chairman.  ThinCats is Europe’s largest peer-to-peer marketplace for secured business loans.  Members can lend to a range of UK businesses, diversified by sector, region and duration, for £1000 or more. This allows lenders to either select their preferred areas from a broad base, or to build a diversified – and therefore lower risk – portfolio of ThinCats loans.  ThinCats provides a monthly, competitive rate of interest to its lenders, and in the process supports the growth of UK businesses.
ThinCats has a unique business model: it only offers secured business loans, and all loans are introduced and monitored through its network of expert Sponsors.  Members also benefit from the ThinCats forum, where experienced lenders analyse the merits of each individual loan. We call this ‘crowd due diligence’.  We believe the information available to our lenders and the ability to question and discuss this creates a transparency that is unmatched in the alternative lending market.  For further information see



P2PFA Representative: Giles Andrews Executive Chairman Zopa created peer-to-peer lending back in 2005 & is Europe’s largest P2P lending business. Zopa has lent more than £1.2bnm & returned over £60m in interest to its lenders. Zopa has over a 2% market share in UK personal loans & has helped over 250k consumers get a better deal on their money. So far, over 60k lenders have trusted us with their money to earn great returns & over 150k sensible borrowers are currently using us to get a low-cost loan. Zopa is a founding member of the P2PFA.
For further information see