About LendingCrowd

Edinburgh-based peer-to-peer platform LendingCrowd was launched in October 2014 with the intention of offering businesses better loan rates. To date, over £9 million has been lent through the LendingCrowd platform to companies and sole traders in the UK. In addition, LendingCrowd has entered into a ground-breaking initiative with the investment arm of Scottish Enterprise, Scottish Investment Bank (SIB), which sees almost £3 million worth of additional investment being made available across our peer-to-peer (P2P) lending platform. It’s aimed at funding the growth of Scotland’s most exciting SMEs.

Borrowers are British Businesses, typically Limited Companies or Sole Traders, seeking between £5,000 and £250,000 from 6 months to 5 years. Each is given a credit rating by LendingCrowd’s credit team, and then placed on the market.


Pros...

  • High potential returns.
  • The Loans Marketplace allows investors to bid on new loans or purchase existing loan parts.
  • Interest is paid back monthly.
  • One of the new Innovative Finance ISA providers
  • Options to both select manually and automatically diversify depending on your needs

Cons...

  • LendingCrowd charges investors a fee of 1% of their annual investment.
  • Your capital is at risk.
  • LendingCrowd is not covered by the FSCS.

Provision funds and insurance

LendingCrowd has no provision fund.

Key Data

  • Amount Lent/Invested: £9m
  • No. UK Investors: 2.6k
  • Expected Bad Debt Ratio: 0.9%%
  • FCA Regulated?
  • Who chooses borrowers? Investor
  • Investment secured on Business Loans
Invest with LendingCrowd

Innovative Finance ISA

  • Potential Return:

       6%*
  • Term:

      Bespoke Term
  • Min. investment:

       £1,000
  • Secured on:

       Business Loans, Business Assets
  • Provision Fund:

       No
  • Early exit:

       Yes

The 6% target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee.


Growth Account

  • Potential Return:

       6%*
  • Term:

      Bespoke Term
  • Min. investment:

       £1,000
  • Secured on:

       Business Loans, Business Assets
  • Provision Fund:

       No
  • Early exit:

       Yes

The 6% target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee.


Self-Select Investor Account

  • Potential Return:

       8.1%*
  • Term:

      Bespoke Term
  • Min. investment:

       £20
  • Secured on:

       Business Loans
  • Provision Fund:

       No
  • Early exit:

       Yes

It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future. The average return is compounded and before tax.


Your capital is at risk if you lend to businesses. Peer to peer lending is not protected by the Financial Services Compensation Scheme. Please read our full risk warning here.