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LendingCrowd is a peer-to-peer lending platform, enabling small businesses the length and breadth of Britain to raise funds from our community of lenders.

Borrowers join LendingCrowd to raise money for lots of reasons. Every business that submits an application is assessed by our Credit Team, who determine whether the business is creditworthy. By the end of the assessment, every business is allocated with a Risk Band. Successful businesses are placed on the Loan Market.

Investors can then lend to businesses on the LendingCrowd Loan Market. To do this, lenders load funds to their LendingCrowd account, which is used to place bids on available business loans. With our Growth Account and Income Account, funds are automatically lent out on behalf of lenders. With our Self Select Account, lenders decide which businesses they want to lend to, using our Loan Market to bid at the rate they choose.

The borrower receives the money they need once the loan is filled and accepted. When the business starts paying back the loan, lenders begin receiving monthly repayments based on the overall average interest rate that was bid for the business.

Lender benefits

  • Make your money work harder
  • Wide range of lending opportunities
  • Support ambitious British businesses
  • Low, transparent fees

Borrower benefits

  • Borrow £5,000 to £500,000
  • Terms from 6 months to 5 years
  • Quick lending decision
  • No fees for early repayment

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Guides

Find out more about LendingCrowd and peer-to-peer lending.

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FAQs

The most frequently asked questions by our lenders and borrowers.

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Visit our Help Centre

or call us on
0345 564 1600
and we’ll be happy to help.

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When lending to businesses, it’s important to remember that your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

If you invest through LendingCrowd you should understand that your capital is at risk.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Read more about the risk involved when investing and borrowing.

The company's registered office is 23 Manor Place, Edinburgh, EH3 7DX.

Copyright © LendingCrowd 2020. All rights reserved.

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LendingCrowd is working with the British Business Bank to help deliver CBILS loans to SMEs affected by the Covid-19 pandemic. Find out more: