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How we make our lending decisions

At LendingCrowd, we take a case-by-case approach to our lending decisions. Our Credit Team takes a flexible approach to loan offers that evaluates your business individually.

Focus on business potential

At LendingCrowd, we focus on the potential of every business. We look at the business plan and financial information to determine the creditworthiness of the business and its ability to repay.

Engage in open dialogue

We believe that talking to our borrowers is key to making safe lending decisions. Our Credit Team gets to know each business and will only lend where borrowers have a clear ability to repay.

Understand borrower needs

We strive to understand each business that we lend to. Knowing why is needed and understanding how the money will be used gives our Credit Team flexibility in making decisions. Understanding your needs helps us to build strong, mutually beneficial relationships for the longer term.


We seek to develop effective security arrangements for each business loan. Security reflects your circumstances and the loan size requested, giving you and our lenders peace of mind. We take a range of security types to protect lenders’ interests but will be mindful of your circumstances and the nature of your business.

Factors influencing the lending decision

Try to avoid

Weak cashflow

Known industry sector challenges

High level of borrowing on the balance sheet

Marginal or poor credit history

Good to have

Cashflow indicating ability to repay

Proven management ability

A strong and considered business plan

Positive business and industry indicators

What do I need to apply?

To make your application with LendingCrowd as quick and easy as possible, you’ll need the following information close to hand:

Management information

Tell us about your business, current loans or overdrafts and financial needs.

Owner information

Please provide details for each of the owners/directors of your business.


We’ll need you to submit 2 years’ filed accounts to assess your application.

Business pitch

Pitch your business to potential lenders. Learn more in our Borrower guide.

Have any questions?

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Download our guide for borrowers.

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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.

Icon warning

As a borrower, it’s important to remember that defaulting might lead to the debt being passed to an agency for collection. Lenders need to be mindful that they’re lending to businesses so their capital is at risk. 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 2022. All rights reserved.

Best P2P Business Lender ICAS