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 ability to repay.

Engage in open dialogue

At LendingCrowd we believe talking to our borrowers is key to making safe decisions. Our credit team gets to know each business and will only lend where businesses have a clear ability to repay.

Understand borrower needs

We strive to understand each business that we lend to. Knowing what a loan is needed for and understanding how the money will be used gives our credit team flexibility in making decisions. Understanding the Borrower’s needs helps us to build strong, mutually beneficial relationships for the longer term.


LendingCrowd seeks to develop effective security arrangements for each business loan. Security is reflective of the Borrowers circumstances and the loan size requested, giving them and Investors peace of mind. We take a range of security types to protect the interests of our Investors but will be mindful of the owners circumstances and the nature of the business.

Factor 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 you need to have 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.


LendingCrowd asks for 2 years filed accounts to be submitted.

Business Pitch

Pitch your business to potential investors. Learn more by reading our Borrower Guide!

Have any questions?

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The most frequently asked questions by our loyal investors and borrowers.

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0345 564 1600
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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.

LendingCrowd is a credit broker and not a lender.

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

Copyright © LendingCrowd 2018. All rights reserved.

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