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Investing with LendingCrowd

LendingCrowd offers peer-to-peer investors the opportunity to lend to British businesses and earn a target rate from 5.6%* a year or more. Remember your capital is at risk when you invest.

Sign up as an investor

Becoming an investor is easy. Create your account and complete the verification check using your passport or driving licence.

Choose your account

LendingCrowd offers a range of accounts for different ways to invest. All can be held within our Innovative Finance ISA (IFISA) for tax-free** returns.

  • The Growth Account is aimed at investors who want a quick and simple method of creating a diversified portfolio of asset-backed P2P loans. It automatically diversifies your investment across the loans available on our Loan Market and the minimum investment is £1,000. Your interest and capital repayments are reinvested in additional loans, diversifying your investment further.
  • The Income Account is for those seeking to generate a consistent level of income from a lump sum without eating into their capital. Like the Growth Account, your minimum investment of £1,000 is spread across our Loan Market. The key difference is your interest transfers to a separate account for you to withdraw – with no fees – while your capital repayments reinvest automatically.
  • The Self Select Account is for experienced P2P investors who have the time to hand-pick which businesses they want to lend to, making sure borrowers match their appetite for risk. To achieve good returns, you’ll need to reinvest your capital and interest repayments on a regular basis. The minimum investment is £20 and you can lend to businesses at rates between 5.95% and 14.25%*** based on our Credit Bands.

Read more about the different accounts.

Add your funds

Whichever account you choose, you need to add funds to your account before you can get started. You can do this by debit card or bank transfer. If you choose to invest in our IFISA, you can also transfer existing ISAs to us.

Invest in British businesses

If you’ve opened a Self Select Account you can choose your investments in our Loan Market, where there are two types of loans listed.

  • New loans go into an auction where investors choose how much they’d like to lend and at what interest rate.
  • Existing loans can be bought from other investors. There’s no bidding involved and you can invest instantly.

If you’ve opened a Growth Account or an Income Account, your funds will be invested on your behalf across all the loans available on our Loan Market. If your portfolio value is between £1,000 and £1,999, no more than 2% of your funds will be invested in any one loan. This maximum target exposure reduces to 1% for portfolios of between £2,000 and £4,999, and to 0.5% for portfolios of £5,000 and above.

Your investments repay monthly

When you invest with a Self Select Account, you’ll receive monthly repayments of capital and interest from each of the businesses you’ve lent to. You can then reinvest this money into other loans to keep earning returns.

Repayments into a Growth Account or Income Account will be automatically reinvested into other loans for you, continuously diversifying your investment portfolio and ensuring that your money keeps working for you. If you’ve chosen the Income Account, your interest payments will be transferred to a separate account for you to withdraw.

*As an investor, it’s important to remember you’re lending to businesses so your capital is at risk. The target rate is variable, net of ongoing repayment fees, estimated bad debt and before the 1% capital withdrawal fee. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

**Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

***Investors can lend at rates between 5.95% and 14.25% based on LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan. Higher risk investments may yield greater returns but can also lead to lower returns if the business can’t fully repay its debts. This is known as bad debt. Find out more at our Risk matters page.


  1. Low minimum investment

  2. Easy account opening

  3. Low, transparent fees

  4. Diversify your portfolio

*Remember, your capital is at risk

Types of investment

  • Growth Account
    Create an automatically diversified portfolio of business loans with one click. Target return 6%*

  • Income Account
    Take an income from your loans while your capital automatically reinvests. Target return 5.6%*

  • Self Select Account
    Invest in loans you choose through our Loan Market and lend at rates from 5.95% to 14.25%***

Have any questions?

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Investor guide

Download our guide to LendingCrowd and peer-to-peer investing.

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Investor FAQs

The most frequently asked questions by our loyal investors.

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Visit our help centre

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

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 2019. All rights reserved.

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