Making investing simple

LendingCrowd gives its Investors the opportunity to lend to a wide range of small UK businesses and earn interest rates from 5.95% to 12.25%. Remember, your capital is at risk.

Sign Up As An Investor

Becoming an Investor is easy. Create your account and complete the LendingCrowd Know Your Customer checks using a passport or drivers licence.

Transfer Your Funds

Before you can invest in businesses, you must have funds in your account. LendingCrowd allows investors to load funds in a number of ways, through a bank transfer or with a debit card. Once the funds have cleared, they are added to your account and you are ready to invest.

Pick The Business Right For You

The Loan Market is where the latest businesses available to lend to can be found. Each company approved by LendingCrowd undergoes a thorough credit process, and is awarded a Credit Band to guide your investments. A company’s Credit Band gives an indication of the risks and rewards associated with investing in each business.

Credits Bands:

Investment Returns:


Returns from 5.95%


Returns from 7.95%


Returns from 8.95%


Returns from 10.35%


Returns from 12.25%

Meet the team that credit checks every business on the LendingCrowd Loan Market.

Ian Cunningham

Head of Credit

Helen MacKay

Senior Credit Risk Specialist

Donald MacKinnon

Credit Risk Specialist

Learn more about how we make our Loan Decisions here.

The Bidding Process

Has a business caught your eye? Select the amount you want to invest and the interest rate you’d like to receive. Once you submit your bid, you’ll compete against other Investors to fill the loan. Once the loan is filled and accepted by the borrower, the final rate of return will be calculated using an average of all the bids submitted. Be careful, you can be knocked out of a loan if your bids aren’t competitive enough - make sure you keep an eye on your bids!

Diversify Your Investments

Diversification is key to a healthy investment portfolio. Spreading your investments across a range of Credit Bands is the safest way to avoid bad Debt.

Risk vs Return:

Using The Loan Exchange

The Loan Exchange allows users to buy or sell loan parts, giving more flexibility to your investments. You can further diversify your portfolio by investing in different loans or sell your own loan parts to other LendingCrowd investors. When you buy a Loan Part, you start earning immediately as the business has already been funded by LendingCrowd Investors.

Receive Your Money

Receive monthly payments from each of the businesses you have invested in. LendingCrowd’s fees are deducted, the equivalent of 1% of the investments made.

Investing in a business has never been so simple!
But don’t forget, your capital may be at risk.

or learn more about how we make our Loan Decisions.


  1. A return on your investment of 5.95% to 12.25%*

  2. You choose the type and size of UK businesses you wish to invest in

  3. Diversify your portfolio

  4. Clear fees - 1% annual fee on the amount of money you have lent

*Remember, your capital is at risk

Types of Investment

  • The Loan Market
    The Loan Market gives lenders the opportunity to invest in the latest loans available on LendingCrowd.

  • The Loan Exchange
    The Loan Exchange gives lenders the opportunity to invest in businesses they may have missed. From here, you can buy or sell loan parts allowing you to further diversify your portfolio.

Have any questions?

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Investor Guide

Sign up for updates and we’ll send you a free guide to getting started.

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Investor FAQ

The most frequently asked questions by our loyal investors.

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Visit our Help Center

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

If you invest through LendingCrowd you should understand that as a lender, your capital may be 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 2017. All rights reserved.

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