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Choose your lending strategy

Tax free

Growth IFISA

The LendingCrowd
Growth IFISA.
Capital at risk. No FSCS protection.***

Use the Innovative Finance ISA to lend with a LendingCrowd Growth Account. Contribute up to £20,000 a year with no tax to pay* on your returns. Monthly repayments automatically lent out.

Tax free

Income IFISA

Repayments lent out automatically,
income paid from your interest.
Capital at risk. No FSCS protection.***

Use the Innovative Finance ISA to lend with a LendingCrowd Income Account, and pay no tax* on the interest received as income. Repayments are automatically lent out.

Tax free

Self Select IFISA

Choose who to lend to, at rates from 5.95% to 14.25%**.
Capital at risk. No FSCS protection.***

Use the Innovative Finance ISA to lend with the LendingCrowd Self Select Account and earn tax-free returns*. You decide which businesses to lend to, using the LendingCrowd Loan Market.

Why lend to businesses with LendingCrowd?

How does it work?

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Choose your account

To get started, choose the account that best suits your lending approach

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Set up your account

Setting up your account is easy – you can do it all online quickly and simply

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Start lending

Once you’ve registered, add funds to your account by bank transfer or debit card

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Earn returns

Receive monthly repayments of capital and interest on your business loans

Minimising risk

Our Credit Team reviews every borrower application made to LendingCrowd. This means only established businesses and those assessed as creditworthy are able to borrow through our platform. However, please remember that your capital is at risk when lending to businesses.


As a lender, your capital is at risk

It’s important to remember there’s a possibility that a business may not be able to repay its loan. If a loan is declared a default and there’s no clear indication of how and when we’ll receive the payment, we’ll take recovery action. This can involve forcing the sale of assets through a legal process, which can take time. While we’ll make every effort to recover as much capital as possible, you should remember that you may not receive all the money you lent.


Minimise your risk – diversify

Diversifying your portfolio is the best way to help manage risk. In other words, don’t put all your eggs in one basket. Our Growth Account and Income Account automatically create a diversified portfolio of business loans for you.

By spreading your lending across as many businesses as possible on the Loan Market, throughout a range of Risk Bands, you’ll reduce the impact of bad debt if any individual business is unable to repay its loan.

Have any questions?

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How it works

Lending to businesses with LendingCrowd.

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Lender FAQs

The most frequently asked questions by our loyal lenders.

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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 2022. All rights reserved.

Best P2P Business Lender ICAS