Why Invest with LendingCrowd?

How does it work?

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Set up your account

Getting started is easy. Sign up as an Investor and transfer funds to make your first investment.

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Start investing

Bid on a loan at the rate right for you or invest in loan parts that are available to buy immediately in the loan exchange.

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Close the deal

Once a loan reaches its target, the most competitive bids are accepted and your investment is made! Or if you have bought a loan part your investment is instant.

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Get your money

Receive monthly payments from each of the businesses you have invested in.

The Loan Market

For exciting investment opportunities visit LendingCrowd’s Loan Market.
The great part is that you get to lend only to established and creditworthy businesses through our platform. They have all successfully passed our stringent credit process.


Minimising Risk

With over 100 years of combined experience, our Credit Assessment Team review every borrower application made to LendingCrowd. This means only established, creditworthy and safe businesses are able to borrow through our platform. However as with all investment opportunities, there are risks involved.

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As an Investor, your capital is at risk

It is important to remember that there is the possibility that a business could not be able to fully repay its loan.

This is known as Bad Debt and while LendingCrowd has a recovery system in place, you may not receive back all the money you invested.

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Minimise your risk. Diversify.

Diversifying your portfolio is the best way to manage risk. But what does it mean?

By spreading your investments across as many businesses as possible on the Loan Market, throughout a range of Credit Bands, you will reduce the impact of Bad Debt if a business fails to repay its loan

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
0131 564 1600
and we’ll be happy to help.

Featured In

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As an Investor it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an Agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

*The current estimated return is an estimate of the annual (October 2015 to October 2016) return after fees and estimated bad debts that investors could earn. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future. The average return is compounded and before tax.

*Investors can earn between 5.95% and 12.25% or more based upon LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan in which you choose to invest. Higher risk investments may yield greater returns but can also lead to lower returns if the business is not able to fully repay its debts. This is known as Bad Debt. To know more about Credit Bands and how this is related to investment returns, visit the How it works page.

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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