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Choose your investment strategy

Growth Account

Create your investment portfolio
in one click

You decide how much to invest, we take care of the rest. We’ll automatically diversify your investment across a range of loans with a target annual growth rate of 6%*.

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Income Account

Repayments reinvest automatically,
income paid from your interest

Your funds and capital repayments automatically invest across a range of loans, while your interest is transferred to a separate account for you to withdraw. Target rate 5.6%*.

Tax free

Self Select Account

Choose who to lend to, at rates from 5.95% to 16.25%***

You decide which businesses to invest in from the LendingCrowd Loan Market. Bid at the rate you choose. Receive monthly capital and interest payments when the borrower repays.

Why Invest with LendingCrowd?

How does it work?

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Choose your account

To get started, choose the account that best suits your investment 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 investing

Add funds to your account by bank transfer or debit card.


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Earn returns

Receive monthly repayments of capital and interest


Minimising Risk

With over 80 years of combined experience, our Credit 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’s important to remember that there’s a possibility that a business may 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 help manage risk. In other words, don’t put all your eggs in one basket.

By spreading your investments across as many businesses as possible on the Loan Market, throughout a range of Credit Bands, you’ll reduce the impact of bad debt if a business can’t 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. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

*Capital at risk. Target rate variable, net of ongoing repayment fees, estimated bad debt and before the 1% capital withdrawal fee.

**Capital at risk. Investors can lend at rates between 5.95% and 16.25% 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.

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 2018. All rights reserved.

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