Live · 25 Feb 2026 · 15:59 GMT
Lent this month
£14.2M
Bank savings pay 4.5% · Our investors average 9.1%
Verified borrowers. Regulated platform. Direct returns — no bank skimming the margin.
12,400+
Active investors
18 mo
Avg. loan term
0.8%
Default rate
SCROLL
INVESTOR QUESTION #1
"Why would I earn more here than a savings account?"
Because banks borrow your money at 4.5% and lend it at 7–9%, pocketing the spread. Lend removes the intermediary. You become the bank.
SORT BY:
| Product | Annual Return↓ | Liquidity | FSCS Protected | Min. | Risk |
|---|---|---|---|---|---|
LendLIVE P2P Lending | 8–12% | 3–5 days | — | £100 | Medium |
Stocks & Shares ISA ISA | ~7% (historical) | 3–10 days | ✓ | £500 | High |
FTSE 100 Index Fund Index Fund | ~6.8% (10yr avg) | 1–3 days | ✓ | £100 | High |
Fixed-Rate Bond 2-Year Bond | 5.1% | Locked 2yr | ✓ | £1,000 | Very Low |
High-Street Savings Easy Access | 4.5% | Instant | ✓ | £1 | Very Low |
Cash ISA ISA | 4.2% | Instant | ✓ | £1 | Very Low |
* Lend is not FSCS protected. A Provision Fund covers defaults — see Risk section below.
Start Earning 9.1%No fees to invest · Withdraw in 3–5 days · Min. £100
BORROWER QUESTION #1
"Is the APR actually competitive?"
High-street banks charge more and take longer. We make a credit decision in 24–48 hours using Open Banking data — no six-week wait, no branch visits.
APR COMPARISON:
| Lender | APR Range | Approval | Max Loan | Fees | Credit Check |
|---|---|---|---|---|---|
Lend P2P Platform | 6.9–14.9% | 24–48 hrs | £500,000 | 1.5% origination | Soft + Open Banking |
Starling Challenger Bank | 9.5–16.5% | 2–5 days | £150,000 | 1.5–2% | Hard credit check |
Barclays High-Street Bank | 8.9–21.9% | 2–5 weeks | £300,000 | 2% + admin | Hard credit check |
HSBC High-Street Bank | 9.9–22.9% | 3–6 weeks | £250,000 | 2–3% + legal fees | Hard credit check |
Funding Circle P2P Business | 7.9–29.9% | 1–3 days | £500,000 | 2.5–4% | Hard credit check |
Iwoca Fintech Lender | 13.9–39.9% | Same day | £500,000 | None | Soft check |
Apply for a Business LoanSoft credit check only · Decision in 24–48 hrs · No broker fees
GET STARTED
Are you investing or borrowing?Tell us about your business
Lend serves both sides of the market. Tell us where you sit.A 2-minute form. Soft credit check. Decision in 24–48 hours.
🔒FCA Regulated
🏦Funds at Barclays
⚡Start in 5 mins