Crowdstacker logo


Crowdstacker is an FCA regulated Peer to Peer lending platform that allows people to become lenders to great British businesses via bonds, loan notes and peer to peer loans. We were one of the first P2P platforms to provide the new Innovative Finance ISA (IFISA), and as a fully HMRC approved ISA manager we  offer exclusive Innovative Finance ISA investment opportunities.

P2PFA Representative: Karteek Patel

folk to folk logo


Folk2Folk offers simple and straightforward secured business loans for UK businesses looking for interest only finance. We match business borrowers to investors looking for a good return using property or land as a security. Folk2Folk is one of the only P2P finance companies with high-street branches having lent over £130m since launching in 2013. Folk2Folk also is fully authorised by the FCA.

P2PFA Representative: Giles Cross, Chief Marketing Officer

funding circle logo

Funding Circle

Funding Circle is the UK’s largest and world leading online marketplace for business loans. Funding Circle enables individuals and organisations to directly lend to creditworthy small businesses, sidestepping the banks and supporting the core of the economy. Since launching Funding Circle has helped businesses borrow more than £1 billion in the UK; investors include 45,000 individuals, the Government-backed British Business Bank, local councils, Huddersfield University and a number of financial institutions

P2PFA Representative: James Meekings Co-founder


Landbay launched in 2014 with a mission to create a simple savings alternative. Lenders can benefit from the resilient UK residential buy-to-let market from just £100 and monthly interest is paid our via Fixed and Tracker rates. Borrowers get fast, rational decisions and competitive mortgage rates. Risk mitigation includes auto-diversification of savings, stringent lending criteria, partnerships with leading brokers and the Landbay Protection Fund

P2PFA Representative: John Goodall, Co-founder and CEO

lending works logo

Lending Works

Lending Works is an online marketplace for lenders and borrowers, offering great returns to lenders and low cost, flexible personal loans to borrowers. By cutting out the large financial institution in the middle, both receive a much better deal. Lending Works is the only peer-to-peer lending platform which has insured against the risk of borrower default, fraud and cybercrime in order to provide market leading lender protection.

P2PFA Representative: Nick Harding CEO

Market Invoice logo

Market Invoice

MarketInvoice is a cash flow finance provider for small businesses in UK and Ireland. The online service lets businesses raise funds by selectively selling their invoices, contracts or licences direct to investors. Businesses use MarketInvoice to smooth cash flow and fuel their growth. Businesses can apply and receive up to £1 million in funds in under 24 hours. There are no long contracts, personal guarantees or hidden fees to worry about

P2PFA Representative: Anil Stocker CEO


ThinCats is Europe’s largest peer-to-peer marketplace for secured business loans.  Members can lend to a range of UK businesses, diversified by sector, region and duration, for £1000 or more. This allows lenders to either select their preferred areas from a broad base, or to build a diversified – and therefore lower risk – portfolio of ThinCats loans.  ThinCats provides a monthly, competitive rate of interest to its lenders, and in the process supports the growth of UK businesses.
ThinCats has a unique business model: it only offers secured business loans, and all loans are introduced and monitored through its network of expert Sponsors.  Members also benefit from the ThinCats forum, where experienced lenders analyse the merits of each individual loan. We call this ‘crowd due diligence’.  We believe the information available to our lenders and the ability to question and discuss this creates a transparency that is unmatched in the alternative lending market

P2PFA representative: John Mould, Chief Executive, ESF Capital

zopa logo


Zopa created peer-to-peer lending back in 2005 & is Europe’s largest P2P lending business. Zopa has lent more than £1.2bnm & returned over £60m in interest to its lenders. Zopa has over a 2% market share in UK personal loans & has helped over 250k consumers get a better deal on their money. So far, over 60k lenders have trusted us with their money to earn great returns & over 150k sensible borrowers are currently using us to get a low-cost loan. Zopa is a founding member of the P2PFA.

P2PFA Representative: Giles Andrews Executive Chairman