ArchOver
Business lending P2P platform that ceased trading. Specialised in receivables-backed lending to UK SMEs, with loans secured against invoices and credit insurance.
General Information
ArchOver Limited (FRN 723755) was an FCA-authorised peer-to-peer business lending platform that ceased trading. The platform specialised in receivables-backed lending to UK SMEs, offering investors loans secured against business invoices and, in some cases, backed by trade credit insurance.
ArchOver differentiated itself in the P2P market by focusing on invoice-backed lending with credit insurance, positioning its products as lower-risk within the P2P spectrum. However, the platform ultimately ceased operations as part of the broader contraction of the UK P2P sector.
How does it work?
ArchOver offered investors access to business loans secured against verified invoices from creditworthy debtors. Many loans carried trade credit insurance, providing an additional layer of protection. The platform's model was designed to reduce default risk by tying lending to receivables from established businesses.
What do they offer?
ArchOver is no longer operational. When active, the platform offered receivables-backed business loans with projected returns typically in the range of 5–8% per annum. The credit-insured model was distinctive within the UK P2P market.
Who is it for?
ArchOver is no longer accepting new investors. The platform's receivables-backed, credit-insured model represented an interesting structural approach to P2P lending risk management that differed from the property-secured model favoured by most UK platforms.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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