Private Debt Platforms in the UK

    Private debt platforms connect investors directly with borrowers, offering fixed-income alternatives outside the traditional banking system. This includes peer-to-peer lending, asset-backed loans, and specialist credit funds.

    31 active platforms · 18 inactive

    Inactive Platforms

    Crowd for Angels

    Equity and bond crowdfunding platform. Currently in wind-down mode following regulatory challenges.

    Assetz SME Capital

    Formerly one of the UK's largest P2P business lending platforms. Wound down its retail P2P loan book and ceased offering new investments to individual investors.

    MoneyThing

    Asset-backed P2P lending platform that ceased trading around 2020. Offered loans secured against business assets, property, and other tangible collateral.

    ArchOver

    Business lending P2P platform that ceased trading. Specialised in receivables-backed lending to UK SMEs, with loans secured against invoices and credit insurance.

    Leap Lending

    Peer-to-peer lending platform that connected borrowers with investors for consumer refinancing loans, with a focus on financial well-being and transparent, cost-efficient lending. No longer operational.

    PrestaCap

    PrestaCap was a private debt platform previously authorised by the FCA for investment-based crowdfunding. The platform focused on business lending before its FCA authorisation was cancelled.

    Code Investing

    Code Investing was an investment-based crowdfunding platform previously authorised by the FCA, offering debt-based investments. Its authorisation has since been cancelled and the platform is no longer operational.

    Connective Lending

    Connective Lending (Connective Lending Ltd) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Growth Street Exchange

    Growth Street Exchange (Growth Street Exchange Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer business lending. Its authorisation has since been cancelled. Note: this is a separate FCA entity from LendingWorks (now operating as Growth Street).

    Carminite

    Carminite (Carminite Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Fitzrovia Finance

    Fitzrovia Finance (Fitzrovia Finance Ltd) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    InFund Technologies

    InFund Technologies (InFund Technologies Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Credit Peers

    Credit Peers (Credit Peers Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Stratosphere

    Stratosphere (Stratosphere Inc Ltd) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Lend and Borrow Trust

    Lend and Borrow Trust (Lend & Borrow Trust Company Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Linked Finance P2P

    Linked Finance P2P (Linked Finance P2P Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer business lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Formax Credit

    Formax Credit (Formax Credit (UK) Ltd) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

    Go2 Partners

    Go2 Partners (Go2 Partners Limited) was a loan-based crowdfunding platform previously authorised by the FCA for peer-to-peer lending. Its authorisation has since been cancelled and the platform is no longer operational.

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