Private Debt

Debt

FCA Regulated

Edinburgh Alternative Finance

FCA-authorised Scottish P2P business lending platform providing finance to Scottish SMEs, funded by individual investors.

Founded

2014

Geography

UK (Scotland)

General Information

Edinburgh Alternative Finance Limited (FRN 670991) is an FCA-authorised Scottish P2P business lending platform founded in 2014. The platform provides finance to Scottish SMEs, funded by individual investors seeking exposure to local business lending.

The platform occupies a distinctive geographic niche within UK P2P, focusing specifically on Scottish businesses and investors.

How does it work?

Edinburgh Alternative Finance connects Scottish SME borrowers with investors through its P2P platform. The platform handles credit assessment, loan origination, and servicing, with a focus on the Scottish business community.

What do they offer?

Scottish SME lending opportunities from approximately £500. Loans fund working capital and growth for Scottish businesses.

Who is it for?

Suited to investors seeking exposure to Scottish business lending. SME lending carries default risk and geographic concentration risk. Capital is at risk.

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Last reviewed: February 2026Sources: FCA Register, Companies House, platform disclosures

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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