MoneyThing
Asset-backed P2P lending platform that ceased trading around 2020. Offered loans secured against business assets, property, and other tangible collateral.
General Information
MoneyThing Capital Limited (FRN 703549) was an FCA-authorised asset-backed peer-to-peer lending platform that ceased trading around 2020. The platform offered investors access to loans secured against tangible business assets, property, and other collateral, with a focus on asset-backed lending rather than unsecured business loans.
MoneyThing positioned itself as a transparent platform, publishing detailed information about each loan and its securing assets. The platform attracted a loyal investor community but ultimately could not sustain operations at viable scale.
How does it work?
MoneyThing operated a manual-selection P2P model where investors chose individual loans secured against specific assets including property, plant and machinery, vehicles, and other business assets. Each loan was individually listed with details of the securing asset, valuation, and terms.
What do they offer?
MoneyThing is no longer operational. When active, the platform offered asset-backed loans with returns typically in the range of 7–10% per annum, secured against a variety of tangible assets.
Who is it for?
MoneyThing is no longer accepting new investors or investments. The platform's closure reflects the broader consolidation of the UK P2P sector, where smaller platforms struggled to achieve the scale needed for commercial viability under enhanced FCA regulation.
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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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