Rebuildingsociety
Rebuildingsociety.com Limited (FRN 658024) is a directly FCA-authorised UK peer-to-business (P2B) lender connecting investors with SMEs through secured and unsecured loans.
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- £10
- Minimum investment
- ~£40.8M cumulative
- AUM / raised
- 2012
- Launched
- UK
- Geography
- Yes
- Secondary market
- Debt
- Investment type
Rebuildingsociety in ten seconds
Structured fields recorded the same way for every platform in the directory, so they can be compared like for like.
- Asset classes
- Private Debt
- Investment type
- Debt
- FCA authorised · Directly authorised (FRN 656344) · FCA Register
- Operator
- Rebuildingsociety.com Ltd · Co. no. 07885342
- Company status
- Active
- £10
- ~£40.8M cumulative
- Founded
- 2012
- Geography
- UK
- Yes
- Operating status
- Active
- Last reviewed
- June 2026
- Website
- rebuildingsociety.com
What is Rebuildingsociety?
Rebuildingsociety.com Limited is a UK-based peer-to-business (P2B) lending platform that arranges loans between individual/institutional lenders and UK SMEs. The firm is directly authorised by the FCA (FRN 658024); it moved from interim permission to full authorisation on 22 February 2017 after operating under interim permission since April 2014.
Permissions include operating an electronic system in relation to lending, holding client money, and acting as an Innovative Finance ISA (IFISA) manager. The firm is also a Network Principal with its own Appointed Representative scheme. The FCA classifies P2B lending as a restricted mass market investment.
How does Rebuildingsociety work?
The firm operates a Primary Marketplace for new loan listings and a Secondary Marketplace where lenders can list and buy existing loan parts ('microloans'). Borrowers apply online; Rebuildingsociety performs credit assessment, assigns risk ratings and lists loans. Security is typically held on trust for lenders and segregated client accounts are used for transaction clearing.
Investors can bid manually or use available automated tools, and can view borrower information and loan-level performance on the platform.
What does Rebuildingsociety offer?
Core product: secured and unsecured P2B loans to UK SMEs (working capital, growth, equipment). An IFISA wrapper is available for eligible investors. Minimum investment £10.
Fees (published): monthly IFISA account management fee of 0.1% of assets (discounted to 0.05% for IFISAs over £250,000); £40 ISA transfer fee; 0.5% secondary market sale fee; plus interest-margin, arrangement and default fees as detailed on the firm's fee schedule.
Reported volumes: c.£40.8M lent cumulatively across c.850 loans to c.1,928 registered lenders (not independently verified). Headline net return figures (e.g. 14.6% since 2013) are firm-stated and should be confirmed against dated outcomes statements before use.
Who is Rebuildingsociety for?
Retail and professional investors who accept the risks of lending to SMEs — credit, recovery and limited liquidity — and who meet the suitability/appropriateness requirements that apply to a restricted mass market investment. FSCS protection generally does not apply to P2P loans, and access to funds can be limited where loans run long, default or trade thinly on the secondary market.
In short
Long-tenured P2B with active regulatory scrutiny. Direct FCA authorisation, an IFISA permission, a working secondary market and a published fee schedule are credible building blocks. Two things temper that: (i) the October 2023 Own Initiative Requirement restricting approval of cryptoasset financial promotions (under appeal) shows the firm is in active conversation with the regulator; and (ii) older Trustpilot complaints around defaults and underwriting remind investors that diversification does not eliminate credit risk. Suitable as a small, diversified P2B sleeve for investors comfortable with credit work and slow recoveries — not a substitute for cash or FSCS-protected deposits.
- Last reviewed
- June 2026
- Sources
- rebuildingsociety.com (full-fca-authorisation, rates-and-fees, how-does-it-work, faqs, ar-initiative, s21-application-form, private-peer-loans, super-complaint-analysis); FCA Financial Services Register (FRN 658024); FCA Own Initiative Requirement (Oct 2023); Trustpilot
- Methodology
- How we research platforms →
Editorial research, not financial advice. See the full disclaimer in the site footer. Are you the owner of Rebuildingsociety or representing the company? To submit an addition, clarification or correction, get in touch or use our contact form.
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You will leave Other. Read the offer document and check the FCA register entry before investing.
Rebuildingsociety vs other Private Debt platforms
| Rebuildingsociety | Crowd2Fund | Crowd for Angels | Charm Impact | |
|---|---|---|---|---|
| Minimum | £10 | £250 | £100 | $50,000 |
| FCA status | FCA authorised | FCA authorised | FCA authorised | Not FCA regulated |
| Structure | Debt | Debt, Equity | Debt, Equity | Debt |
| Secondary market | Yes | No | No | No |
| Founded | 2012 | 2014 | 2014 | 2018 |
| Geography | UK | UK | UK | Africa & Southeast Asia |
Understanding private lending, direct loans, and debt investments. How non-bank lenders generate yield and how individual investors can access the asset class.
- What is the minimum investment on Rebuildingsociety?
- Rebuildingsociety's minimum investment is £10.
- Is Rebuildingsociety regulated by the FCA?
- Yes. The FCA Register lists it as: Directly authorised (FRN 656344).
- Does Rebuildingsociety offer a secondary market?
- Yes, Rebuildingsociety offers a secondary market for existing investors to sell holdings before maturity.