Private Credit Guides

    Understand private lending, direct loans, and debt investments — how non-bank lenders generate yield and investor access routes.

    1 guide

    Beginner
    15 min

    Private Credit: A Complete Guide

    Understanding private lending, direct loans, and debt investments. How non-bank lenders generate yield and how individual investors can access the asset class.

    Explore Private Credit Platforms

    Folk2Folk

    UK peer-to-peer lending platform specialising in property-secured business loans. Directly FCA-authorised (FRN 720867) with cumulative lending exceeding £820 million since 2013. Offers Business Loan Investments and an Innovative Finance ISA wrapper, with a secondary market available for early exit.

    AxiaFunder

    Litigation funding platform connecting investors with pre-vetted commercial litigation cases via SPVs and Scottish Limited Partnerships.

    WiseAlpha

    UK marketplace (FRN 751087) offering fractional access to corporate bonds and gilts from £100, with IFISA and SIPP wrappers, an automated Robowise allocator and a secondary market.

    Unbolted

    Asset-backed P2P lending platform operated by Open Access Finance Limited (FRN 741896). Loans are secured against luxury collateral — gold, watches, fine art, classic cars and jewellery — with a digital pawnbroking model. Over £50m facilitated since 2016; £5,000 minimum and a secondary market for early exit.

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