Private Credit Guides
Understand private lending, direct loans, and debt investments — how non-bank lenders generate yield and investor access routes.
2 guides
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
Open Access Finance Limited (Companies House 08778211), trading as Unbolted, is a UK peer-to-peer lending platform directly authorised by the FCA since June 2017 (FRN 741896). Investors fund short-term loans, typically for under 12 months, secured on borrowers' pawned or other assets, and can sell loan parts to other investors to exit early. In September 2026 its investing page at unbolted.com/uk was live, advertising rates of up to 10.2% a year, an Autolend option and an Innovative Finance ISA, and the site said it had completed over £60 million in loans. The wind-down wording on the site is the plan the FCA requires every P2P platform to publish, not a closure notice. International warnings about openaccessfinance.net refer to a separate, unrelated operator.