This article showcases our top picks for the best United Kingdom based Lending/Financing companies. These startups and companies are taking a variety of approaches to innovating the Lending/Financing industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top United Kingdom Lending/Financing Companies
Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. Zopa works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate.
Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e.
someone lending Â£1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders.
Zopa has received public acclaim as well, having been awarded CNET Technology Awards’ 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK’s Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.
Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).. .
Aave (from the Finnish word for “ghost”) is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing. For lenders, the protocol mints ERC20-compliant aTokens at a 1:1 ratio to supplied assets.
Interest immediately starts compounding continuously, represented by a steady increase in the amount of aTokens held by the lender. This interest stream may be redirected to any address, separate from the aTokens that represent the underlying principal.
Aave offers flash loans: trustless, uncollateralized loans where borrowing and repayment must occur in the same transaction. Aimed at developers, this feature could lead to innovative uses of DeFi..
When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other.
By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward.
They believe it’s better for everyone.. .
Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives.
We would like to contribute by providing The World’s First Instant Crypto-backed Loans.. .
Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities.
It serves retailers, restaurants, hotels, service providers, and more. Christoph Rieche and James Dear founded iwoca on October 1, 2011.
iwoca’s headquarters is located in London in the United Kingdom.. .
In 2005, our co-founders, Rishi Khosla and Joel Perlman, were looking for a working capital facility to support their growing business, Copal Partners, a financial research firm they’d founded three years previously. They approached numerous high-street banks and kept getting variations of the same response – “the computer says ‘No’”.
Despite being a profitable business with strong cash flow and retained clients, none of the commercial banks were willing to lend to them. It was too small a ticket to offset the costs the bank would incur in doing a fundamental assessment of their business and structuring a finance facility for their needs.
A few months later through one of their institutional client’s special situations desk, they managed to secure 100x the amount of debt for a dividend recap. So, an institutional division of a bank was able to support them, but the commercial lending part of the bank was not.
This experience stuck with them. After they’d scaled Copal Partners to a 3,000-employee business and sold it to Moody’s Corporation (NYSE: MCO) in 2014, they set out to address the funding gap they had experienced first-hand and empower the Missing Middle, through launching OakNorth.
OakNorth’s (ON) Credit Intelligence Suite transforms commercial lending by helping banks build deeper relationships with their clients, open new, more profitable opportunities, whilst delivering credit decisions up to ten times faster than traditional models, with lower risk and greater efficiency. Credit Intelligence is a data-driven technology that gives lenders a forward-looking view of the borrower based on expansive and dynamic data sets and scenarios specific to that business, using automated, continuous analysis of multiple drivers across the business, its peer group and the wider economy.
This provides an independent, consistent, detailed framework offering deep contextual insight that enables rapid underwriting, immediate stress-testing and more agile and targeted strategic lending. Built over five years by an engineering and credit science team of over 250 people, the ON Credit Intelligence Suite has propelled OakNorth Bank in the UK into the top 1% of banks in developed markets in terms of RORE and efficiency, enabling it to profitably manage a multi-billion-dollar commercial lending portfolio – benefits that banks across the world can now realize.
MQube is a data company operating in the mortgage industry. MQube have developed the most sophisticated mortgage origination platform in Europe enabling decisions to be automated through exceptional data management and Deep Machine Learning techniques.
MQube’s unique technology can read and understand information trapped in documents used in the mortgage application process. This combined with a simple, intuitive application process reduces errors and delays, allowing customers to get to offer stage on their mortgage in the most efficient way possible..
RateSetter is a peer-to-peer lending website that allows its users to lend and borrow money directly from each other according to their own interest rates. The business primarily originates unsecured personal loans, and also arranges secured auto dealer financing and property financing.
As a peer-to-peer platform, RateSetter connects investors and borrowers and therefore does not hold deposits or loans on its balance sheet.. .
LANDBAY – The full-stack mortgage lender. Landbay facilitates retail, institutional and local government ifnvestment into UK residential mortgages.
They direct-match funding to diversified portfolios via their platform, supporting the growth of quality private rental accommodation throughout England and Wales. Landbay mortgages are originated through a network of accredited intermediaries and via strategic partnerships, including Zoopla Property Group.
Fully authorised and regulated by the FCA. No FSCS.
Capital at risk.. .
Funding Options is a leading data-driven marketplace for business finance, helping SMEs get the right funding in place so they can trade, plan and grow with confidence. With over 120 leading lender partners, Funding Options has helped more than 10,000 businesses across the UK and Netherlands secure over £0.5bn in funding.
In a highly fragmented SME lending ecosystem, Funding Options is fast becoming the de facto marketplace for business finance, connecting businesses, lenders and partners in a frictionless digital journey. The company is transforming the way SMEs access finance through a combination of award-winning technology which uses data analytics, open banking APIs and Artificial Intelligence, and a dedicated team of experienced Business Finance Specialists to ensure borrowers can make informed decisions and have access to funding within minutes.
Recognised as a fast-growth scaleup, Funding Options was named in the top 25% of the FT 1000, the annual list of Europe’s fastest-growing companies and is part of Silicon Valley Comes to the UK’s (SVC2UK) 2020 Scale Up Club cohort, a prestigious annual list of fast-growth UK technology companies destined for great things.
ezbob is a pioneer in the rapidly growing ‘lending-as-a-service’ (LaaS) sector. We offer a best-in-class modular and end-to-end lending solution and guide banks and financial institutions through complex digital transformation.
ezbob offers an open platform that enables financial institutions to build, launch and operate financial products for their customers, drawing on the data-rich open banking environment. It has cut loan servicing costs for clients by up to 80%, whilst allowing their SME customers to receive a lending decision in just 7 minutes, with funds transferred on the same day.
It’s proving a game changer for the lending sector. In 2019, ezbob won ‘Best Fintech Partnership’ in The Banker’s Tech Projects Awards for the company’s Smart Onboarding product and was also a winner in the Banking Technology Awards, organised by FinTech Futures..
Proportunity is a technology-driven mortgage lender. The company pushes the edge on real estate data-driven investment insights.
It uses machine learning to accurately forecast house prices and up-and-coming areas, providing loans to buyers looking to purchase homes in forecasted high-growing areas. Vadim Toader and Stefan Boronea started Proportunity in 2016, which is headquartered in London, England..
B-North is here to disrupt the £150bn UK business lending market. It shouldn’t take months to complete a loan facility with your lender.
We are partnering with global fintech leaders to deliver great personal service, transforming the lending lending experience, both for UK businesses and for commercial finance intermediaries. To do this takes great people, so we have assembled a team with market leading experience to create a new force in business lending..
Knoma offers a payment solution and marketplace for lifelong learning. The business is tackling the digital skills gap as the global economy shifts into the fourth industrial revolution.
We help people looking to future proof their career or move into new areas of work by reducing the barrier of payment and removing the pain point of sourcing technical courses. The business is built upon the firm belief in the importance of lifelong education to drive improvements in our customers’ future prosperity.
We believe education should be accessed in a short, but frequent manner; at a lower price point and a focus on gaining technical, digital and data skill-sets. All users can gain access up to £10,000, where the cost of a course can be spread over 12 months with flexible repayments.
The product is completely free to all end users with no interest or fees applicable. Knoma works with leading coding and tech schools.
We are a fun and driven team, ready to make an impact!. .
Nude helps first-time buyers save for and purchase their first home. Set a target, then get personal insights and lifestyle tweaks to knock months or even years off your goal – without ruining your social life.
We’re rebuilding the home-buying experience to make it easier and more enjoyable than ever before. From saving that first £5, to sending champagne to celebrate on move-in day, we guide you all the way.
You’ll have your keys in no time. Our ambitions are large and global, including applying for a banking licence to launch Nude mortgages and to support people through all of life’s big moments, like weddings, children’s accounts and retirement too..
LendInvest operates an online marketplace for property lending and investing. Its online marketplace platform lets everyday investors access various types of asset classes; and underwrites and pre-funds various investments.
LendInvest also offers short-term property finance, such as bridge loans, development loans, and buy-to-let loans. Christian Faes and Ian Thomas founded it in 2008, with its headquarters in London in the United Kingdom..
Folk2Folk offers simple, straightforward, local lending and borrowing. They are not a Bank, Brokerage, seller of financial products, Deposit Taker, Fund Manager, or Adviser to any party.
They don’t manage or arrange funds or offer banking or brokering services; neither do they sell or give advice on financial products. They organise the secured lending of money between local folk without the involvement of City institutions.
Introducing the Klarna of Recruitment. We believe that recruitment agencies are vital to the growth of SMEs in the UK.
But we also understand that SMEs cashflow is undeniably important, meaning that the large upfront costs of recruitment fees can sometimes be a burden. Introducing Playter.
We help fund the SME growth experience through the usage of recruitment agencies. Don’t pay recruitment fees upfront, let us help you pay the invoice over 6 months, whilst we pay your recruitment agencies on day 1, keeping them delighted in the process! So, stop paying big fees upfront and stop looking for the best recruitment agencies to work with, we will help you scale your SME to new heights by paying with Playter..
At Populous World, we work with businesses that need external financial assistance to fund their growth or ease short-term cash flow related issues. We endeavour to facilitate businesses globally, with our swift and innovative approach to business funding, allowing the invoice finance process to be less restrictive and easier for businesses to on board.
Our invoice finance platform is well positioned to break down the barriers of funding and allow more companies to participate in this market place – raising finance from outstanding invoices, but on a selective basis. Armed with a team of highly experienced technology and finance experts.
Populous World are well positioned to disrupt the invoice finance industry.. .
Relendex is primarily a marketplace for investors seeking a low risk environment that produces higher returns than banks, secured lending against commercial and residential properties in many cases producing income from tenants. They offer a new asset class that provides attractive returns to lenders.
Their lenders, both private and institutional investors have direct access to UK professional real-estate lending. They have developed their own auction engine to match a single borrower with multiple lenders.
Lenders choose the loans that meet their lending criteria and then acquire loan parts.. .
A fully licensed bank, Banking Circle is a next-generation provider of mission-critical financial services infrastructure leading the rise of a super-correspondent banking network. Banks and Payments businesses can access a range of banking services – multi-currency bank accounts, local clearing, cross border payments and flexible business lending, compliantly and securely – without the need to build their own infrastructure and correspondent banking partner network.
Bespoke, flexible, scalable and futureproofed solutions enable financial services businesses to do what they’re really good at – serving the end client successfully and efficiently – thereby allowing them to seize market opportunities. Bypass old, bureaucratic and expensive systems and enable global banking services for your clients.
Financial infrastructure you can bank on.. .
Orca Money provides investors with a platform to compare the various companies and products in alternative finance. Their goal is to list companies that offer Retail Bonds, Mini-Bonds, Peer-to-Peer Lending and other alternative investment opportunities.
They promote alternative investment as a viable and innovative way of making money. It is a young and progressive industry, expanding year-on-year globally..
LandlordInvest is an online marketplace which matches professional landlords looking for financing with investors that are looking to invest in asset-backed products with a monthly income. LandlordInvest founded in 2014 to solve a major issue facing landlords: financing.
We combined our passion for real estate investing with cutting-edge technology to evaluate landlords based on their actual performance, not personal credit.. .
Shawbrook Bank offers banking services. It provides savings account, asset finance, commercial mortgage, consumer lending, secured lending, and business credit services.
Shawbrook Bank began operation in 2011, with its headquarters in Brentwood in the United Kingdom. It operates as a subsidiary of Shawbrook Group.
Shawbrook is a growing UK specialist bank. Their approach to lending and savings is founded on the simple and good old-fashioned quality of good sense.
What sets us apart is the deep relationships they develop with their customers and business partners. They take the time to get to know them; they learn more about their specific needs and this allows us to produce products going forward to help them to maximise their opportunities.
Their chosen target markets are selected carefully and are ones that are poorly served by the mainstream banks. They are determined to support their customers and business partners by being highly engaged, straightforward, agile and easy to do business with.
Drawing on a deep understanding of their clients’ businesses and their specialist knowledge, they offer a clear proposition in the markets in which they operate. They use their experience and judgement to make decisions that balance risk, return and customer needs.
Aviation and Tech Capital
Aviation and Tech Capital Ltd has developed Ablrate.com which launched on July 9th 2014. This innovative new investment tool is aimed at the financing of aircraft and other income generating assets by allowing investors to invest directly through the Ablrate platform.
Ablrate.com will also offer direct investment opportunities in capital equipment transactions. With interest rates remaining low, investors are on the hunt for investments which generate better returns.
Aircraft are an ideal opportunity, as underlying demand for passenger travel drives growth across the globe. In 2013 over three billion passengers took to the skies and this is expected to double by 2030.
The Ablrate.com platform will feature aircraft deals for ATR aircraft in particular, one of the best performing turboprop aircraft on the market. Since launch the company has completed £2 million of loans (as at January 2015).
FundingKnight is a UK crowdlender which brings business borrowers together with a crowd of private and institutional investors. Loans are available up to £1million for businesses, property developers and green energy projects.
FundingKnight evaluates each potential borrower and assigns each a quality rating and a “reserve interest rate” – the borrower will pay no more than this. However each loan goes through an auction process wherein investors bid to invest.
This process actively lowers the final interest rate payable. Investors can choose which opportunities to invest in and can invest as little as £25 per loan.
The Marketplace allows investors to buy and sell whole or part loans between themselves. Through this system, new investors can quickly build up a diversified portfolio of investments.
Alternatively, investors can access their cash by selling their loans to other investors and withdrawing the money. The platform was designed, built and is maintained in-house, and undergoes continual improvement.
In July 2015 the company released “AutoBuy”, a feature which automates the balancing of portfolios on an ongoing basis by buying loan parts from other investors. Together with AutoBid – automated bidding in new auctions – and Automatic Cash Withdrawal, these tools make portfolio and money management significantly easier, especially for those new to investing.
Fintech Group. We master online consumer lending for emerging countries.
The Join Universe Group was built from the foundations of a Digital Agency. Its online marketing roots and specialist Fintech international team serve today’s marketplace culture of empowering the crowds through technological innovation to find a better deal.
Our mission is to apply cutting-edge technology to simplify personal finance. We believe that people of emerging countries are the most underserved with access to financial services, we provide a one-stop solutions for the population of emerging countries to enter the market for financial services having a positive impact in their lives.
The Join Universe Group has built the award-winning P2P Lending Platform TuTasa.com, which benefits borrowers with lower interest rates and lenders with greater returns. TuTasa Ltd has applied for FCA regulation as a P2PL platform, and allows to lend across multiple geographical markets using a single account.
TuTasa processes loans in real time, the unique internally developed platform can finance e-commerce transactions at the Point-of Sale, increasing the purchasing power of online shoppers. Finpros.net, the price comparison lead generator which matches borrowers with the right lending institutions, is another fast-growing asset from The Join Universe Group which complements its Fintech offering.
Find more about us here: http://www.joinuniverse.com/our-company/. .
Credit Peers is a privately held company that makes commercial property lending accessible to everyone. It enables private individuals to lend alongside institutional investors towards selected commercial property transactions and potential benefits from advantageous returns of up to 10% fixed interest per annum.
The company was founded in 2015 and is headquartered in London, England.. .
Currencies Direct provides foreign exchange payment services to corporate and personal clients. The company’s products include spot contracts, forward contracts, regular transfers, limit orders, rate watches, stop loss orders, and multiple payments.
It also offers overseas property, emigration, regular payment, online money transfer, travel money, international student, art and antique, business, business account, currency option, and risk management. Currencies Direct was founded in 1995 and is headquartered in London..
RedCloud Technologies is a UK based company. It aims to tackle a $19tn B2B cash payment problem existed in the supply chain of the emerging markets, where the cost of cash is estimated to be 10% of the revenue.
Through RedCloud’s platform, manufacturers, distributors, and merchants are connected and benefited from real-time payment, advanced business insights and access to financial services. In addition, with valuable data captured in the platform, credit scoring for previously unbanked merchants are now possible.
Merchants are therefore being financially included while financial institutions have access to the previously untapped market. Manufacturers, on the other hand, are closer to their end-consumers for targeted sales and marketing campaigns.
The company was established in 2014. Its team came from mPesa, one of the most successful mobile money providers in the world, where 40% of the population in Kenya is using that platform.
RedCloud has successfully built the first supply chain focused marketplace in Latin America in conjunction with Citibank, NCR and a number of leading FMCGs. It is actively expanding to Asian and African markets..
They provide individuals with spare savings, the opportunity to become personal lenders to screened and profiled borrowers. Unlike other Peer to Peer platforms, our platform is financially inclusive, accepting loan applications from LOW credit score borrowers.
If the borrower has a very low credit score, they will need to obtain the backing of a HIGH credit score Personal Guarantor, to boost their chance of obtaining a loan.. .
Oplo is a direct lender platform that offers car finance, personal loans, and secured loan products to UK customers, serving customers who are not able or not willing to borrow from high street lenders. The platform also provides a range of financial products to the consumer marketplace under its various subsidiary companies.
Their purpose is to unlock the real potential of millions of hard-working people across the UK and they’re for all the people who work hard to make a better life for themselves and their loved ones. Oplo’s goal is for its customers to believe that being with Oplo feels like they are valued for who they are and for what they can really be.
It was founded in 2004 and is headquartered in Blackpool, Lancashire, USA.. .
Sphonic is a London based digital risk management business, which has developed a suite of products designed to address the on-going demands of the fast-moving digital environment. The solutions it provides are: • Workflow Manager (WFM) – an AML/KYC/KYB, risk management and Authentication platform with access to over 60 3rd party data sources through a single API.
• Metrics UI (MUI) – Sphonic’s Metrics User Interface takes a direct feed from the real time WFM in order to provide efficiency in DevOps and Fraud teams. It enables customisable views and reports to assess performance, risk management targeting and other reporting features.
• AML Manager – an Anti-Money Laundering transactional management tool that provides a case management solution to identify and review potential AML activity, as part of a single customer view. WFM is the core solution used by a number of Sphonic’s clients both in Europe and the United States.
Sphonic created WFM given the innovation around digital risk management is constantly evolving, making the role of the end-user/buyer of such services a challenging one. Navigating through the complex 3rd party vendor market can be a constant battle, which Sphonic helps to solve through its platform with its connections to numerous products across the globe.
This means that Sphonic can provide a ‘one stop shop’ for a range of KYC/KYB/AML, fraud prevention and authentication needs. Most importantly, WFM is configured as a bespoke solution for the end client – so the end solution is specific to their unique challenges rather than a ‘black box’ approach which the client can’t comprehend or control..
Lendy is Europe’s leading peer to peer secured property lending platform. They specialise in providing bridging & development finance to property professionals, with funding provided by their established peer to peer crowd funded investment platform.
The Lendy platform allows their investors to pool together their funds in order to finance development projects and property purchases. They ensure this process is fast, simple and secure, and delivers a gross annual return of up to 12%, before tax, with all proposals fully assessed by their experienced credit committee before being made available for investment.
Lending is always secured with a legal charge and their loan amounts do not exceed 70 per cent of the Open Market Value, as confirmed by an independent Chartered Surveyor. This means that in the event of a default there is sufficient equity to allow loan funds to be recouped during a sale..
They started Likely Loans in 2014. They’re owned by Oakbrook Finance.
Led by a team with a huge amount of experience in lending, they really believe that people should be able to access loans that are affordable, despite their circumstances, and this belief is at the heart of everything they do. By completing their online application they can give you an instant decision about your eligibility for a loan and, where successful, aim to have the money in your bank the very next working day..
Logical Glue specializes in predictive analytics software. The Logical Glue platform is powered by explainable artificial intelligence (XAI) that combines fast, transparent, accurate decision-making with trustworthy, actionable insights, giving businesses an enviable competitive edge.
It allows lenders and insurers to manage key areas of their enterprise including customer retention, new business development, process optimization, and risk management. Logical Glue was founded in 2012 and is headquartered in London..
Emerio Banque Ltd is an International trade finance and investment firms providing innovative and structured trade finance, letter of credit, bank guarantees, documentary collections, transactional services, payroll services, fixed-term deposits, and payments transfer services to international corporates as well as individual clients with an expert and experienced team of business professionals. If you are a global import/export business and looking for a financial partner to help you accelerate your global business sales as well as resources to streamline your business finance operations, then Emerio Banque is the right place.
Our financial experts possess a fundamental understanding of the way you run your business so that we can provide you the customized and custom-tailored financial services as per your specific solutions. International Trade Finance Instruments By Emerio Banque 1.
Letter of Credit 2. Bank Guarantees 3.
Documentary Collection 4. Lending Services 5.
Investment & Transactional Services Tell us your requirements via mail or by visiting our website. .
We specialise in R&D Advance Funding, giving eligible businesses the opportunity to access their future tax credit payments in the form of an early R&D tax credit loan. Whether you’re a pre-revenue startup that’s between funding rounds, have seasonal or lumpy cash flow, or are just looking for more capital, Fundsquire can help you boost cash flow and grow your business.
Among different funding options, the R&D loan boasts an amazing additional benefit. If you’re a high growth tech scale-up and are borrowing money to invest in R&D, the Advance Funding will allow you to increase the size of your final R&D tax credit..
Cambridge & Counties Bank
Cambridge & Counties Bank is a unique partnership between two established and respected institutions – Trinity Hall, Cambridge & Cambridgeshire Local Government Pension Fund. They specialise in helping customers with their savings and lending needs and they know that the success of your organisation is key to making sure their economy as a whole can flourish.
At Cambridge & Counties Bank they have created a service that brings back some of the great elements of a traditional bank, combining these with all the speed, efficiency and know-how that’s needed in the modern day. They offer a personal service that’s straightforward, fast and flexible.
They know that their classic approach works for their customers. They were frequently told by customers that they feel valued; they tell us they feel like a person and not just an account number.
They will support your business and you’ll always be at the centre of everything they do. One of the most important bits – they were dedicated to being responsible lenders and offering you a safe home for your money.
They want your business to thrive.. .
Brismo brings efficiency to the market in loans, enabling loan originators to create credible performance metrics, and investors to deploy capital more productively and cost effectively. They have the broadest market coverage, working with originators of loans – from SME and consumer, to real estate and receivables – and providing market leading performance metrics to a range of investor clients.
Since launching in the UK in 2014 their methodology has gained traction globally. They now cover over 65% of UK and European marketplace lending, over 50% of US marketplace lending, and are extending coverage to additional geographies, origination models, and loan types.
They recently expanded into ‘direct lending’ and have also created metrics dedicated to reviewing the performance of real estate lenders. They are the sole providers of a standardised, like for like comparable, loan performance track record enabling for standardised measurement of both return and risk.
Their geographic performance indices have gained traction amongst investors seeking to benchmark loan investment performance and represent the only way to measure the performance of the asset class.. .
Bamboo Loans Ltd
At Bamboo they are professional, transparent and ethical in their approach to lending. They believe that a business should be run with these qualities as core values.
As a new lender, they have invested in a unique process within the current marketplace.. .
SafetyNet Credit allows you to borrow money over a short period of time whilst offering a fantastic new service that is typically a cheaper alternative to bank unauthorised overdraft and penalty fees. Their unique SafetyNet Credit facility was developed in response to extensive media scrutiny around unauthorised overdraft charges.
Their unique credit facility monitors your account and when your balance drops to a pre-agreed level, They can automatically lend you money to stop you falling into your unauthorised overdraft and incurring charges.. .
Trustmarque is a leading end-to-end technology provider for UK organizations. They empower their customers to succeed by delivering simplified IT services.
The company delivers integrated services to help you at each step of the IT investment process, from solution development through technology provision to deployment and on-going support.. .
CreditSCRIPT is an alternative credit investment platform that helps professional investors assess loans and portfolios originated by online marketplace lenders. The company offers the latest technology and analytics solutions to evaluate price and track financial portfolios of loans such as consumer, student, SME, auto, and mortgages.
The company helps clients to deliver the alpha in the daily performance and understand and monitor the risk in real time. Its client base consists global institutional credit investors, banks and wealth managers, and professional investors seeking access to superior income generating assets and alternative finance investments.
CreditSCRIPT was founded on 2016 and is based in London.. .
Capquest is a credit solutions business that works on behalf of credit providers. Capquest heritage puts a unique position to change the way the credit solutions sector operates.
The clients include the providers of credit in the UK including banks, high street lenders, credit card companies, motor finance, and many other providers of credit to individuals. It ensures that the customers’ needs are the important part of the business.
Capquest was founded on 1985 and is beased in Farnborough, United kingdom.. .
Skyline Direct provide cash loans and high street shopping vouchers to customers across Northern Ireland and Scotland. Their personal credit loans involve fixed weekly repayments and the amount that you borrow never goes up.
There are no late payment fees or penalties for going slightly over the length of your loan however this may affect future borrowing. They pride ourselves on ensuring loans are manageable so you can stay in control of your finances.
With a Skyline Direct loan you always know exactly where you stand. We’re committed to being a responsible lender.
First time customers can borrow up to £200, building up to £1,000 as they get to know you better (subject to affordability). .
Money Zebra is a financial services auction platform with credit history ledger and basic scoring engine (for non-IDs) crafted for emerging markets. Our Mission Unlock access to fairly priced financial services to the emerging markets.
Legitimise ‘hidden’ people and provide them with equal opportunities. Provide access to capital to achieve poverty eradication.
Money Zebra is an auction platform where millions of financial product applications are bet on by the service providers from across the globe, who compete with each other to offer the best terms to the emerging market customers based on the data and Credit Score provided.. .
Kabayan Remit provide a fast, affordable and convenient way of sending money to the Philippines. Kabayan Capital Limited trading as Kabayan Remit was incorporated in June 2012 to help our kababayan who are working very hard overseas to send money to their loved ones in the Philippines.
We have created a better way of assisting our kababayan on how to send their hard-earned money to their families and friends.. .
Wellesley Group launched in June 2013 and has grown to become a prominent player in the alternative property finance space, an asset class traditionally dominated by the high street banks. An independent British business, Wellesley facilitates access to credit for creditworthy small and medium-sized enterprises (SMEs) who undertake property development activities across the UK in the property sector.
Within Wellesley Group, Wellesley Finance provides property development finance. It takes security over a property developer’s project and monitors the construction on a regular basis.
Wellesley Finance receives its funding from retail investors who invest in retail bonds that it has issued directly. It also employs Peer-to-Peer lending investments which are operated by Wellesley & Co Limited.
Both Wellesley Finance Plc and Wellesley & Co Limited are subsidiaries of Wellesley Group Investors Limited.. .
Real Funds is London based peer-to-peer lending platform disrupting the oligopolistic position of a few major house builders by providing alternative finance to small and medium-sized house builders, who currently have limited access to finance, especially after 2008 banking crisis. At the same time, we are opening this exclusive market, which was previously available only to those with high capital and the right connections.
Through our platform, one can invest in asset-backed property development projects in their local community and beyond for as little as £100, for returns of up to 7% per annum with monthly interest from the date of the investment. In addition, all our projects have first legal charge, meaning all the investment is secured against the property making them assets backed.
Our ultimate vision for the future is where cities will be financially self-sustainable, with local communities investing in local property development projects.. .
eCoinomic.net is a financial services platform for crypto owners. Its premiere service is fiat loans backed by crypto collateral.
eCoinomic.net aims to bridge the gap between fiat and crypto worlds by bringing together cryptocurrency holders and institutional investors/family offices into a single financial network. How does the system work? Institutional investors and family offices are always interested in new low-risk instruments with high profitability.
And crypto owners wish to benefit from their digital assets and preserve them for the long term hoping to gain more value. The smart contracts on the eCoinomic.net platform will solve these needs.
Crypto owners will get an opportunity to obtain fiat loans using digital assets as collateral. Institutional investors and family offices will explore a new mortgage market by issuing fiat loans to crypto community.
81% of the funds gathered during the Token Sale (exceeding the USD 6 million softcap) will be used to form the Reserve. The Reserve will not be spent – it will be used solely to provide full coverage for the lending funds from the institutional investors and family offices.
Thus we ensure their participation. We consider cryptocurrency as a new perspective type of collateral that can change the market for secured loans tremendously.
Ashley Finance provides invoice financing services to small businesses in the United Kingdom. It offers invoice finance, cash advances, confidential finance, and fuel cards.
The company offers its invoice financing to various businesses, including commercial printers, security guards, taxis, temporary staff agencies, and recruitment companies. It offers its business cash advances for restaurants, pubs, hotels, hairdressers, bed and breakfasts, bike shops, MOT service centers, chemists, opticians, convenience stores, and other independent retail stores.
The company was founded in 1993 and is based in Manchester, United Kingdom.. .
Madiston like the concept of social lending: the getting together of a number of people, usually unknown to each other, to fund something. They have built the Madiston platform to facilitate this principle and, from the outset, enabled it to be customised to different business models.
Their vision is “direct access for all” – whether you are an individual or an organisation.. .
Saving Stream is a UK p2p lending marketplace operated by Lendy Ltd. that facilitates bridging loans, that is short-term loans for typically less than a year, secured by commercial property.
Investors can see valuation documents for each listed loan. Saving Stream operates since January 2013 and with 25 million GBP loan volume originated since launch it is one of the mid-sized p2p lending sites in the UK.
Saving Stream is open to international investors; you don’t have to be a UK resident. Investors are paid 12% interest, accumulating starting at the day they bid on a loan.
The interest is paid monthly (starting with drawdown); the principal amount is repaid at the end of the loan term. Saving Stream does not charge investors any fees..
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