Independent ranking
Best UK peer-to-peer business finance platforms
Independent UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. Typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
UK retail P2P business lending contracted sharply between 2019 and 2022 and only a handful of platforms remain. Crowd2Fund is one of the few still running a genuine retail-investor listing model; LendingCrowd also launched as P2P in 2014 and still funds via a mix of retail and institutional capital. Assetz Capital started as a P2P platform but pivoted fully to institutional funding in 2022, so it isn't included as a ranked pick here. This FundBiz ranking assesses 2 UK lenders for "best uk peer-to-peer business finance platforms", weighting primarily on retail p2p funding depth (30%), rate transparency (25%), decision speed (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to a business finance broker, who pays us a fixed fee; you pay nothing.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
Last updated:
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P2P SME term loan · £10k to £1m · 5 to 15 business days
One of the few remaining genuine UK retail P2P platforms; openly published 8% to 18% APR band.
Our assessment: Decision speed: average (5 to 15 business days).
Read full Crowd2Fund review → -
Term loan · £75k to £500k · 24 to 48 hours
Launched as P2P in 2014, still funds via a mix of retail and institutional capital; fixed-rate-for-term pricing.
Our assessment: Decision speed: strong (24 to 48 hours).
Read full LendingCrowd review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Crowd2Fund | 8% to 18% APR | £10k to £1m | 5 to 15 business days | Established SMEs with a fundable narrative |
| LendingCrowd | Fixed for the term, quoted at offer | £75k to £500k | 24 to 48 hours | Established Ltd / LLP with £100k+ turnover |
Sources: each lender's own published product pages: Crowd2Fund · LendingCrowd. Figures change; confirm with the lender before you rely on one.
What is the best UK peer-to-peer business finance platform?
Crowd2Fund and LendingCrowd are the two genuine retail peer-to-peer platforms we review that remain after the UK sector contracted sharply between 2019 and 2022. Assetz Capital started as P2P but pivoted fully to institutional funding in 2022.
How does peer-to-peer business lending work?
Individual investors fund all or part of your loan through the platform, usually via a campaign-style listing that has to fill before the loan draws down. This differs from a direct lender, where a single institution funds the whole facility itself.
What does UK peer-to-peer business finance cost?
As recorded in our lender reviews: Crowd2Fund: 8% to 18% APR. LendingCrowd: fixed for the term, quoted at offer. Lenders price each case individually, so confirm the cost on a real quote.
How long does a peer-to-peer listing take to fund?
A campaign-style listing depends on investors filling it, which takes longer and isn't guaranteed. As recorded in our lender reviews: Crowd2Fund: 5 to 15 business days. LendingCrowd: 24 to 48 hours. Timings are the lenders' own or typical figures and depend on how complete your application is.
Why has UK peer-to-peer business lending shrunk?
Regulatory reform tightened retail P2P investor protections from 2019, and several platforms wound down or repositioned as institutional lenders as a result. Crowd2Fund and LendingCrowd are among the few still running a genuine retail-investor model.
How we ranked these
We weight retail p2p funding depth (30%), rate transparency (25%), decision speed (20%), eligibility breadth (15%), post-decline acceptance (10%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK peer-to-peer business finance platforms":
- Retail P2P funding depth30%
- Rate transparency25%
- Decision speed20%
- Eligibility breadth15%
- Post-decline acceptance10%
Read the full methodology for how we score and rank the lenders we review.
Also considered
- Assetz Capital (pivoted from retail P2P to institutional funding in 2022, no longer a retail P2P platform)
Not for
Speed-prioritised cases; sub-£10k tickets; borrowers who can't wait for a campaign listing to fill.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).