Independent ranking
Best UK peer-to-peer business finance platforms
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
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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 is not included as a ranked pick here even though it remains on the panel for asset-backed lending. 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. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. 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 specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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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.
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.
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 | One of the few remaining genuine UK retail P2P platforms; openly published 8%... |
| LendingCrowd | Fixed for the term, quoted at offer | £75k to £500k | 24 to 48 hours | Launched as P2P in 2014, still funds via a mix of retail and institutional... |
What is the best UK peer-to-peer business finance platform?
Crowd2Fund and LendingCrowd are the two genuine retail peer-to-peer platforms remaining on the FundBiz panel 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?
Crowd2Fund publishes an open rate band of 8% to 18% APR. LendingCrowd fixes the rate for the term of the loan, quoted at offer once the eligibility floor (2 years trading, £100k turnover) is met.
How long does a peer-to-peer listing take to fund?
LendingCrowd typically funds the working day after approval, 24 to 48 hours in practice. Crowd2Fund depends on the campaign filling, which takes longer and is not guaranteed, typically 5 to 15 business days.
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 every lender on the FundBiz panel.
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 cannot wait for a campaign listing to fill.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).