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Peer-to-peer lending

Peer-to-peer lending is a popular way for businesses to secure loans. It is most suitable for businesses which have been trading for a few years.

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Latest on peer-to-peer lending

Read our latest features and articles on peer-to-peer lending.

Reports and guides

Peer-to-peer lending
  • Helpsheets and support
  • 2021
Peer-to-peer lending connects established businesses looking to borrow with investors who want to lend, usually via online platforms.

Business press

The ICAEW Library & Information Service provides access to leading business, finance and management journals. These journals are available to logged-in ICAEW members, ACA students and other entitled users subject to suppliers' terms of use.
Exclusive Go with the P2P flow
  • Article
  • 01 Apr 2023
  • Eliot Hastie
For investors looking for an income stream, peer-to-peer (P2P) lending provides an attractive alternative to regular banking products. The article discusses the potential advantages and risks of P2P lending in the current economic environment. Written from an Australian perspective.
Exclusive Bottoms up!
  • Article
  • 01 Apr 2018
  • Sean Feast
A case study of a wine producer that expanded its business with peer-to-peer lending.
Exclusive The past and future of P2P
  • Article
  • 01 Dec 2017
  • Sean Feast
An interview looking at the creation of the peer-to-peer finance community, its current challenges and prospects for the future.
Exclusive Listen to the crowd
  • Article
  • 07 Dec 2016
Discusses the growth of the alternative finance market in Great Britain, including peer-to-peer lending, reward-based crowding, and equity-based crowdfunding.
Exclusive High yield on main street
  • Article
  • 29 Jun 2015
  • Laura Shin
The article looks at small business lending as a form of investment, with a particular focus on peer-to-peer lending. According to the author, declines in bank lending to small businesses have created a demand for alternative loan sources. Other topics include lending risk and a profile of a real-life investment firm.
Exclusive Shared housing
  • Article
  • 24 Jan 2015
  • Frank Swain
Crowdsourced loans and peer-to-peer lending are increasingly cutting banks out of the mortgage market - but there are associated risks.

Articles in the ICAEW Library collection

The collection of the ICAEW Library & Information Service includes a range of articles on peer to peer lending. Use the link below to see what we have available to request in our Library catalogue (Libcat).

To find out how you can borrow books from the Library please see our guide to borrowing books.

You can obtain copies of articles or extracts of books and reports through our document supply service.

External resources - FCA rules

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External resources - Publications, guides and reports

Fifth UK Alternative Finance Industry Report
  • Website
  • Judge Business School, University of Cambridge
Published in 2018 by Cambridge Judge Business School and the Cambridge Centre for Alternative Finance. This detailed report tracks and benchmarks crowdfunding and other forms of alternative finance in the UK.
Peer to peer lending: how it works for small businesses
  • Website
  • Simply Business
A quick guide for small businesses covering what peer to peer lending is, how it works and the advantages and disadvantages for businesses.
Peer-to-Peer lending guide
  • Website
  • MoneySavingExpert.com
Guidance from MoneySavingExpert.com aimed at the general public. Looks at how peer-to-peer (P2P) lending works, how it's regulated, what the risks are, and how the different players stack up.
Peer-to-Peer lending tax guidance
  • Website
  • GOV.UK
HMRC guidance for individuals investing in peer to peer loans, reporting interest and claiming losses from loans that default.
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ICAEW accepts no responsibility for the content on any site to which a hypertext link from this site exists. The links are provided 'as is' with no warranty, express or implied, for the information provided within them. Please see the full copyright and disclaimer notice.

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