Guide to P2P Lending

Our no-nonsense guide to asset backed P2P lending

Welcome to our blog post.

Income-seeking investors have been drawn to peer-to-peer lending on account of the attractive returns on offer. Here’s everything you need to know about this growing sector

The Bank of England may have nudged the base rate up to 0.75% – its highest level in almost a decade – but this rise hasn’t been passed on to most savers.

Three quarters of banks and building societies have failed to pass the rate rise on to customers, with the average easy-access savings account offering a pitiful interest rate of just 0.52%, according to MoneyFacts.

Asset Backed Investments with Acton Capital Ltd

At Action Capital, we facilitate people lending money directly to businesses through what's known as peer-to-peer lending. This cuts out the banks and offers investors a fair rate of return on the money invested. However, it does carry a degree of risk to your capital if a borrower is unable to repay their loan. All Assetz Investment Accounts – apart from the Manual Lending Account – automatically diversify your investment across multiple loans in order to spread the risk.

In the UK, peer-to-peer lending is regulated by the Financial Conduct Authority (FCA).