At Assetz Capital, we facilitate people lending money directly to businesses through what's known as peer-to-peer lending. This cuts out the banks and typically offers investors a fairer 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).