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How it works

Welcome to easyMoney's
Peer-to-Peer Lending Platform

At easyMoney, we simplify the investment process by matching careully selected property professionals seeking short-term loans with investors like you who are looking for better returns on their money.

Our Key Features

  • Investment Platform

    easyMoney is an investment platform, not a bank savings account. Therefore, it is not protected under the Financial Services Compensation Scheme (FSCS).
  • Quick Sell-Down Time

    Since our inception, the average time to sell down your loans has been under 24 hours. However, instant access is not guaranteed and depends on the availability of buyers for your loans.
  • FCA Advice

    The Financial Conduct Authority (FCA) advises that everyday investors (referred to as 'restricted investors') should not invest more than 10% of their net assets into peer-to-peer loans.
  • Capital at Risk

    Your capital is at risk if a borrower defaults. Interest payments are not guaranteed and may be delayed if, for example, it takes longer to match your funds to a loan.
  • Security Measures

    We take a legal charge over each property, which reduces the risk of losing money but does not eliminate it entirely.
  • Target Rate

    The "target rate" is the rate we aim to achieve, but this may vary with market conditions. Returns are not guaranteed.
  • Diversification

    To mitigate risk, we spread your investment across several loans. This reduces the impact if a borrower defaults.
  • Investment Options

    Choose between a regular investment account or a tax-free Innovative Finance ISA account (IFISA). Neither option guarantees a return.
  • Agency Role

    easyMoney acts as an agent between you and the borrower. As required by the FCA, we have a wind down plan to ensure investors are prioritised for repayment in the event of a closure.

Ready to Invest?

Are you prepared to explore the potential of peer-to-peer lending with easyMoney?
Start your investment journey with us today!