Business Details
14 Years
experience
Peer-to-Peer Lending & Crowdfunding Solutions in London
We are a UK-based peer-to-peer lending and crowdfunding platform connecting individual lenders with small and medium-sized businesses seeking growth capital. Established to address the funding gap left by traditional banking, we specialise in facilitating flexible loans up to 3,000,000 while offering investors opportunities to earn competitive returns. Our platform is regulated by the Financial Conduct Authority, ensuring compliance with stringent financial standards. Through our Innovative Finance ISA, we enable tax-free investment opportunities with projected yields of 6-10% annually. Our team combines decades of financial sector expertise with a commitment to supporting British business development.We maintain transparent risk disclosures and provide secondary market loan trading options for investor flexibility. Our credit assessment processes prioritise loan security while maintaining borrower accessibility. We operate with full regulatory compliance and maintain detailed performance statistics for investor due diligence. Our loan book demonstrates a weighted average net AER of 6.46% with ongoing focus on A+ rated secured loans. We provide comprehensive educational resources to help investors understand P2P lending dynamics and market risks.
Services
Peer-to-Peer Lending
Crowdfunding
IFISA Management
Business Loan Origination
Secondary Market Trading
Details
- Year established: 2012
Highlights and features
- We are FCA-authorised and regulated for financial services compliance
- Our secondary market allows loan portfolio flexibility before maturity
- We offer tax-efficient investment through Innovative Finance ISA options
- Our team has decades of SME lending and asset management experience
- We maintain transparent risk disclosures and performance statistics
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Peer-to-Peer Lending
Our peer-to-peer lending service connects investors with UK businesses seeking growth capital. Investors can earn projected annual returns of 6-10% through secured business loans. The platform maintains rigorous credit assessment processes and offers secondary market trading flexibility for lenders.
Innovative Finance ISA
Our IFISA service provides tax-efficient investment opportunities through peer-to-peer loans. Investors benefit from annual returns of 6-10% completely tax-free within the 20,000 ISA allowance. The service includes loan portfolio diversification and performance tracking tools.
Business Loan Origination
We facilitate business loans up to 3,000,000 for UK SMEs seeking growth capital. Our streamlined application process offers faster decisions than traditional banks, with flexible repayment terms. Loans are secured against business assets where appropriate.
Secondary Market Trading
Our secondary market platform enables lenders to buy or sell existing loan tranches before maturity. This provides liquidity options for investors while maintaining access to diversified loan opportunities. Transactions occur with transparent pricing mechanisms.
Crowdfunding Services
We offer crowdfunding solutions for businesses seeking alternative financing. Our platform supports both debt and equity crowdfunding models with regulatory compliance. Investors gain access to vetted opportunities across various industry sectors.
People
Laura Jones
Chief Operating Officer
25 years in asset management with expertise in operational management and compliance. Former executive at major financial institutions and founder of a successful domiciliary care business.
Ricky Anand
Head of Credit
Experienced finance professional specialising in SME risk analysis. Former HSBC executive with comprehensive knowledge of commercial lending and credit assessment processes.
David Taylor
Chairman
Urban regeneration expert and serial entrepreneur. Former London 2012 Olympics development leader with extensive board-level experience in commerce and public sector organisations.
Nicola Horlick
Chief Executive Officer
30-year City fund management veteran. Established multiple investment businesses and currently leads a private equity firm while serving in NHS leadership roles.
Robin Wight
Non-Executive Director
Advertising industry pioneer and founder of WCRS and Engine agencies. Recognised for creative leadership and contributions to youth creative education initiatives.
Questions
Is my investment protected with Money&Co.&Co.&Co?
Investments through Money&Co.&Co.&Co. are not covered by the Financial Services Compensation Scheme. Capital is at risk and returns are not guaranteed.
What returns can I expect from P2P lending?
Projected annual returns range from 6-10% gross before fees and expected bad-debt rates. Actual returns depend on loan performance and reinvestment frequency.
How does the IFISA work?
Our Innovative Finance ISA allows tax-free investment up to £20,000 annually. Interest earned from P2P loans within the ISA wrapper is completely tax-exempt for UK investors.
How long does loan approval take?
Loan decisions typically occur faster than traditional banking processes. The exact timeline varies based on application completeness and credit assessment requirements.
Are there fees for using the platform?
We charge a 1% annual repayment fee on loans. Secondary market transactions incur a 0.25% fee. No additional hidden charges apply to lending activities.
What security measures protect my investment?
We prioritise secured loans with asset backing. Our loan book maintains weighted average net AER of 6.46% with ongoing recovery processes for defaulted loans.
Videos
Reviews (3)
Hayley Gubb
Jan 11, 2020
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Hello friends, i got my loan today, Do you need a Car loan? Do you need Business or personal Loan? contact this company and get your loan Email: trustfinance122@gmail.com or Whatsapp: +13524575992
Lee Loaf Finney
Sep 04, 2019
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Benjie Horlick- Any relation to Nicola Horlick (Founder of Money&Co) ? :D
After reading about this company (Mail on Sunday) I'm looking to possibly invest in the future.
After reading about this company (Mail on Sunday) I'm looking to possibly invest in the future.
Robert Cullen
Aug 02, 2014
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I have another way of making good money for real online. Go to my Facebook page. ( online money maker ) hit the link for the YouTube video that is on there. If it interests you eather hit the other link to register or get back to me & I will explain what to do next. If you are still unsure go to YouTube & search for. My advertising pays. There are loads of videos about it. Let me know if you are interested Over 55,000 members & growing fast