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Peer-to-Peer Lending

What is Peer-to-Peer Lending?

Peer-to-peer lending (or P2P lending) gives more established businesses the opportunity to raise funding from private investors, providing an alternative method to traditional bank lending.

Funding is provided as a loan – or multiple loans depending on the sum required – to help businesses secure the finance required to fulfil a wide range of business purposes, for example to purchase new machinery, buy new stock or fund a new order.

Private investors effectively bid for your custom through an auction, often on peer-to-peer lending sites. They cite the sum they’re prepared to offer and quote their required interest on the loan. As bidding intensifies investors will commonly drive the interest rates down – often below those offered by traditional lenders – leaving you with a choice of partners to work with.

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What are the benefits of peer-to-peer lending?

  1. P2P lending sites provide fast access to funding
  2. The finance secured can be used for a range of purposes
  3. Typically easier and faster to secure than traditional bank loans and overdrafts
  4. Interest rates can be more competitive than those offered by high street lenders
  5. Interest rates are fixed, to help with cash flow forecasting
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Is a peer-to-peer lending site right for my business?

The P2P lending market continues to grow and provide businesses with a real alternative to traditional finance. But with a large number of peer-to-peer lending sites to be found, knowing where to turn isn’t always straightforward.

As a commercial finance broker, we can introduce your business to the most suitable solution for your requirements, whether that’s a peer-to-peer platform or something that’s a bit more tailored.

Call us on 0800 9774833 or email info@hiltonbaird.co.uk to find out more about how we can help.

We were really impressed with the speed at which we could get a facility in place. Hilton-Baird recognised and related to our situation and worked with speed and efficiency to get us up and running.

Steve Marney, Managing Director, South East Construction & Recruitment

Some of the funders we work with

  • Nucleus Commercial Finance
  • IGF Invoice Finance
  • Peak Cashflow
  • Creative Capital
  • ABN AMRO Commercial Finance
  • Asset Advantage
  • Gener8 Finance
  • Regency Factors
  • Shawbrook Business Credit
  • PNC Business Credit
  • iwoca
  • Woodsford Tradebridge
  • Catalyst Finance
  • Investec
  • Partnership Invoice Finance
  • Secure Trust Bank
  • Lloyds Bank Commercial Finance
  • 1pm
  • Team Factors
  • InvoCap
  • Berkeley Trade Finance Ltd
  • Skipton Business Finance
  • 4Syte
  • Trade Finance Partners
  • Davenham Trade Finance
  • Aldermore Invoice Finance
  • Pulse Cashflow Finance
  • Close Brothers Invoice Finance
  • GapCap Cashflow Finance
  • Ultimate Finance Group
  • Barclays
  • Positive Cashflow Finance
  • Giant
  • Innovation Finance
  • Davenham Asset Finance
  • Calverton Finance
  • Spotcap
  • Santander Corporate & Commercial
  • MarketFinance
  • Merchant Money
  • Roma Finance
  • Metro Bank SME Finance
  • Boost Capital
  • Bibby Financial Services
  • Royal Bank of Scotland
  • Haydock Finance Ltd
  • Leumi ABL

Authorised and regulated by the Financial Conduct Authority (FCA number 730445)
We are a credit broker and not a lender and offer credit facilities from a panel of lenders

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