5 Best peer to peer lenders for UK businesses in 2026

The best known peer to peer lenders for UK businesses in 2026 include Kuflink, Folk2Folk, CrowdProperty, Proplend and rebuildingsociety.com. Peer to peer business lending connects borrowers with investors who provide the funding, although many platforms now combine individual investor money with funding from institutions. The type of funding available varies between lenders. Some focus on property or land backed loans, while others offer unsecured or asset backed business finance. As a result, the amount you can borrow, the security required, interest rates and eligibility criteria depend on the lender and your business circumstances.

This guide compares five peer to peer lenders for UK businesses, including the types of finance they offer, typical loan amounts, security requirements and how their lending models work. It also explains what to consider when choosing a peer to peer lender, including how much you need to borrow, what security you can provide and how quickly you need funding.

Compare the best peer to peer lenders at a glance

Lenders can change their rates and criteria at any time, so treat the figures above as a guide and confirm the current terms with the lender when you apply.

1. Kuflink: best for short term bridging and development finance

Kuflink specialises in short term finance secured against UK property, funded through its own peer to peer investment platform.

• The amount you can borrow is based on the property you offer as security and the specifics of your project, assessed case by case for both bridging and development finance.

• Bespoke finance packages start from a rate of 0.65% per month depending on the product, though your own rate will depend on the property, the loan to value and your circumstances.

• Terms run up to 24 months

• Every applicant is assigned a dedicated case manager, backed by an in house team rather than a wide panel of external assessors.

• You'll need a UK property to offer as security, whether you're raising capital for a business opportunity, a purchase, or bridging while a longer term option completes.

2. Folk2Folk: best for loans secured against land or property

Folk2Folk describes itself as the UK's largest peer to peer lender to business borrowers, funded through a network of local investors across its regional offices, alongside a growing amount of institutional money.

• Loans start from £100,000, with fixed rate, interest only options available

• You'll need to offer land or property you own as security, excluding your main home, and terms run from 6 months to 5 years.

• Funding can be used for many business purposes, with Folk2Folk citing farming diversification, property development, hospitality and manufacturing among its typical uses.

• Applications are handled through a regional network rather than a single national call centre, which can suit a business that would rather deal with someone who knows its local area.

Folk2Folk's £100,000 minimum and land or property requirement make it better suited to an established business with land or property assets than a smaller business looking for a modest working capital top up.

3. CrowdProperty: best for property development and refurbishment finance

CrowdProperty funds UK property development, combining regulated peer to peer investment with institutional capital.

• Development and refurbishment finance runs from £250,000 up to £5,000,000, covering ground up development, heavy refurbishment and light refurbishment.

• A separate bridging finance product is available up to £1,000,000, for purchases, project stages or unlocking capital, secured by a first charge.

• Development and refurbishment finance is available up to 70% of gross development value, alongside up to 100% of build or refurbishment costs.

• HMO and co living projects are typically funded over 6 to 18 months, while larger developments are structured with a tailored drawdown schedule.

• CrowdProperty says it looks at the experience of the development team and the viability of the project, not just the numbers, when assessing an application.

This makes CrowdProperty a good fit for an experienced property developer funding a specific project, rather than a business looking for general working capital.

4. Proplend: best for commercial property loans

Proplend lends against commercial property, funded by a mix of individual and institutional investors through its peer to peer platform.

• Funding runs from £250,000 up to £3,000,000, for a purchase, a remortgage or to release capital against a commercial property you already own.

• Secured against commercial property including offices, industrial units, retail, hotels, medical premises, warehouses and residential blocks.

• Commercial mortgages run for terms of up to 3 years, with bridging finance available over terms of up to 18 months, priced as a fixed interest only rate for the term.

• Proplend structures its lending across loan to value bands of up to 75%, so the total amount available against a property is capped by its value rather than priced as a single flat rate.

• Businesses, limited liability partnerships, pensions and trusts can all apply, alongside individual borrowers.

5. rebuildingsociety.com: best for smaller secured or unsecured business loans

rebuildingsociety.com is a peer to business lending platform funded by a community of individual investors, aimed at smaller loan sizes than the property focused lenders above.

• Loans run from £25,000 to £250,000

• Both secured and unsecured loans are available, with a lower rate on offer if you can provide security.

• It's FCA regulated and describes itself as giving business owners fast access to finance through its community of investors.

This makes rebuildingsociety.com worth a look if you need a smaller loan than most peer to peer property lenders offer, or if you don't have property or land to secure it against.

Which peer to peer lender is right for your business?

Choosing a peer to peer lender isn't just about finding the biggest facility. The right option depends on what you can offer as security, how much you need and how quickly you need it. When comparing providers, consider:

• Security you can offer: Most of the lenders above lend against property or a specific development project, while rebuildingsociety.com also offers unsecured loans, so check which asset types each lender accepts before you apply.

• Loan size: Compare the amount you need against each lender's typical range. rebuildingsociety.com and Folk2Folk both set a six figure ceiling or floor well below CrowdProperty's £5,000,000 maximum, so the right fit depends heavily on scale.

• Loan term: Bridging finance from Kuflink runs up to 24 months, while Proplend and CrowdProperty's bridging products run up to 18 months. Folk2Folk and Proplend's commercial mortgages are built for longer terms, up to 5 years and 3 years respectively.

• How the lender is funded: Every lender above still funds loans from individual investors, though most also blend in institutional money, which can affect how quickly a larger facility gets approved.

• Speed: If you need funds quickly, ask each lender directly for its current timescale, since this depends on how fast your property or project can be valued, not just the lender's internal process.

Compare peer to peer lending through Capitalise

If you're comparing peer to peer lenders, Capitalise can help you explore your options in one place. Apply for business finance and we’ll match you with suitable options from our panel of more than 130 UK lenders, based on your business, funding needs and circumstances. You’ll see the options available to you, so you can compare the funding and decide which works for your business. You’ll also have support from a dedicated funding specialist, who can help you understand your options and guide you through the application process. There’s no obligation to accept an offer, so you can explore your options before deciding how to proceed.