This article showcases our top picks for the best London based Peer to Peer companies. These startups and companies are taking a variety of approaches to innovating the Peer to Peer industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top London Peer to Peer Companies
Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. Zopa works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate.
Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e.
someone lending Â£1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders.
Zopa has received public acclaim as well, having been awarded CNET Technology Awards’ 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK’s Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.
Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).. BBC was founded in 1922 and is based in London, United Kingdom..
Aave (from the Finnish word for “ghost”) is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing. For lenders, the protocol mints ERC20-compliant aTokens at a 1:1 ratio to supplied assets.
Interest immediately starts compounding continuously, represented by a steady increase in the amount of aTokens held by the lender. This interest stream may be redirected to any address, separate from the aTokens that represent the underlying principal.
Aave offers flash loans: trustless, uncollateralized loans where borrowing and repayment must occur in the same transaction. Aimed at developers, this feature could lead to innovative uses of DeFi..
LANDBAY – The full-stack mortgage lender. Landbay facilitates retail, institutional and local government ifnvestment into UK residential mortgages.
They direct-match funding to diversified portfolios via their platform, supporting the growth of quality private rental accommodation throughout England and Wales. Landbay mortgages are originated through a network of accredited intermediaries and via strategic partnerships, including Zoopla Property Group.
Fully authorised and regulated by the FCA. No FSCS.
Capital at risk.. flatfair’s technology makes life easier for agents too, from registration and change of sharer right through to check-out – they’ll also get a commission for bringing on new tenants and landlords too..
RateSetter is a peer-to-peer lending website that allows its users to lend and borrow money directly from each other according to their own interest rates. The business primarily originates unsecured personal loans, and also arranges secured auto dealer financing and property financing.
As a peer-to-peer platform, RateSetter connects investors and borrowers and therefore does not hold deposits or loans on its balance sheet.. Its devices are incredibly expressive, and they’re also accessible.
So whether creators are learning musical skills or honing their technique, they can make music in new ways with ROLI. ROLI investors include Sony Innovation Fund, Foundry Group, Firstmark Capital, Balderton Capital, Founders Forum, and Pharrell Williams (ROLI’s Chief Creative Officer).
Music creation hardware includes: Seaboard RISE 25, Seaboard RISE 49, Seaboard Block, Lightpad Block, Loop Block, Live Block, and Touch Block. Music creation software includes: Equator, Cypher2, Strobe2, and the NOISE for iOS app.
Platform products include the C++ audio coding framework JUCE.. .
Fat Llama is the platform that lets you rent out your belongings to others nearby. Everyday, they connect people who need things, with others in their neighborhood that have it to lend.
They believe in getting people to work together to make the world a more efficient place for everyone. So they are making it quick and easy for people to share their belongings.
Their dream is a platform where all goods – from the everyday to the abstract – can be borrowed within minutes.. They started Chattermill in 2015 at Entrepreneur First and have worked with amazing founding members including Nutmeg, HelloFresh, and Moo to build a pioneering platform for delivering amazing customer experience at scale..
Just-Eat’s parent company is Just-Eat Holdings Limited.. .
TalkLife is a social network that’s saving lives – a mobile platform tackling the global youth mental health crisis. Talklife is fast becoming an industry innovator by embracing smartphone technology and creating a pathway that encourages youth to become transparent with their struggles in an accepting and positive environment, shining light on taboo topics such as depression, self harm and suicide..
Founded in 1997, the company is headquartered in London, England, United Kingdom.. .
onefinestay pioneers of handmade hospitality, for stays in the finest homes. They offer homeowners (their hosts) a way to earn additional income from guests while they’re away, handling everything from marketing to managing their home.
Their guests get a new way to experience a city. They seek out the finest homes, help them book, and meet them when they arrive.
Then they’re available 24/7 during their stay, so everyone has peace of mind. Founded in London in 2009, they’re a fast-growing business with offices in Paris, New York and LA.
They have an ambition – to bring their new category of accommodation to the world, creating a new era of hospitality. And they’re looking for people to help get us there.
People who understand what it takes to build a business from the ground up. Remind you of anyone? Apply within..
CrowdProperty (www.crowdproperty.com) is the leading specialist property peer-to-peer lending platform facilitating loans between private individuals and UK professional property businesses. Actual property development and investment experience lies at the heart of the business meaning hands-on, expertise-led due diligence and loan monitoring.
Lending is focused on the SME property developer market, a key segment for supplying much needed UK housing stock, which is poorly and inefficiently served by traditional funding sources. CrowdProperty is authorised and regulated by the FCA, is an HMRC approved ISA / IFISA manager and is the only property development specialist platform on the Peer-to-Peer Finance Association (www.p2pfa.org.uk) membership, the leading industry body in UK peer-to-peer lending, which in many respects is at the forefront of the development of peer-to-peer lending globally.
CrowdProperty recently became the first and only property development/bridging P2P lender to become Brismo Verified, independently validating CrowdProperty’s market-leading performance, showing significant outperformance of Brismo’s UK P2P Index. www.crowdproperty.com Find out more about alternative finance, peer-to-peer lending, crowdfunding, property and CrowdProperty on the CrowdProperty Blog which includes our series of 40 articles explaining these exciting hot topics: https://blog.crowdproperty.com/.
Established in 2007 the company began as ‘My Video Rights’, and were leaders in online Rights Management and multi-platform video distribution and monetization. The company have offices in London, Los Angeles, Madrid, Paris, Berlin and Sydney, and plans further expansion in 2013.
The team at Base79 are YouTube Certified, and received five original programming grants from YouTube to become their largest original content providers.. Remind you of anyone? Apply within..
Fund Ourselves is a mission driven financial technology company providing a market place offering affordable short-term consumer credit to hard working families. Our mission is to offer better, more flexible and more affordable short-term loans for hard working families.
Being a marketplace, lenders on the other hand get better returns on there investment with the short-term investment flexibility and a provision fund cover. Being a marketplace peer-to-peer lender, Fund Ourselves is basically helping with financial inclusion while funnelling the short-term lending returns back to the society.
We are a small group of passionate techies, credit geeks, designers, marketers, lawyers and compliance experts with a shared vision to make change to the consumer credit market. Fund Ourselves is a FinTech business authorised and regulated by the Financial Conduct Authority (FCA) with full authorisation.
Fund Ourselves is the trademark and trading name for Fund Ourselves Ltd.. Victor only works with operators that can offer members the highest standards of safety, security and service.
The innovative, rapidly growing company has developed a strong luxury identity through strategic partnerships with the world’s leading luxury brands, including Belmond, Burgess Yachts and Etihad Airways. Victor’s ‘ultra high net worth individual’ members include everyone from prominent entrepreneurs and CEOs to high-profile celebrities and VIPs.
Victor has achieved three-year average sales growth of 142.93% per annum and was ranked number 15 in the 2015 Sunday Times Hiscox Tech Track 100.. To find out more or discuss your use case with us, visit: www.arria.com..
HouseTrip is one of Europe’s largest holiday rental websites, with over 300,000 properties to choose from in thousands of destinations worldwide. HouseTrip makes it easy for guests and homeowners to find, book and list holiday rental properties securely online.
Founded by husband and wife team Arnaud Bertrand and Junjun Chen, HouseTrip went live in January 2010 and has since seen over 6,000,000 nights booked. There are HouseTrip offices in the UK (London), Switzerland (Lausanne) and Portugal (Lisbon.) HouseTrip recently received $40 million in Series C funding led by Accel Partners with existing investors Balderton Capital and Index Ventures..
They make this possible by continuously analysing behaviour, developing this into insight and then intelligently acting on this unparalleled knowledge. The result? Consumer-centric solutions that attract the right audience, with the right message at the right time, meaning more value for your customers, your business and for you.
Regardless of your size or sector, their passion is to deliver meaningful growth for your business online by understanding the value of a single action.. .
Hive Learning is an award-winning peer learning platform. Our approach uses peer accountability to create deep emotional connections with learning and embed lasting culture change.
We create peer learning programmes, specialising in inclusion, wellbeing, and leadership development; and peer learning networks – best practice communities that scale knowledge sharing to drive innovation. This formula helps organisations radically accelerate the adoption of culture-critical skills at scale.
Hive Learning is proud to count the likes of Legal & General, the 30% Club, and Deloitte among its customers. Visit www.hivelearning.com to learn more..
O’Hear left the company in February 2012.. .
British Pearl aim is to meet changing consumer preferences by offering competitive property backed share and loan investments online. CUSTOMER PROPOSITION • British Pearl’s online platform enables investment into UK property in minutes, as a shareholder or a lender, from £100.
• Shareholders receive monthly net rental income and a share of any capital appreciation on exit. Lenders receive fixed monthly interest and benefit from a charge against the property.
• Shares and loans can be traded during the term of the investment on the Resale Market. • The platform also provides SME property developers with access to equity and debt capital for their projects, all in one place.
• British Pearl is not a marketplace or matching platform. It is not crowdfunding nor is it a P2P lending platform.
It is an asset manager.. Winner of the Payment Awards 2015 Mobile Payment System of the Year..
Coinfloor investors include globally recognised venture capital firms and strategic investors. They are proud to have attracted funding from Passion Capital and Taavet Hinrikus.
DogBuddy is Europe’s leading peer-to-peer marketplace for dog home boarding connecting dog owners with vetted, insured and reviewed dog sitters in their local area. Owners can use their website or iOS/Android app to book overnight boarding or daytime sitting with one of 30,000+ rated and reviewed sitters in the UK, Spain, Italy, France and Germany.
The platform is used by over 500,000 dog lovers across Europe. The dog sitters undergo a robust vetting process and all bookings are covered by comprehensive pet and liability insurance and emergency support for the ultimate peace of mind.
DogBuddy sitters have an average review rating of 4.98, rated by dog owners who’ve used the service.. .
Vertex is a peer to peer marketplace where users can buy and sell cryptocurrencies.. It serves as the European front for Bazaar Daily News, enabling the company’s immense presence throughout the region.
Mohammed Sultan H. Khane who founded each of the 6 news agencies that bear his name, controls the subsidiary.
The collection of newspapers first began in 2002 under the name Fashion Bzaar as a periodical written school assignment and then evolved into what was FashionBzaar.net 4 years later; followed by Bazaardaily.com, and then Bazaardaily.co.uk, and then Bazaardailynews.com all of which remain owned by the same students. The name of their brand pays homage to a Middle Eastern shopping market “Bazaar” and a daily news periodical which creates “bazaar daily news.” At least one of their websites is a marketing firm while the others are all newspapers..
Keakie was founded in 2016 and is headquartered in London, England, United Kingdom.. .
Borrow A Boat
The web’s newest and most exciting peer-to-peer marketplace for boat rentals, “the airbnb of boats”. Borrow from a wide selection of high quality boats, for less than you thought possible, quickly and easily.
Everything from a rib up to a Superyacht and everything in between is available and can be booked effortlessly with or without a skipper. Boat owners have the opportunity to make extra revenue to cover the cost of boat ownership in a safe and manageable way.
www.borrowaboat.com. _Decreasing Churn_ We help your subscribers get the most from their devices with award-winning news utilities that offer frictionless access to engaging content.
As such, we are able to dramatically increase network usage and decrease churn. We do not believe that one size fits all.
We adopt a fully – integrated approach to ensure a product-market – fit by working with our partners to understand their subscribers from day one, integrating data sets and determining which technologies are most appropriate for each device type, usage habits and demographic.. .
Love Home Swap
Use your home to travel the world for free with Love Home Swap – the world’s biggest online travel club. Members can choose from 54,000+ stylish homes in city and holiday destinations in 160+ countries worldwide – and the very best levels of service before, during, and after their stay..
Get full reach without the need to pay for ads, share your fan data or be concerned with privacy issues. These tools enable true multi-channel engagement and monetisation through premium content aimed at fans.
The app allows fans to purchase digital fan club subscription packages on a recurring monthly or yearly basis. This in turn gives access to exclusive content, communication and feedback from artists; video blogs, pre-sale tickets and allows sale of merchandise during events for collection after the show..
CertiVox’s leading-edge solutions – including MIRACL (Multiprecision Integer and Rational Arithmetic C/C++ Library) Cryptographic SDK, on-demand encryption Key Management Service (KMS) and Identity Management Service (IDMS) – enable cloud service providers, independent software vendors (ISVs), communication providers, and smart device and semiconductor manufacturers to secure their voice and data communication solutions with ease. The PrivateSky Secure Information Exchange Service (SIX) gives individuals, businesses and their partners and customers easy-to-use tools to quickly encrypt email, files and documents without complex infrastructure or user burden.
Compliance with mandatory encryption and privacy statues has never been easier. The bottom line: CertiVox’s revolutionary certificateless cryptography, identity and key management solutions have taken the hassle out of Internet security, making it easy to securely exchange your information in any form, any time..
Myrentboat.com is a booking and rental system for boats, catamarans, mega yacht including crew, skipper and insurance. Rental through myrentboat.com is very easy, maximum convenient and transparent process with online booking as like booking com.
Our company was founded in 2019 by two principals which have excellent experience in sailing, yacht rental business and marketing . We have great experience with the online booking business model and international operations in Europe, USA, Russia and Asia.
The Company’s technology and service infrastructure were developed in-house and is scalable for global growth. The top visitor-rate of Myrentboat.com is over 5,000 visitors per month and above 100 the charter request per month (report dated 25th June 2020).
Our forecast is 150,000 visitors and 5,000 the charter request in nearest year The Company also attracted over 5,000 Instagram/Facebook visitors. In 2019, our company secured financial support from current principals in order to develop our site.
During the past year, it has made considerable progress and is ready for first investment round. Customers can currently choose from more than 25000 ships worldwide online and more than 500 destinations in 47 countries across the globe – all in 7 languages with the best prices on the market, and customer service seven days a week in the local language.
Myrentboat.com has the not largest own catalogue of boats on the market, but we are still working under its increasing. All the boats are directly contracted with the charter and insurance companies.
Moneybaba operates exclusively online and focusing on responsible lending and facilitating access to credit across emerging countries. Moneybaba offers real-time loans to individuals with limited financial history..
It allows for direct bookings and is a fully functional marketplace built to give control back to the end-user. Gigzoo is designed to allow talent to build a career on their own terms with guaranteed payment for every gig and complimentary on-demand Public Liability Insurance powered by Zego.
In partnership with Passbase and Mango Pay, GigZoo is a secure and technologically advanced talent booking platform on the market.. We deliver these interactive visual experiences in standard web pages, on any device – no downloads, no wait times.
So people can really see and experience things before they buy them.. .
PayMet charges directly to your card in the most secure way. You’ll love it because it rewards you for going back to your favorite places..
They are training deep neural networks to understand music composition at a granular level, so that they can build tools to aid creativity.. The Evolok suite contains three interlinked modules synchronized to create an online information, permission and verification eco-system: – Identity Management (Single & Social Sign On, User Profiling) – Access Management (metering, paywall, device-based access) – Integration – plug-in to payment, crm datawarehouse marketing platforms.
Midpoint, the world’s first authentic peer-to-peer (‘P2P’) international foreign currency and payments platform.. Screenburn have released feature films for studios and distributors worldwide, along with concert films for bands such as The Rolling Stones and Paul McCartney.
Screenburn was founded to help content owners monetize their existing audience, find new fans and increase distribution of video content.. We are a global consulting firm with a headquarters in London, providing clients with compliance advisory services from offices in the UK, Singapore and Estonia.
Our team includes experts certified by ACAMS and ICA, the gold standards of AML qualification. We work with leading financial and regulated companies across fintech, payments, crypto, gaming, trading and other AML-regulated sectors..
All you need to do is invest the money as a syndicate online, and we buy the tickets for you, and our notifications mean that you don’t have to spend time remembering to check your winnings. According to The National Lottery, 1 in 5 jackpots are won by syndicates, so it makes sense to boost your own chances of winning by joining one.
All you need to do is register with us, choose a plan that works for you, and let us do the rest. You can create your own syndicate with a group of friends and family, or join an existing one.
While your syndicate size might change from week to week, there will never be more than 49 players at any one time, in order to keep the amount of money you could win as high as possible. All members gain access to exclusive offers and draws, and even have the option to play instant Win & Skill games, which give you even more chances to win big.
Brismo brings efficiency to the market in loans, enabling loan originators to create credible performance metrics, and investors to deploy capital more productively and cost effectively. They have the broadest market coverage, working with originators of loans – from SME and consumer, to real estate and receivables – and providing market leading performance metrics to a range of investor clients.
Since launching in the UK in 2014 their methodology has gained traction globally. They now cover over 65% of UK and European marketplace lending, over 50% of US marketplace lending, and are extending coverage to additional geographies, origination models, and loan types.
They recently expanded into ‘direct lending’ and have also created metrics dedicated to reviewing the performance of real estate lenders. They are the sole providers of a standardised, like for like comparable, loan performance track record enabling for standardised measurement of both return and risk.
Their geographic performance indices have gained traction amongst investors seeking to benchmark loan investment performance and represent the only way to measure the performance of the asset class.. .
TUL is the app which allows businesses and individuals to share all sorts of construction tools (“TULs”), giving them the opportunity to find anything needed in their neighbourhood or to start earning money from stuff that they already own. By borrowing and lending TULs directly on this platform, you, your neighbours and anyone else can set transparent and competitive prices..
Advertisers, and creative agencies use the Specle web site to find out the exact technical & individual requirements to enable them to prepare print, digital out-of-home and digital editions advertising correctly. They can then pay to use Specle’s services to upload, validate, then deliver advertising directly to the publisher – in some cases, directly into the flat plan of the publication.
Specle is known to provide simple, elegant, yet sophisticated technology for creative customers. The systems are designed to work both for one-time advertisers, all the way through to large advertising brands delivering hundreds of ads a day.
It is a highly customer focused business and the team works closely with businesses to come up with targeted solutions, and provides unparalleled levels of support to both and large customers.. .
BuckleUp makes travelling better by enabling fellow passengers to chat and more without internet. In addition to the classical Dating Apps features, from swiping to hyper location and nearby matching, users can enjoy BuckleUp online or offline, Underground or Up in the Air.
Get Ready to swap your Candy Crush for a real Crush! AirDates was launched in 2015 and is based in London, United Kingdom.. The group also has outdoor media companies with an extensive portfolio, combining airports, roadside posters, premium digital screens in prime locations, and more.
It was headquartered in London, England in 2007.. We avoid SMS verifications due to SIM-Swap Fraud and Social Engineering..
In comparison with old-school rental shops borrowing items via BorrowPort is much cheaper and more efficient. In addition it gives the possibility to earn money on their rarely-used items.
The main mission of the company, is to provide people with the opportunity to share the items they use and monetize it, allowing neighbour’s and people around them to get the desired effect. This significantly saves users funds and resources.
The company was founded in 2019 and is based in London.. .
This can be used to continuously improve business operations, increase landlord/tenant satisfaction and drive innovation. By enabling applicants to engage directly with previous tenants, RentAware aims to set new standards within the rental sector..
PRYYNT successfully raised its first round of angel funding from private investors to build its business and is well positioned to access growth capital to scale rapidly.. .
Wellesley Group launched in June 2013 and has grown to become a prominent player in the alternative property finance space, an asset class traditionally dominated by the high street banks. An independent British business, Wellesley facilitates access to credit for creditworthy small and medium-sized enterprises (SMEs) who undertake property development activities across the UK in the property sector.
Within Wellesley Group, Wellesley Finance provides property development finance. It takes security over a property developer’s project and monitors the construction on a regular basis.
Wellesley Finance receives its funding from retail investors who invest in retail bonds that it has issued directly. It also employs Peer-to-Peer lending investments which are operated by Wellesley & Co Limited.
Both Wellesley Finance Plc and Wellesley & Co Limited are subsidiaries of Wellesley Group Investors Limited.. Telegraph Media Group is one of the UK’s leading consumer brands.
It continues to be a brand of choice for the UK’s job seekers and is recognised for its strong product offering which includes the Daily Telegraph (the UK’s biggest selling quality newspaper).. .
LendingWell offers a single platform for both retail investors and independent financial advisors to access, analyse and invest into the broad P2P lending market, through a single sign-in to a LendingWell account.. DMG media publishes a daily newspaper, an English-language newspaper, and a sunday newspaper as well as a daily online vouchering website..
Their aim to fill this gap in the market thus creating a comprehensive picture of the region’s art scene that can bring closer the CEE art market to the western audience.. .
Founders’ Network is a peer-to-peer network for early-stage tech entrepreneurs to grow a business is through the power of networks. Founders’ Network helps facilitate connections between like-minded entrepreneurs in cities and throughout the UK, through local, monthly meet-ups, and the national founders’ Slack community.
It is an online community where entrepreneurs can feel safe to ask questions without judgement. By organizing connections, fellow entrepreneurs and founders are able to offer invaluable advice to help others overcome a challenge or unlock a potential in an idea..
Their research chemicals are all stocked from numerous chemicals factories around the globe – no middle men, no impurities like you may find with many other vendors. They are a part of one of the largest group of Research Chemical distributors in Europe and as a result order large quantities of research chemicals such as Methiopropamine, Benzo Fury, Pyrazolam and Etizolam, getting them cheaper and as a result can pass on the savings to their customers..
Our mission is to create a public platform where people will help each other! Some will do profitable shopping, others will make money away from home. Every day people travel by air, cars, ships and trains, while other people go shopping and buy different products they dream about.
Often these products are more expensive than in another country, their quality may not fully satisfy us, and sometimes they are not available at all. And, we decided to connect them – travelers and buyers, so that they would help each other and live in symbiosis.
Any trips are always connected with the costs: food, hotel, transport, souvenirs, tickets to the museum. Thanks to the tradechum application, the traveler will be able to get extra money on entertainments if he delivers the buyer’s order.
Thanks to us you will experience something more than ordinary shopping, like “”click – buy – wait for a package””. With us you get a unique opportunity to meet people from different cultures and countries, as well as get everything that was not available to you before.
Each profile is carefully verified by us, so buying and earning money has never been as safe as it is now. Trust us, join us and let’s create a better world together!.
About the team: We realised we could reinvent how companies communicate with their clients by making use of the latest technology. Teebly’s team previously built customer-facing e-banking systems and holds degrees in Machine Learning (Artificial Intelligence) and Technology Entrepreneurship.
ZipRelay solves the problem of instant deliveries for any individual or even companies. Deliveries that would otherwise be either impossible or very costly to send.
Users use ZipRelay for sending time sensitive material and off-time deliveries as well, when couriers companies and postal services do not work. For example; at night or even weekends.
ZipRelay is a friendlier and fun way to send stuff around your neighbourhood, town or even state. It all depends if there is a ZipRelay verified deliverer on that particular route at that time.
ZipRelay connects two types of users; simply known as senders and deliverers. A sender would generate a query for a particular route by entering the origin and destination zip code.
and mentioning which type of vehicle is required to deliver the package. When his results match the particulars of a deliverer who has made himself available on the ZipRelay website, the sender can immediately schedule their delivery by paying conveniently either by credit card or Paypal..
You may write to us at: BestStartup.co.uk/Fupping Ltd, 349 Royal College Street, London, England, NW1 9QS.