RateSetter gives people the opportunity to earn more on their money by allowing them to lend directly, filling a gap for retail investors between low risk, low reward cash and high return, high volatility shares.

The P2P lending platform has topped £2.5bn in loan originations and generated £100m in interest for investors without any losses to investors since it launched.

It also pioneered many firsts in P2P lending, including the Provision Fund model, which diversifies investors’ risk across all active loans and provides protection against bad debt.

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