FundingKnight: Lending To British Businesses


FundingKnight lends to many types and sizes of British businesses and provides different types of loans, both secured and unsecured

Lending To British Businesses

FundingKnight’s experienced lending team has an excellent pedigree and many years collective experience in commercial lending.  Combining information from a number of public sources with ‘hands on’ assessment and understanding of the businesses, FundingKnight is in a position to hand pick the best loan applications for its lenders. At the same time, the businesses benefit from loan terms that are tailored to suit their individual needs.  FundingKnight believes this is a return to ‘traditional banking values’ combined with an efficient modern internet platform.  Its ‘Shield Rating System’ is designed to give you an indication of the perceived risk of lending to that business.

FundingKnight Chief Executive Graeme Marshall Explains How The Platform Works

How FundingKnight Works

Businesses apply for loans offering competitive finance on flexible terms.  Investors lend directly to British businesses, starting with as little as £25. Each loan is made up of many parts, each owned by an individual investor. Investors build portfolios, spreading their funds across many different loans and businesses to spread risk. Investors have the chance to earn good rates through crowdlending in the UK whilst British businesses benefit from a competitive source of finance.

Fee-Free Lending And Higher Rates Of Return

FundingKnight charges no fees to lend to British businesses.  You’ll be helping channel much needed business funding into the UK economy and getting a better return on your investments at the same time.  As FundingKnight is primarily a web platform, it’s able to keep overheads down.  The final return you receive will depend on the loans you choose, the bids you make and which are accepted, any defaults and any tax that you need to pay (there’s no tax on interest earned by your SIPP or SSAS).

Early Access To Your Money

Loans normally run for between 6 months and 5 years, but it’s possible to access your money earlier. If you need to withdraw your cash, FundingKnight’s Marketplace enables you to sell part or all of your loans to other investors. Please note that all loan parts offered for sale require another investor to purchase them. This means there is no guaranteed access to cash. We charge a 0.5 per cent fee to investors selling all or part of their investment in the Marketplace.

Visit the FundingKnight website for full details.

SIPP And SSAS Lending On Funding Knight

To discover whether investing your SIPP or SSAS money in crowdfunding and peer-to-peer lending is appropriate for your circumstances, please complete all the fields of the form below.

  • Please tick all relevant boxes.
  • For example: Personal Pension with Legal & General; Final Salary Pension with British Telecom.
  • Typically, you'll need to have a fund value of at least £50,000 and better still, around £100,000 to cover the annual fees and to make it economic.
  • Please tick all relevant boxes.
  • I understand SIPPclub will not provide me with any personal financial advice, and that SIPPclub neither advises on nor recommends specific investments or strategies. I accept that SIPPclub's role is to enable me to make informed financial decisions through the provision of information, and where relevant, by referral to providers of products and services appropriate to my needs. I agree to being subscribed to SIPPclub’s weekly newsletters, and I understand I can unsubscribe from them at any time. I’ve read and agree to SIPPclub's Terms and Privacy policies shown in the footer of this web page.

Crowdfunding And Peer-To-Peer Risk Warning

When a platform has been assessed and approved by a SIPP or SSAS operator, this does not imply that any loan or investment opportunity is endorsed in any way. A SIPP or SSAS operator's due diligence review is limited to ensuring the processes and procedures of the platform are in line with both FCA and HMRC principles.  It's entirely your responsibility for carrying out your own due diligence on any loan or investment opportunity before agreeing to lend or invest your pension money on a platform. As a SIPP or SSAS operator will continually review platforms from a regulatory perspective, it's possible for a platform to become 'unapproved' if something changes.

With peer-to-peer lending, your capital is at risk if you lend to individuals and businesses.  You may lose some or all of the capital lent if the borrower defaults and is unable to meet its liabilities. Historic loan default rates are not necessarily indicative of future default rates.  In addition, lending is an illiquid investment, which means you may not be able to access the capital you lend for the duration of the loan period, even if the platform offers a secondary market.  Investing in any business involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdfunding is generally targeted at investors who are sufficiently sophisticated to understand the risks and make their own investment decisions, based on their knowledge, experience and financial capacity. Neither crowdfunding nor peer-to-peer lending is covered by the Financial Services Compensation Scheme. The tax treatment of your investment is dependent on your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of crowdfunding investment or peer-to-peer lending, you should consult a suitably qualified independent financial adviser.


As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.

Please read our full Terms which includes criteria for SIPPclub membership.