The power of trust in P2P lending
Unlike traditional banks, peer-to-peer lending platforms are not covered by the Financial Services Compensation Scheme (FSCS), meaning investors must have full confidence in their chosen platform’s risk management, transparency, and liquidity. The ability to withdraw funds efficiently, particularly in times of uncertainty, is crucial.
For the past eight years, easyMoney has built a reputation as one of the most trusted names in P2P lending. With a sharp focus on rigorous risk management, transparent investor communications, and a highly active secondary market, easyMoney has continually set itself apart in the sector.
According to Jason Ferrando (pictured), chief executive of easyMoney, the company’s secondary market has played a key role in establishing investor confidence.
Read more: easyMoney reaches £400m in lending
“While some competitors suspended operations during the pandemic, we remained open, providing continuous liquidity when investors needed it most,” Ferrando explains.
“That resilience reinforced investor trust in easyMoney and demonstrated our platform’s strength.”
Liquidity is a core strength of easyMoney’s secondary market, with most investors able to sell their loan parts within 24 hours. Even at the peak of market volatility in early 2020, transactions completed within two weeks at most. During the second UK lockdown, the longest wait time was four days – a testament to the stability of easyMoney’s investor base.
“This liquidity is underpinned by a strong base of high-net-worth individuals (HNWIs), who saw the long-term value of their easyMoney investments even during market turbulence,” Ferrando notes.
Read more: easyMoney posts 86pc rise in profits
“While some retail investors withdrew funds amid uncertainty, our institutional-grade investors maintained confidence, ensuring continued market stability.”
easyMoney is the largest Innovative Finance ISA (IFISA) provider in the UK, managing over £90m in IFISA investments alone, with more than half being backed by HNWIs. All platform investors collectively earn £1.5m in interest per month, with a third of that benefiting IFISA account holders.
“We have built a strong presence in the IFISA market by delivering consistent returns and ensuring investor confidence in our platform,” Ferrando says.
To date, no investors have suffered a loss on their capital from investing on easyMoney’s platform. This, Ferrando explains, is due to the company’s disciplined risk management and every loan being secured against UK property.
“Zero capital losses – a rare achievement in P2P lending – highlights our disciplined approach to risk,” he says. “Every loan is secured against UK property, and our rigorous underwriting process ensures only the most creditworthy borrowers are approved.”
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Beyond strong financial fundamentals, Ferrando believes the easy brand plays a crucial role in investor confidence.
“There are many reasons investors choose easyMoney,” he says. “Eight years, zero losses, and a track record of strong returns. We have a brilliant UK-based team, proprietary in-house technology, and a brand investors trust.
“People associate ‘easy’ with reliability – they fly with easyJet and feel safe, and that brand credibility extends to easyMoney.”
Looking ahead, easyMoney is on track to become the first IFISA provider to surpass £100m in investments, reinforcing its market dominance.
“Expanding our reach is the next step,” Ferrando says. “We’d love to bring our model to a broader European audience.”
With an unparalleled track record, a zero-loss reputation, and a growing investor base, easyMoney is setting a new benchmark in global P2P lending – one built on trust, performance, and resilience.
