Connect your business directly with individual investors for better rates, flexible terms, and funding from £5,000 to £250,000.
The benefits of community-powered lending for your business
Direct matching with investors can lead to more favorable interest rates compared to traditional lending sources
Funded by real people who believe in your business vision, creating a network of advocates and potential customers
Our P2P platform considers more than just credit scores, giving businesses with unique circumstances better access to funding
A transparent, efficient process to connect businesses with investors
Submit your business loan request with details about your company, funding needs, and how you'll use the loan.
Once approved, your loan request is listed on our marketplace where individual investors can view and fund your loan.
Multiple investors contribute portions of your requested amount until your loan is fully funded, typically within a few days.
Make simple monthly repayments through our platform, which automatically distributes funds to your investors.
Flexible funding for various business needs
Fund growth initiatives including opening new locations, entering new markets, or scaling your operations
Acquire essential machinery, technology, or specialized equipment to improve your production capabilities
Cover day-to-day operational expenses, manage cash flow gaps, or prepare for seasonal fluctuations
Purchase stock to meet customer demand, take advantage of bulk purchase discounts, or expand your product lines
Consolidate existing higher-interest business debts into a single P2P loan with potentially better terms and rates
Fund strategic marketing initiatives to grow your customer base, increase brand awareness, or launch new products
Transparent terms and competitive rates through crowd-sourced funding
| Loan Feature | Details |
|---|---|
| Loan Amount | £5,000 - £250,000 |
| Interest Rate | From 6.2% APR (Representative example) |
| Loan Term | 1 - 5 years |
| Decision Time | Initial approval within 72 hours |
| Funding Time | Typically 3-10 days (depending on loan size and investor interest) |
| Fees | 3% origination fee, no early repayment penalties |
*Representative Example: £50,000 at 6.2% APR over 3 years with monthly repayments
Apply NowRequirements to access P2P business funding
Minimum 1 year in business with demonstrated revenue generation
A clear business plan, growth strategy, and compelling story that will appeal to potential investors
Demonstrated ability to meet loan repayments based on your business cash flow
Understanding what motivates P2P investors to fund your business
Investors are looking for attractive returns on their capital, which typically range from 5-12% annually.
Many investors prefer to fund businesses in industries they understand or are passionate about.
A compelling narrative about your business journey and growth plans can attract more investors to your loan request.
Many P2P investors care about supporting businesses that create jobs, provide innovative solutions, or have positive social or environmental impacts.
Businesses that thrived with P2P funding
Sustainable Packaging Manufacturer
"We needed £75,000 to purchase specialized equipment for our eco-friendly packaging line. Traditional banks were hesitant about our new technology, but through P2P lending, we found 87 investors who believed in our vision. The funding came through in just 8 days, and we've since expanded to serve clients across Europe."
Specialty Food Retailer
"After a challenging year, we needed to restock inventory but our bank was unwilling to extend our credit line. Through P2P lending, we secured £35,000 in just 5 days. What surprised me most was the number of investors who became customers after learning about our artisanal food products through the platform. It was funding and marketing in one!"
IT Services Company
"My IT services company had a credit hiccup a few years ago, which made traditional financing difficult. Through Integra's P2P platform, we secured £120,000 from 213 investors. The best part was the flexibility—we were able to negotiate terms that aligned perfectly with our client payment cycles. Two years on, we've doubled our team and completed the loan early."
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about P2P business lending
P2P lending connects businesses directly with individual investors through an online platform, removing the bank as intermediary. This often results in more competitive rates, alternative approval criteria, faster funding, and more flexible terms since terms are determined by a marketplace of investors rather than a single institution's policies.
If your loan doesn't reach 100% funding within the designated funding period (typically 14 days), you have several options: accept the partial funding that's been pledged, extend the funding period, or decline the funding and withdraw your application. Our P2P specialists will advise on the best approach based on your specific situation.
Yes, you can repay your loan early with no penalties. You'll only pay interest on the time you've had the loan, which can result in significant savings if you're able to repay ahead of schedule. Early repayment also strengthens your credit profile on our platform for future funding needs.
The most successful loan listings include a compelling business story, clear explanation of how funds will be used, demonstration of repayment ability, engaging photos or videos of your business, transparent financial information, and a personal touch that helps investors connect with your vision. Our team provides guidance on optimizing your listing before it goes live.
Investors see your business name, industry, years in operation, loan purpose, financial summary (not detailed financials), risk category, and your business story. We protect sensitive information while providing enough detail for investors to make informed decisions. You control what personal aspects of your business journey you wish to share.
