The Money Platform

The Money Platform: peer-to-peer lending for financial inclusion in the UK

The Money Platform (TMP) is a UK-based peer-to-peer (P2P) lending platform that connects investors seeking alternative investment options with creditworthy borrowers who need short- to medium-term personal loans. Its offering is built around three areas: invest, borrow and learn about personal finance.

Business model and value proposition

The platform cuts out the traditional banking intermediary and allows individuals and companies to lend money directly to borrowers. According to its presentation, millions of people in the UK are excluded from conventional finance and cannot access fair credit; the company's stated mission is to correct this situation. To this end, it has developed its own credit assessment system, the TMP Score, which assesses applications using criteria different from those of traditional credit scores, which are based on past history. This approach makes it possible to accept applicants who are often left out of conventional credit, typically younger people and migrants in the UK without a significant credit history.

Investor activity

Investors can register on the platform after completing an onboarding process that includes a suitability assessment and a test. If they pass the process, a minimum deposit is required to start investing. The company reports more than 3,000 registered investors and a projected gross annual return of 13.0%. Investments can be channelled through an Innovative Finance ISA (IFISA), which does not reduce the risk of the investment or protect against losses, but allows potential gains to be tax-free. The platform warns that P2P loans are high-risk investments according to the Financial Conduct Authority (FCA): borrowers are often people who cannot access traditional bank loans and have a higher likelihood of default; advertised rates of return are not guaranteed; and recovering capital can take several years, as some loans last that long. There is the possibility of selling the investment early on a secondary market, but there is no guarantee of finding a buyer. The company also notes that, if the platform fails, it may be impossible to collect the loans, and that the Financial Services Compensation Scheme (FSCS) does not cover investments in P2P loans. The Financial Ombudsman Service (FOS) can consider complaints against FCA-regulated platforms, but does not cover poor investment performance.

Borrower activity

Anyone can apply for a loan with The Money Platform. The company states that its credit assessment tools allow it to accept customers who are usually excluded from conventional credit. Once the funds have been transferred, the borrower receives a confirmation email and, according to the platform's information, disbursement can be completed within 2 to 8 hours. The company claims to have given more than 80,000 people access to fair credit.

Recognition and positioning

The company presents itself as a recognised industry leader in developing new credit assessment methods, with seven years of lending activity and decades of collective experience. It was named the winner of the 2023 Financial Inclusion award and was shortlisted for Peer-to-Peer Lender of the Year 2026 in the Alternative Credit Investor Awards. On Trustpilot, the platform reports a 5-star rating based on more than 300 reviews.

User profile and how it works

The platform serves two distinct audiences. Investors, whether individuals or companies, seek to diversify their portfolios and earn returns through direct lending. Borrowers are UK residents facing unexpected expenses or major purchases who cannot access traditional loans because of their credit score, their youth or their status as foreign nationals. The company operates exclusively in the UK market.