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In our last post, we explained how our platform works. Now, we’d love to share why it works.

Invest with a clear conscience.

With rebuildingsociety.com, you control your investments, lending to businesses you choose. No more blind funds which may invest in industries or companies that you find unethical

Businesses provide detailed information about who they are and what the loan will be used for. This information is available for all to see. Lenders are encouraged to ask questions and learn more about the businesses they lend to.

Support the local economy.

Investing in small and medium-sized British businesses boosts the UK economy. You may also select businesses local to you.

Choose your level of risk and return.

Although there is the risk of delayed repayments and default, you will normally earn higher levels of interest than with traditional savings and investments. We have over 10 years of lending history, and although past performance may not be an indicator of future performance, we would generally expect our credit assessment process to filter out most uncreditworthy loans.

For all of our loans, the higher the risk rating, the higher the maximum interest rate allowed for that loan.

Option to divest.

There are no fees to withdraw your funds. We also operate a Secondary Marketplace where you can sell microloans to other lenders. Most secondary markets don't allow you to configure a premium or discount, allowing you to influence demand. For example, if you are not in a rush for your cash you can sell at a premium, or when you need the cash fast you can sell at a discount and this will normally clear immediately if your sale matches someone else's BuyPal rules.

Know the facts.

We believe in transparency.

We publish lender average net returns on our blog every month. Our stats page lists the average net return across public and private loans, bad debt over time, microloan trading, and more.

Lenders can also put questions directly to the borrower in our discussion forums.

Automated tools.

Short on time? BidPal is our optional automated lending tool that allows you to lend funds more easily to businesses listed on the Primary Marketplace. The BuyPal tool, should you choose to activate it, will automatically buy microloans (matching your criteria) as they become available on the Secondary Marketplace.

These tools help to ensure that your funds are being continually lent out to opportunities that match your pre-set preferences, meaning your money will always be earning (subject to new loans and demand on the marketplaces).

Secured loans.

All loan applications go through our rigorous credit assessment process, with the majority rejected. When we approve a loan for listing on the platform, it will carry a minimum level of security in the form of at least one director's personal guarantee.

Larger loans require more security. Detailed loan profiles also help you to carry out your own due diligence.

BuyBack Guarantee.

Benefit from additional peace of mind thanks to the BuyBack Guarantee. A BuyBack Guarantee is an agreement between lenders on the Secondary Marketplace; the seller will buy back the microloan should the loan default.

The purchaser buys the microloan at a premium for the benefit of this reassurance.

Trust.

We are a trusted partner of local councils, including Leeds City Council and Basildon Council, supporting local enterprises with institutional and public co-funding.

We’ve funded over 650 loans since our inception and help thousands of people invest for their future. And of course, we’re regulated and authorised by the FCA and a HMRC-approved ISA manager.

Experience.

We began accepting loan applications in September 2012 and funded our first deal in January 2013. In February 2016 we were one of the first platforms to receive full FCA authorisation.

Continued commitment to P2P lending.

Several P2P firms have pivoted their business model to exclude retail investors. At rebuildingsociety.com we want to enable positive outcomes for both businesses and investors, and we remain committed to continued access to peer-to-peer lending for retail investors.

Don’t invest unless you’re prepared to lose money. This is a high‑risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Investments are not FSCS protected. Tax treatment may vary. Take 2 minutes to learn more.