Why is The Money Platform Nominated for P2P Lender of the Year 2025?

Introduction

Peer-to-peer (P2P) lending has rapidly evolved from a novel alternative to mainstream finance into a vital pillar of the UK’s financial ecosystem. At the forefront of this transformation is The Money Platform, a company that has redefined what’s possible in P2P lending through its commitment to innovation, ethical lending, and investor value. After winning the Financial Inclusion Award 2023, The Money Platform now celebrates its nomination for P2P Lender of the Year at the 2025 Alternative Credit Awards. It’s time to explore what makes this platform so exceptional - and why it’s become atop choice for investors seeking both returns and real-world impact.

The Importance of P2P Lending in Today’s Financial Landscape

Traditional banking has long struggled to serve the full diversity of UK borrowers, especially those with limited credit histories or unconventional backgrounds. Along with technological advancements, the P2P lending model is helping to bridge this gap. The Money Platform utilises this model to deliver fair, affordable credit to those left out by mainstream institutions while offering investors access to a high-yield, high-impact asset class.
 
This nomination is not just a recognition of strong performance; it’s a testament to The Money Platform’s role as an innovator and leader for financial inclusion in the sector. For investors, it represents an opportunity to diversify their portfolios and contribute to a more inclusive financial system.

Who Should Consider Investing in P2P Loans?

P2P lending is not for everyone, but it offers unique benefits for certain types of investors:

• Diversifiers: Investors looking to spread risk beyond traditional stocks, bonds, and property can benefit from the uncorrelated nature of P2P loans.
• Yield Seekers: With annualised returns of 29.9% in 2024-25 and a five-year track record of 20%+ returns, The Money Platform stands out for those seeking strong income and growth.
• Impact Investors: Those who want their capital to drive positive change - supporting real people and communities, not just corporate profits.
• Experienced Investors: P2P lending is a high-risk investment, so it’s best suited to those who understand the risks and can manage them through diversification.

It’s important to remember that P2P loans are not covered by the Financial Services Compensation Scheme, and defaults can occur. Investors should only allocate capital they can afford to lose and should diversify across many loans.

Why The Money Platform?

1. Technology-Driven, Data-Led Lending

The Money Platform is at the cutting edge of fintech. By leveraging data and its proprietary TMP Score, the platform assesses live datapoints for each borrower in a matter of seconds - delivering a streamlined user experience to the borrower at their time of need. This allows:

• Smarter Credit Decisions: The TMP Score enables responsible lending to those typically excluded by traditional banks.
• Dynamic Risk Management: The TMP score continuously improves with each new loan issued. The credit decisioning engine is regularly refined to increase access to fairer credit for borrowers.
• Continuous Innovation: The platform is investing in AI and machine learning to further refine its credit models and improve outcomes for both borrowers and investors.

2. Ethical and Inclusive Lending

The Money Platform is deeply committed to financial inclusion. Since 2016, it has provided over 125,000 loans to it’s borrowers- many with poor or limited credit histories. Its forbearance-first policy ensures borrowers are treated with flexibility and respect, prioritising positive outcomes over rigid bureaucracy. This ethos is reflected in its outstanding 4.8/5 Trustpilot rating and high customer satisfaction.

3. Market-Leading Returns and Consistency

The Money Platform offers some of the best returns in the P2P sector. Annualised returns have exceeded 20% for five years running, with 29.9% achieved in 2024-25. 97% of lenders who’ve funded more than 50 loans are in profit, and a quarter of active lenders have been with the platform for over five years. These results speak to the platform’s robust risk management and unwavering focus on investor outcomes.

Note: TMP’s internal analysis as at 01/05/25, unaudited. Key assumptions: (1) all loans written since the current credit decision engine was launched in July 2018, and (2) only loans > 6 months since inception.

4. Transparency, Control, and Community

Investors on The Money Platform enjoy full transparency, with detailed information on their portfolio accessible via the dashboard. Investors can choose which loan products they would like to fund, and the platform then handles all operational aspects - from loan origination to collection. The Money Platform’s community of over 3,000 registered investors is a testament to its trustworthiness and appeal.
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How to Start Investing with The Money Platform

Joining The Money Platform is simple and accessible:

1. Register an Account: Sign up on the website and complete the necessary checks.
2. Deposit Funds: Start investing with a sum that suits your goals and risk appetite.
3. Select Your Strategy: Choose the loan products that you would like to fund.
4. Diversify: Spread your investment across multiple loans to manage risk.
5. Monitor and Reinvest: Track your returns and reinvest repayments to compound your gains.

The platform’s intuitive dashboard and robust support make it easy for both new and experienced investors to get started.

The Money Platform’s nomination for P2P Lender of the Year 2025 is a recognition of its relentless innovation, ethical leadership, and outstanding results for both investors and borrowers. By harnessing advanced technology, maintaining rigorous standards, and focusing on real-world impact, The Money Platform offers a unique opportunity to earn some of the strongest returns in the P2P sector while supporting financial inclusion in the UK.

Don't invest unless you're prepared to lose money.

Past performance is not indicative of future returns.

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. Take 2 mins to learn more.