Earn up to 6.2% AER*

*Annual equivalent rate Start investing

Growth Street’s marketplace aims to provide you with a simple way to potentially earn a decent return. You can lend any amount from £10.

Growth Street aims to make investing simple. We take care of all the processes, costs and risk management, meaning any investment you make is hassle-free.

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What are the rates?

Right now, investors can earn up to 6.2% AER on their investments. Annual equivalent rate (AER) assumes that you keep your money invested for a year, and reinvest interest. Interest is paid monthly. This rate can change based on investor supply and borrower demand.

Lenders are able to bid a lower interest rate to potentially have their money matched faster.

Investing through Growth Street is completely free of fees.

Current 30-day market rate:

6.2%

Protection provided by the Loan Loss Provision

In 2014 we established the Loan Loss Provision, to help manage risk and aim to offer greater predictability to investors. Since then, the Growth Street exchange has matched £80 million. We’re proud that over that period, the Loan Loss Provision has ensured no investor has ever lost a penny. Despite this impressive track record, we like to be clear that the Loan Loss Provision does not provide a guarantee and that past performance is not a reliable indicator of future results. Figures and statements in this section are accurate as of 13 July 2017.

Learn more about the Loan Loss Provision
Loan Loss Provision Coverage Ratio:

259%

Size of Loan Loss Provision:

£564,713

How fast can I access my money?

All Growth Street loans are 30 days in length. This means that, subject to borrower repayments, investors should have to wait a maximum of 30 days from giving notice, to access all the money they have invested. As of 13 July 2017 no investor has had to wait more than 30 days to access all of their money.

Borrowers are free to repay at any time, so in many cases loans may be repaid before the end of the 30-day period.

Learn more about how long it takes to access your money
A maximum^ of

30 days

Who am I lending to?

Through the Growth Street platform, you’ll be lending to growing, small to medium sized businesses in the UK. Using the funds lent through the marketplace, Growth Street offers these businesses a secured overdraft product, designed to assist them with growing working capital needs.

Every Growth Street borrower will have passed our rigorous credit underwriting and be using the money to finance growth, including hiring more staff, buying more supplies, and investing in marketing and sales.

Each Growth Street borrower is required to provide regular, direct access to in-depth business and financial data both at the time of application, and continually throughout the term of borrowing. This data includes things like management reports, bank activity, and in many cases direct access to cloud accounting data. Growth Street borrowing facilities are uncommitted, so drawdown requests are only processed if, using the latest data available, the key covenant tests are still being met.

Your capital is at risk. FIND OUT MORE

Your capital is at risk if you lend to businesses. Not covered by FSCS. FIND OUT MORE

Your capital is at risk if you lend to businesses. P2P lending is not covered by the Financial Services Compensation Scheme. FIND OUT MORE