Investing

Earn up to 5.3%*

*Assumes that all principal and interest earned is reinvested for a year,
and that you are matched to borrowers throughout that time.

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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 5.3% on their investments. This rate assumes that you keep your money invested for a year, reinvest interest, and are matched to a borrower throughout that time. Interest is paid monthly, and investing through Growth Street is completely free of fees.

Current 30-day market rate:

5.3% Assumes that all principal and interest earned is reinvested for a year, and that you are matched to borrowers throughout that time.

Protection

Lending on the Growth Street platform is an investment, and like most investments, there is a risk you could lose some or all of the capital you invest. However, protecting your investment is a top priority for Growth Street and we have a number of safeguards in place to help us do just that.

Although past performance is not a reliable indicator of future results, we are proud that these systems and controls have helped ensure that to date no Growth Street lender has lost any money on our platform.

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How fast can I access my money?

All Growth Street loans are 30 days in length. This means that under normal market conditions, investors choosing not to reinvest will wait a maximum of 30 days to access all the funds they've invested through Growth Street. Borrowers are free to repay at any time, so in many cases loans may be repaid before the end of the 30-day period.

There are two scenarios where an investor's money may not be accessible within 30 days:

Resolution Event: if our Loan Loss Provision ('LLP') becomes depleted, all borrower payments will be collected by the LLP and distributed pro rata amongst lenders. This will result in it taking longer than expected for lenders to get their money back, but ensures the risk of borrower default is shared amongst all lenders on the platform fairly. You can read more about this on our Protection page.

Liquidity Event: if at any stage there are not enough funds on the platform to fund drawdown requests and/or rollovers (we call this a 'Liquidity Event'), we will notify the borrower(s) that they will need to repay their loans within three months. This could result in it taking longer than expected for lender funds to be repaid. You can read more about this on our Access page. 

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Typically within:

30 days Subject to borrower repayment and liquidity. All Growth Street loans are 30 days in length.

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 line of credit, 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.

How do I get started?

Apply

Sign up and complete a few basic checks

Transfer funds

Transfer funds into your account and set instructions for investment

Get matched

You'll be matched automatically when a borrower requests a new loan

Start investing Your capital is at risk
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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