FSCS: robust protection or a flawed guarantee?

In response to a recent piece in Citywire, and the continued misconception regarding the relationship between peer-to-peer lending and the Financial Services Compensation Scheme (FSCS), we highlight why RateSetter is proud not to be covered by the FSCS.

A guarantee, but at what cost?

The FSCS is the default option used, and cited, by unthinking institutions who simply don't care about giving their savers a decent return.

July 16, 2014

British Business Bank to start lending through RateSetter

We are pleased to let our customers know that the British Business Bank is to start lending through RateSetter, effective from next Monday, 21st July. The British Business Bank is a new Government-owned financial institution set up with the goal of making financial markets work better for small businesses (

It will target its lending exclusively at RateSetter's business loans: individuals, sole traders or partnerships borrowing for business purposes. This has gradually and organically become a growing part of RateSetter's monthly loan demand.

July 13, 2014

Media Highlights: RateSetter in the press - June 2014

Given the pace of growth in P2P lending, we have decided to maintain a regular blog post that will help you to keep up to date with the latest key stories in the press.

James Tall, RateSetter’s PR manager, updates you on the big stories in P2P over the last few weeks.

Institutional Money

Leading titles, including the Daily Telegraph , Forbes, MoneyWeek and Yahoo Finance continue to highlight the arrival of institutional money in the UK P2P market.

July 2, 2014

Why our 1960’s rate-setting policy no longer makes sense

Technology’s impact on finance in 2014

Amidst the technology obsessed society of today, it can be difficult to remember how life was ever carried out before the internet. As we migrate from desktop, to mobile, to tablet screen, one must be reminded that the service we rely on to effectively manage our lives, is in reality, only a two-decade old progression.

July 1, 2014

Do you want a third ISA?

Whilst the headline news of today is your ISA allowance has increased to £15,000, the big question is how you plan to use it?

The reality is the options haven’t changed. You either have low risk, low performance cash or high risk high performance stocks and shares. There’s no middle ground.

Or is there?

June 30, 2014
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