Put your business cash to work without losing access

Investments in our Rolling market earn annualised returns of 2.7% with interest paid each month and no fees to withdraw money. It takes on average 10 minutes for an investor to access their funds from RateSetter. Please note access is not guaranteed and is subject to liquidity in the RateSetter marketplace. For more information on this, click here .

If you invest in our 1 year or 5 year markets, you may still access your money early for a small fee with our Sell Out option.


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What are the rates?

Rolling market

2.7%Annualised rate
Repaid upon withdrawal

  • Loan terms: Your money will be invested in loan terms between 6 months and 5 years
  • Earning: Your loans are continually repaid and reinvested at the prevailing Rolling market rate. Your interest accrues for every day that your funds are on loan.
  • Access: You can access your money freely as long as there are funds in the market to replace the amount being withdrawn. This could come from money already rolling in the market, new investors or funds set aside by RateSetter. If replacement funds aren’t available, your money will be returned as the borrower(s) repays over their loan term. To date no customer has ever had to wait for their money although it's not a guarantee. RateSetter is an investment not a deposit account.

1 Year market

3.4%Annualised rate
Repaid at term

  • Loan terms: Your money will be invested in 1 year loans.
  • Earning: After 1 year your capital and interest will be repaid. If your loans are fully repaid early your money will be reinvested according to your settings.
  • Access: You can access your money early using the "Sell Out" feature. It allows you to withdraw your funds as quickly as possible provided there are funds available in the market to replace the amount being withdrawn. On average, replacements are matched within 10 minutes, and the average Sell Out fee is 0.72%. RateSetter is an investment not a deposit account.

5 Year market

5.5%Annualised rate
Repaid monthly

  • Loan terms: Your money will be invested in 4-5 year loans.
  • Earning: Your capital and interest will be paid as the loans are repaid, usually monthly. If the borrower fully repays early your money will be reinvested according to your settings.
  • Access: You can access your money early using the "Sell Out" feature. It allows you to withdraw your funds as quickly as possible provided there are funds available in the market to replace the amount being withdrawn. On average, replacements are matched within 10 minutes, and the average Sell Out fee is 0.72%. RateSetter is an investment not a deposit account.

Can my company invest with RateSetter?

Yes. The RateSetter market is open to all. Individuals, businesses, investment funds, charities, livery companies and even banks are amongst those investing through RateSetter, all at the same rates.

Companies invest on to the platform in the same way as consumers and enjoy the same interest rates and other features including Provision Fund protection.

As a company you can open a business account with RateSetter and gain access to our 3 markets offering investors rates of return from 2.7% - 5.5% depending on term.

The most popular is our Rolling market, offering investors an annualised rate of return of 2.7%.

What is the risk with investing company money at RateSetter?

Lending money inherently carries with it some risk; the risk of the borrower defaulting. Fortunately RateSetter’s Provision Fund has ensured not one business investor has ever lost a single penny, and earned exactly what they expected, since the day RateSetter started trading in October, 2010. Although this is not a guaranteed protection scheme, it is a track record we are proud of and we openly publish all details about the size of the Provision Fund and the coverage to anticipated bad debt it provides.

For more details on how the Provision Fund works to protect investors, please click here.

Case study: Loughborough Endowed Schools

“I’m delighted I’m able to make the school’s surplus funds work harder”
- Richard Harker, Foundation Accountant at Loughborough Endowed Schools

Independent Schools are very risk averse when it comes to selecting where they invest their funds. After an initial consultation with Richard Harker, Foundation Accountant at Loughborough Endowed Schools, RateSetter was proposed to the school’s Board of Governors. On inspection of how RateSetter manage risk using the Provision Fund and understanding what happens if default rates start to rise, the Governing Body were satisfied that RateSetter was a prudent investment.

Richard says: “Although peer-to-peer lending is a relatively new area, RateSetter’s risk management through their Provision Fund gives me the confidence to invest in this type of instrument. It is a great alternative to traditional money markets by earning a yield well in excess of that earned by those markets.”

If you would like to speak to an existing business customer as an independent reference, please email [email protected].

How do I set up a company account at RateSetter?

  1. Visit the registration form
  2. At Stage 2 of the registration, check the checkbox that signifies you are a company (at the bottom of the form)
  3. Submit your registration and expect a call from our Customer Service team to verify your Director(s) details