4thWay® is an independent ratings agency for online direct lending (including P2P and marketplace lending) that helps investors make comparing the many risks of lending through each P2P lending company easier. We have a unique approach to researching opportunities in this sector, and provide unbiased P2P lending comparisons, calculated risk-reward ratings, detailed company insight reports, as well as exclusive lending tips, all available at 4thWay.co.uk 

Our mission is to be the most trustworthy online community of P2P investors in the UK - which is why we hold ourselves accountable to our users, who govern us through a Panel of Peers, ensuring we always stay focused on individual lenders'​ interests in this thriving market.

We are  risk modellers, credit-risk specialists, fund managers, and financial and investment journalists.

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