Lending Crowd review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Lending Crowd suits established UK limited companies and LLPs that need a large fixed-rate loan fast. Borrowing runs £75,000 to £500,000 over 6 to 60, free early repayment is available, and the lender is licensed by the Financial Conduct Authority.

Key facts

Best for
Large fixed-rate business loans for established UK limited companies and LLPs.
Loan amount
£75,000 to £500,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
Arrangement fee up to 6% of amount borrowed, rolled into the total loan amount (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same working day once approved and paperwork complete; response to application within 48 hours (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Limited companies and LLPs incorporated in England, Scotland or Wales, trading at least 2 years, turnover at least £100,000 a year, profitable, good credit history, no defaults or active CCJs; personal guarantee requires a homeowner (Source, checked September 26, 2026)
Origination fee (%)
6% (Source, checked September 26, 2026)
Loan types
Business, Debt-consolidation, Secured (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Edinburgh Alternative Finance Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
lendingcrowd.com

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Same working day funding once approval and paperwork are complete, part of its same day funding.
  • Fixed-rate lending (fixed rate) with free early repayment, so settling early carries no extra charge.
  • Borrowing of £75,000 to £500,000 runs well above the €1,315.44 typical business loan amount.

Cons

  • Eligibility is strict: good credit, a minimum trading period, minimum annual turnover and profits, plus a personal guarantee that requires a homeowner.
  • The arrangement fee of 6% is folded into the total loan amount, so the sum repaid exceeds the sum requested.
  • Support runs on phone, email and help centre only, so out-of-hours help depends on email and the help centre.
Lending Crowd

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • UK registered limited companies and LLPs that meet the lender's trading period and turnover conditions.
  • Businesses that can turn paperwork around fast and want cash on the same working day.
  • Firms consolidating existing debt or borrowing against security, since business, debt consolidation and secured covers those uses.

Who should look elsewhere

  • Borrowers after a smaller sterling facility: Monzo Flex lends £10,000 to £35,000, well below the £75,000 to £500,000 range here.
  • Euro seekers, who can look at Sofkredit at €12,000 to €300,000 or Creduma ES at from €12,000.

Who runs it

Lending Crowd is the name under which Edinburgh Alternative Finance Limited lends, and the firm is registered in the United Kingdom. It has been trading since 2014 and is authorised and regulated by the Financial Conduct Authority under licence 670991. Customer questions are handled on phone, email and help centre, and the named legal entity and licence are the details to check on any offer.

How Lending Crowd compares

Where Lending Crowd is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (670991), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can Lending Crowd lend, and over what term?+

Borrowing runs £75,000 to £500,000, with terms of 6 to 60. That range sits well above the €1,315.44 typical business loan amount across this listing, so it suits larger facilities rather than small top-ups.

What does Lending Crowd charge to arrange a loan?+

The only fee stated is an arrangement fee of 6% of the amount borrowed, and that charge is folded into the total loan amount instead of being billed separately, so the total repaid is larger than the amount requested.

How quickly can the money arrive?+

Once a decision is in and the file is complete, the feature list includes same day funding and the money can reach the account the same working day. Applications receive a response within a short stated window, so paperwork usually sets the pace rather than the lender.

Who can apply for a Lending Crowd loan?+

Applicants are limited companies and LLPs registered in England, Scotland or Wales. The lender wants a firm that has traded for a minimum period, meets a minimum annual turnover, is profitable and has a clean credit record, with good credit the stated requirement. A personal guarantee needs a property owner behind it.

What credit check is run on the business?+

Every application goes through a hard credit check, and a personal guarantee puts the guarantor's own credit record into the assessment as well. That matters for directors whose personal record is weaker than the company's, since both sides are weighed.

Is Lending Crowd regulated?+

The lender is regulated by the Financial Conduct Authority in the UK under licence 670991, and the legal entity behind the brand is Edinburgh Alternative Finance Limited, so any complaint sits with a named UK company.

What can I use the borrowing for?+

The lender covers business, debt consolidation and secured borrowing, so business purposes, consolidating existing debt and loans backed by security all sit in range. Pricing is fixed at fixed rate terms, which keeps the repayment cost steady instead of moving with the market.

Can I repay the loan early without a charge?+

Free early repayment is available, so settling the balance ahead of schedule carries no extra charge from the lender. Terms run 6 to 60, and fixed-rate pricing holds the monthly cost steady across that period.

Sources

  • lendingcrowd.com checked September 26, 2026

    Backs: Founded, Funding time, Headquarters, Legal entity, Pricing model, Licences

    “LendingCrowd launched in 2014 to fund the ambitions of businesses the length and breadth of Britain.”

  • lendingcrowd.com/faq checked September 26, 2026

    Backs: Credit check, Credit needed, Eligibility, Free early repayment, Lender type, Arrangement fee, Origination fee (%), Support channels, Term

    “Subject to credit assessment, we can offer unsecured loans of up to £350,000 (including fees) supported by a personal guarantee.”

  • lendingcrowd.com/introducers checked September 26, 2026

    Backs: Rate type

    “Fixed rate of interest”

  • lendingcrowd.com/products/business-loans checked September 26, 2026

    Backs: Loan amount, Features, Loan types

    “you can borrow from £75,000 to £500,000, with terms of up to 60 months and no early repayment fees”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Lending Crowd

Lending Crowd

Large fixed-rate business loans for established UK limited companies and LLPs.

8.9/10See alternatives

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