Provider profile
Money&Co.
UK peer-to-peer lending · Business lending · IFISA available
2
Products covered
Peer-to-peer lending
Innovative Finance ISA
Overview
About Money&Co.
Editorial summary — not an endorsement.
Money&Co. is listed on WiT Money as a UK peer-to-peer lending platform. Loan types recorded: Business loans; peer-to-business lending. Minimum investment £1,000. An Innovative Finance ISA (IFISA) is recorded as available. The ISA wrapper does not remove investment risk. Target return recorded: Typical gross returns stated as 6%–10% p.a. before 1% annual fee and expected bad debt. Target returns are not guaranteed. Conditional resale via loan market; liquidity not guaranteed. Investor fees: No standard platform fee · 1% annual lender fee. Your capital is at risk, and you may not be able to access your money when you want. Ordinary losses on P2P loans are generally not covered by the FSCS. Current website remains live in 2026. Managed IFISA may use a portfolio manager to buy loans through auctions/loan market. Details last verified 2026-08-10.
Money&Co. is recorded as FCA authorised. The Innovative Finance ISA dataset records FRN 727325. Last checked in the WiT Money dataset on 2026-08-10. Confirm current permissions on the Financial Services Register before you invest.
Products offered
What Money&Co. offers
Key product areas we track on WiT Money — rates and availability change.
Peer-to-peer lending
Peer-to-peer lending
Money&Co.: Business loans; peer-to-business lending. Minimum investment £1,000. IFISA available. No standard platform fee · 1% annual lender fee. Conditional resale via loan market; liquidity not guaranteed. Capital is at risk.
Business lending · 6%–10% target, not guaranteed · Min £1,000
Compare in categoryInnovative Finance ISA
Innovative Finance ISA
Money&Co. IFISA: Peer-to-business lending. £1,000 minimum to start investing through the IFISA. ISA transfers in are recorded as accepted. Recorded transfer types: Cash ISA, Stocks & Shares ISA, IFISA. ISA manager: Denmark Square Limited, ISA manager reference Z1932. Around 7% target net of fees and estimated bad debt; variable and not guaranteed. Investor fee: No setup fee identified. Loan-market resale may be possible, but liquidity is not guaranteed. The ISA wrapper does not remove investment risk. Capital is at risk.
£1,000 · 7% target, not guaranteed · ISA transfers in
Compare in categoryAt a glance
Pros and cons
Recorded product facts for Money&Co.. Terms, eligibility and pricing can change.
Pros
- Business loans; peer-to-business lending
- Minimum investment £1,000
- Recorded target return: Typical gross returns stated as 6%–10% p.a. before 1% annual fee and expected bad debt Not guaranteed.
- Manual loan selection available
- IFISA available
Cons
- Target returns are not guaranteed
- Capital is at risk
- Early access depends on available liquidity
- Recovery / default costs may apply
- Ordinary P2P investment losses are generally not FSCS-protected
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Comparison links
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Open comparisonInnovative Finance ISA
Read how an IFISA wrapper works. It does not remove investment risk.
Open comparisonFAQ
Frequently asked questions about Money&Co.
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