Crowd2Fund
One of the few remaining UK retail P2P platforms after the 2019-2022 sector contraction. Funded by individual investors, which means borrowers go through a campaign-style listing process. Suits established SMEs with a clear story to pitch and time to wait for the auction to fill.
Quick routing verdict
- Product: P2P SME term loan.
- Ticket band: £10k to £1m.
- Decision time: 5 to 15 business days.
- Pricing: 8% to 18% APR.
- FCA-authorised.
At a glance
- Legal entity
- Crowd2Fund Limited
- Companies House
- 08472687
- Founded
- 2014
- Product
- P2P SME term loan
- Ticket range
- £10k to £1m
- Decision time
- 5 to 15 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- P2P retail funding model still intact post-FCA reforms.
- Wide rate band published openly.
- Auction model can deliver competitive pricing on strong-narrative deals.
When we route elsewhere
- Listing has to fill before draw-down; no guarantee of full funding.
- Slower than direct-lender alternatives.
- Hard search at full application.
Best fit applicants
- Established SMEs with a fundable narrative
- £50k to £500k tickets
- Borrowers comfortable with a campaign timeline
Where Crowd2Fund is the wrong fit
- Speed-prioritised cases
- Sub-£10k tickets
- Bland or thin pitch narratives
If declined by Crowd2Fund
If your application to Crowd2Fund is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Crowd2Fund decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Crowd2Fund
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Crowd2Fund and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.