Stable, Fair, Predictable Returns
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Research powered by data analysis. Whole of market and independent, giving investors confidence in their asset selection.
Peer-to-peer Lending (P2P) Whole Market
The Orca platform provides analytical research on all major UK P2P lending providers.
Easy to Understand
Orca has translated millions of analysed data points into easy-to-understand, actionable information.
No bias. Orca is independent from P2P investment providers.
Financial advisers can download investment reports and save to file for compliance purposes.
Peer-to-Peer Lending (P2P) Specialists
Orca is a team of peer-to-peer investment specialists. Peer-to-peer lending is a completely different asset class to equities or bonds. Evaluating P2P investments requires different performance metrics.
Peer-to-peer investments can offer stable, risk-adjusted returns which diversify personal investment portfolios.
In a low-yield environment, P2P can offer stable, predictable, risk-adjusted returns. P2P investments offer average annual returns of between 5% and 6%. Investors can achieve upwards of 10% annually, depending on their appetite for risk.
Efficient Asset Class
Offering credit as an investment has been around for centuries. Credit assessment is not new. P2P providers have innovated by offering an efficient, low-costing method of accessing credit investments.
P2P investments are not listed on an exchange, meaning the performance of assets are not correlated to stock market volatility. P2P assets are likely to perform better during an economic downturn in comparison to equities or bonds.
P2P lending allows investors to diversify into an alternative asset class. Some of the largest P2P providers auto-diversify investors’ capital across a large number of borrowers, increasing their exposure, and reducing the risk of borrower default.
Innovate Finance ISA
The new Innovate Finance ISA (IFISA) allows investors to hold their peer-to-peer investments in a tax-efficient ISA wrapper. P2P Providers offering the IFISA can be found on the Orca IFISA tracker page.
Income or Growth
Investors often have the choice of taking interest payments as an income, or for these payments to be reinvested, enabling capital growth.