Getting started with P2P can be confusing. Trust Orca, the P2P industry experts, with your investment.

Our team of peer to peer industry experts have carried out years of industry research and platform due diligence. Our portfolios have been skillfully crafted to diversify your investment across lending classes and platforms.
Orca: Let us do the hard work.

Learn more

Peer to peer lending is not covered by the FSCS.
Your capital and interest are at risk.

Portfolios to suit you

Choose from one of two investment options, depending on your attitude to risk. Both portfolios have been built by our P2P investment experts.

Orca Pure

4.3%Greater proportion of asset-backed loans

Property46%
Business32%
Consumer22%
WithdrawalsUp to 14 days

Orca Plus

5.3%Greater proportion of unsecured business loans

Property25%
Business45%
Consumer30%
WithdrawalsUp to 28 days

Pricing

Set up fee:FREE
Annual fee:FREE until April 2020 then 0.65%
ISA transfer in/out fee:FREE
Withdrawal fee:0.2-0.4%This fee is charged by the P2P platforms. Orca do not charge additional fees for withdrawal.

You wouldn’t put your entire pension into one stock. So, don’t put your P2P investment into one sector or platform.

Diversified portfolios with Orca:
There is a better way.

With Orca, we take care of everything for you. Our team of P2P experts have carried out years of industry research and due diligence to craft portfolios that diversify your funds across all three main lending classes.

So, if you’re finding it hard to know where to invest in P2P, let Orca do all the hard work for you. And, even better, it’s all tax-free in one ISA.

Going direct:

P2P is a relatively new investment class. There are hundreds of ways to get started. Going direct to the platforms means having to choose what type of loans you want to invest in: consumer, business or property. Investing all your funds into one platform leaves you exposed in the event it has any issues - for example, their secondary market could dry up, leaving you unable to withdraw.

Carrying out due diligence and researching the platforms takes a ton of time too, and each has it’s own charges and fees, and unique ways of working.

Orca portfolios span multiple sectors and multiple platforms.

Many peer to peer investments. One ISA

Until Orca, building a diversified peer to peer investment portfolio in an ISA wrapper meant having to open separate accounts every year for 5 years! With our new ISA, you can achieve the same level of diversification all under one single ISA.

Invest with people you can trust

Bank-level encryption

We adhere to the highest financial security standards using 256-bit encryption, the same level as leading banks, to keep your personal and transactional data safe.

Investment due diligence

Orca has performed independent due diligence on the P2P market, allowing for portfolios of the best lenders to be curated.

Join over 200k people already investing in UK P2P

With over £15 billion already invested in UK P2P, peer to peer investing makes up an increasingly important part of many people’s portfolios. Set up yours now with Orca.