Rebuildingsociety.com Ltd is an FCA-authorised peer-to-peer lending platform based in Leeds, established in 2012. It connects private and institutional investors with established UK SMEs seeking finance. The platform specialises in medium-term P2P loans for a range of business needs, providing an alternative to traditional bank lending. It may suit businesses needing loans up to £500,000 for growth, working capital, acquisition, or refinancing. For a broader understanding, see our Rebuildingsociety Reviews and explore alternative finance loans.

Key features of rebuildingsociety.com Ltd

The platform offers an online application process with real-time auction bidding and a dedicated relationship manager. Its transparent marketplace model allows borrowers to observe the bidding process and final blended interest rate.

• Online application and document upload portal with digital processing
• Live auction functionality showing bid progress in real time
• Dedicated account manager supports borrowers throughout loan life-cycle
• Capability to top-up or refinance business loans after 6 months
• Secondary market maintains investor liquidity encouraging ongoing funding

Funding eligibility

You may qualify for lending if your business has traded for a minimum of two years, with at least £100,000 in annual turnover (or £250,000 for secured loans). Eligible businesses are UK-incorporated limited companies or LLPs registered in England, Wales, Scotland, or Northern Ireland. Some sectors, such as property development start-ups, gambling, and speculative financial services, are excluded. For a detailed guide, review our business loan qualification, check your eligibility with our tools, and understand personal guarantee implications.

Loan options

Rebuildingsociety.com offers two main loan types: an unsecured peer-to-peer business loan and a secured peer-to-peer business loan. Both use an auction model where interest rates depend on investor bids.

• Unsecured Peer-to-Peer Business Loan ranging from £25,000 to £250,000, with terms of 6 months to 5 years. Interest rates typically run from 8% to 20% per annum, averaging around 13%. This product requires personal guarantees and offers fixed monthly repayments without early repayment penalties.
• Secured Peer-to-Peer Business Loan for £50,000 to £500,000, with 12-month to 5-year terms. Interest rates usually range from 6.5% to 15% per annum. Security can include property charges or an all-assets debenture, alongside personal guarantees. Legal fees for security documentation apply.

How to apply

The application process is conducted via an online portal supplemented by telephone and email support. The process involves document submission, credit checks, and an investor auction.

• Submit an online application form with business and director details
• Provide required documents including last two years accounts, management accounts, and bank statements
• Platform reviews application, runs auction (usually 7-14 days), and checks eligibility against criteria
• Sign loan agreement and security documents; funds typically released within 1-3 weeks post-auction

Funding Agent's view on rebuildingsociety.com Ltd

Rebuildingsociety.com fits a specialist role for established SMEs seeking flexible P2P loans up to £500,000 with transparent pricing and no early repayment penalties. Borrowers should consider the higher costs and mandatory personal guarantees compared to traditional bank loans. It serves businesses prepared to share some financial details publicly and meet minimum trading history. Explore further with our funding tools, eligibility checker, and compare it alongside other lenders.