Crowdstacker

What Crowdstacker does

Crowdstacker Ltd. is a UK Financial Conduct Authority-authorised (frn. 648742) peer-to-peer lending platform founded in 2014/2015 and headquartered in St Albans. The platform connects individual UK retail lenders with growing and established British businesses, with a particular concentration on Property Development Loans (PDLs). Its product surface consists of a single core investment platform through which users open accounts, browse and fund loans from a £100 minimum, receive interest on monthly to annual schedules, and receive capital repayments amortised or as a bullet at term end. An Innovative Finance ISA (IFISA) wrapper can be applied to eligible loans for tax-free returns, and supporting content products (Fixed eMagazine, Property Market Report, Knowledge Hub) drive acquisition and education. No proprietary technology stack, API, SDK, or AI/ML capability is disclosed.

The business model is a transactional marketplace. Crowdstacker advertises zero fees to retail lenders; revenue is generated on the borrower side via listing or arrangement fees and the implicit spread between the interest rate paid by borrowing businesses (e.g., 16% p.a. on the Hillyfield PDL) and the rate passed through to lenders. Distribution is entirely direct-to-consumer via the crowdstacker.com self-serve storefront, supplemented by content marketing, organic social (Twitter/X, Facebook, LinkedIn), and TrustPilot reviews as earned-media social proof. The borrower-side "Raise Finance" funnel handles UK business origination. Cumulative platform lending stands at £82.76m raised with £59.28m repaid in capital and interest, against a current headcount of 11–50 employees — implying modest, single-country (UK) scale.

The only disclosed equity funding is a ~$1.07m round from Pario Ventures in July 2018; no subsequent rounds, acquisitions, international expansion, or material leadership changes beyond the founder CEO Karteek Patel, COO Jonathan Littlewood and three department heads (Finance & Credit, Customer Services, Design & Marketing) are documented in the input. Awards are limited to UK personal-finance trade badges (MoneyNet 2017 and 2018, Shares 2016).

Name

Crowdstacker

Legal name

Crowdstacker Ltd.

Website

https://crowdstacker.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Crowdstacker is an FCA-authorised UK peer-to-peer lending platform that enables individual retail investors to lend directly to British businesses, with a focus on property development loans, via an IFISA-eligible self-serve storefront.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Borrower-side / listing fees on funded loans: While the platform charges "Zero fees" to retail lenders, revenue is generated from UK businesses raising finance through the platform (e.g., Hillyfield Loans property development loan). Crowdstacker earns fees or a spread on loans facilitated between lenders and borrowers, a transactional model aligned with marketplace lending economics.
2. Spread / interest margin on facilitated loans: Implicit spread between the interest rate paid by borrowing businesses (e.g., 16% p.a. on the Hillyfield loan) and the rate passed through to lenders, retained as platform margin on each funded loan.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Crowdstacker operates an FCA-authorised UK peer-to-peer lending platform that connects individual retail investors with growing and established British businesses, primarily property developers seeking development and growth capital. Investors open accounts, browse listed Property Development Loans, deploy capital from £100, and earn interest (e.g., 16% p.a. on the Hillyfield 18-month PDL) either inside an Innovative Finance ISA wrapper for tax-free returns or as standard lending. The borrower side ("Raise Finance") originates and structures loans secured by legal charges over property and personal guarantees from guarantors.

Product overview

Crowdstacker operates as a single, unified peer-to-peer lending platform rather than a modular multi-product suite. Its core offering is the Crowdstacker Investment Platform, through which individual investors open an account, select lending opportunities and earn interest on capital lent to UK businesses. Layered on top of that core platform are: (a) the IFISA tax wrapper, which lets investors hold eligible loans inside an Innovative Finance ISA; (b) the Property Development Loans (PDLs) loan category, with specific deals such as Hillyfield Loans surfaced as individual investment opportunities; and (c) supporting investor resources including the Fixed eMagazine, the Property Market Report and the Loan Performance / Statistics dashboard. The borrower-facing Raise Finance page sits opposite the investor side and originates the loans that are then funded through the platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Crowdstacker Investment Platform Peer-to-peer lending platform allowing individual UK investors to lend directly to growing and established British businesses and earn interest at variable rates. Core workflow: open an investment account, browse listed lending opportunities, fund loans from £100, receive interest on a monthly, quarterly, semi-annual or annual cadence, and receive capital repayment either amortised during the term or as a bullet at term end.
• IFISA (Innovative Finance ISA) Tax-efficient Innovative Finance ISA wrapper offered on top of the core Crowdstacker platform, enabling investors to transfer existing ISA funds or open a new ISA and earn tax-free interest on eligible property development and business lending investments. Crowdstacker charges no platform fees on the IFISA.
• Property Development Loans (PDLs) Specialised lending category on the Crowdstacker platform that deploys investor capital as development finance for UK property projects. Each PDL is typically secured by a legal charge over the underlying property and supported by a personal guarantee from the developer/guarantor, with terms generally offering interest paid monthly, quarterly, semi-annually or annually and capital repaid amortised or at term end.
• Hillyfield Loans A specific Property Development Loan opportunity listed on the Crowdstacker platform: 16% p.a. interest over an 18-month term, ISA-eligible, funding the development of six new houses in Sittingbourne, Kent. Security package includes a legal charge over the property plus a personal guarantee from the guarantor(s); investable from £100.

Quantifiable outcome

• £82.76m raised through the platform to date
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• MoneyNetminorOthersMoneyNet award badges (2017 and 2018) are displayed on the Crowdstacker homepage, indicating recognition by MoneyNet within the UK personal finance / P2P industry.
• Shares magazineminorOthersShares magazine 2016 award badge is displayed on the Crowdstacker homepage, indicating industry recognition by Shares within the UK investment press.
• Financial Conduct Authority (FCA)coreOthersCrowdstacker Ltd. is authorised and regulated by the FCA under firm reference number 648742, providing the regulatory licence required to operate as a P2P lending platform and offer the Innovative Finance ISA (IFISA) in the UK.
• TrustpilotminorGTM or Marketing PartnerTrustPilot reviews are embedded on the Crowdstacker homepage to provide third-party social proof and trust signals for prospective retail investors.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• ThinCats: UK P2P platform providing secured loans to established SMEs. Comparable to Crowdstacker on the business lending side and on FCA-regulated P2P funding, though more institutional-skewed in its investor mix.
• LendInvest: UK online property finance platform that lends against residential and development property, raising capital from retail and institutional investors. Directly comparable to Crowdstacker on the property development lending niche and IFISA offering.
• Assetz Capital: FCA-regulated UK P2P platform that provides property-secured loans to SMEs and developers. Directly comparable to Crowdstacker's PDL focus and IFISA wrapper, with a similar security-first value proposition.
• Landbay: UK P2P platform specialising in residential buy-to-let mortgages funded by retail investors. Comparable to Crowdstacker on the property-backed P2P lending model and IFISA wrapper, with overlapping lender audience.
• Zopa: One of the UK's original FCA-authorised P2P platforms offering consumer and SME loans, including an IFISA wrapper. Direct competitor to Crowdstacker in the UK retail P2P/IFISA space, with a larger balance sheet and broader loan book.
• Funding Circle: Listed UK P2P/business lending platform focused on SME loans. Comparable to Crowdstacker on the borrower side (UK business lending funded by retail and institutional investors) and on FCA regulation, though operating at substantially greater scale.
• Lending Works: FCA-authorised UK P2P platform offering consumer and SME loans with an IFISA wrapper. Directly comparable to Crowdstacker on regulatory positioning, target retail lender audience, and IFISA-enabled lending.
• Octopus Choice: Octopus-backed UK P2P platform offering property-secured loans to investors with an IFISA wrapper. Directly comparable to Crowdstacker on the property-backed lending niche, IFISA offering, and UK retail investor targeting.

Broad incumbents

• Seedrs: UK FCA-regulated equity crowdfunding platform. Not a direct lending peer, but operates in the same FCA-regulated UK retail alternative-investment category and competes for the same pool of self-directed retail capital.
• Crowdcube: UK FCA-regulated crowdfunding platform for equity (and debt) investments in private companies. Adjacent rather than directly competitive, but operates in the same UK retail investor / alternative finance ecosystem as Crowdstacker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Crowdstacker
• Facebookfacebook.com/824352514255735
• LinkedInlinkedin.com/company/crowdstacker

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crowdstacker