What rebuildingsociety.com does

rebuildingsociety.com is a UK-based peer-to-business (P2B) lending platform that connects individual and institutional lenders with UK SMEs seeking loans of £25,000 to £250,000. Founded in 2012 and headquartered in Leeds, the company operates a two-sided marketplace where lenders browse, bid on, and automatically invest in loan opportunities using tools such as BidPal (Primary Marketplace auto-lending) and BuyPal (Secondary Marketplace auto-buying), while borrowers access funding through a 5-minute application with decisions typically returned within 24 hours. The platform comprises a Primary Marketplace for new loan listings, a Secondary Marketplace for trading microloan parts (including the BuyBack Guarantee mechanism), and an HMRC-approved Innovative Finance ISA (IFISA) wrapper. Technical differentiators include a public API (api.rebuildingsociety.com) for institutional integration and a reciprocal Director's Loan Account ISA structure that allows business owners to lend to unconnected borrowers while receiving capital for their own company.

The company generates revenue primarily through borrower-facing arrangement fees of 4-6% per loan, lender-facing account management fees of 0.1% per month for institutional lenders, and 0.5% secondary-market transaction fees, with additional revenue from Private Peer Loan arrangements (3.25% arrangement or 13.3% of interest) and an emerging S21 Approval Service for crypto-asset financial promotions. Its primary customer segments are UK SMEs (650+ funded to date, excluded startups, with 2-year accounts history required), retail lenders (1,928 lenders averaging ~£15.9k invested, targeting 14.6% average net return), and institutional investors including councils and DFMs with ~£100k minimum monthly volumes. Distribution combines self-serve online registration, an introducer programme paying up to 10% commission to brokers/IFAs/DFMs, council partnerships (Leeds City Council, Basildon Borough Council), and a B2B white-label software channel via sister company White Label Crowdfunding (founded 2014).

rebuildingsociety.com's competitive positioning rests on its regulatory standing—full FCA authorisation since February 2016 and S21 crypto-asset promotion authorisation granted April 2026—alongside 10+ years of operating history, automated lending tools, and specialised products including the Director's Loan Account ISA and Reciprocal IFISA. To date the platform has facilitated over £35m in loans to 650+ UK SMEs across approximately 850 funded loans, supported by a community of roughly 1,928 lenders. The company is privately held and founder-led by Managing Director Daniel Rajkumar, with no disclosed institutional equity investment.

Name

rebuildingsociety.com

Legal name

rebuildingsociety.com Limited

Website

https://rebuildingsociety.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

rebuildingsociety.com is a UK peer-to-business lending platform connecting 1,928 individual and institutional lenders with 650+ SMEs seeking £25k–£250k loans, operating since 2012 with FCA authorisation since 2016.

Ownership category

akta.pro rank

Product category

Peer-to-Business (P2B) Lending Platform / Alternative Finance

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Debt Consolidation & Refinancing (FSAKAHAB)

akta.pro secondary industry

Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Peer-to-business lending
• SME business loans
• IFISA investments
• Alternative lending
• Lending marketplace

Headquarters

HQ city

Leeds

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. Arrangement Fees: Borrowers pay arrangement fees upon loan completion, ranging from 4%-6% depending on loan type and whether submitted direct or through broker
2. Account Management Fees: Monthly account management fee of 0.1% charged to institutional lenders for loan administration including debt recovery
3. Secondary Market Fees: 0.5% sale fee charged to lenders using the secondary marketplace for microloan trading
4. Private Peer Loan Platform Fees: Amortising Private Peer Loans: 3.25% arrangement fee. Interest-only Private Peer Loans: 13.3% of each interest repayment

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core offering

rebuildingsociety.com operates a peer-to-business lending platform that matches UK-based small and medium enterprises seeking loans of £25,000 to £250,000 with individual and institutional lenders bidding on Primary and Secondary Marketplaces. The company earns revenue through borrower arrangement fees (4-6%), institutional account management fees (0.1% monthly), secondary marketplace transaction fees (0.5%), and introducer commissions, and offers an Innovative Finance ISA wrapper, automated BidPal/BuyPal tools, and a BuyBack Guarantee.

Product overview

rebuildingsociety.com operates a peer-to-business (P2B) lending platform connecting individual and institutional lenders with UK SMEs seeking loans of £25,000 to £250,000. The core platform consists of the Primary Marketplace for new loan listings and the Secondary Marketplace for microloan trading. Key supporting products include the Innovative Finance ISA (IFISA) for tax-free returns, the BuyBack Guarantee for capital protection, and automated tools (BidPal and BuyPal) for investment management. The platform offers specialized lending products including Private Peer Loans for confidential syndications, SME Acquisition Funding, and institutional investor lending. Additional services include the S21 Approval Service for crypto financial promotions (FCA authorised), White Label P2P Software (via sister company), the Director's Loan Account ISA, and the Reciprocal IFISA for business owners. The platform also runs an Introducer Programme for commercial finance brokers and maintains Council Partnerships with local authorities.

Differentiator

Problem solved

Functional benefit

Brands

• BuyBack Guarantee: A promise from one lender to another on the Secondary Marketplace to buy back the microloan if the loan defaults, providing capital protection for purchasing lenders.
• BidPal
• BuyPal
• Innovative Finance ISA (IFISA)

Products and services

• Peer-to-Business Lending Platform Core online platform connecting individual and institutional lenders directly with UK SMEs seeking loans of £25,000 to £250,000. Lenders can browse loan profiles, set interest rates, and earn monthly capital and interest repayments while borrowers access unsecured and secured business finance outside the high street banks.
• Primary Marketplace Online marketplace where new loan opportunities are listed for lenders to bid on after credit risk assessment. Lenders review business profiles, set interest rates, and place bids on approved loans from UK SMEs.
• Secondary Marketplace Platform for trading existing microloans between lenders, allowing lenders to access their capital early by selling loan parts at a premium or discount of up to 5%. Enables liquidity for lenders wishing to exit positions before loan maturity.
• Innovative Finance ISA (IFISA) HMRC-approved tax wrapper allowing lenders to earn tax-free interest on P2P investments, with annual allowance up to £20,000 per tax year. Supports transfers of existing Cash and Shares ISAs.
• Private Peer Loans Private loan syndication service allowing businesses to create confidential loan listings shared only with invited investors, with flexible loan structures including amortising (3.25% arrangement fee) and interest-only (13.3% of each interest repayment) options.
• Platform API Comprehensive API enabling third-party system integration with the lending platform. Provides institutional lenders access to loan data, IF ISA accounts, and system integration capabilities, with documentation at api.rebuildingsociety.com.
• White Label P2P Software White-label software solution provided via sister company White Label Crowdfunding for businesses wanting to launch their own P2P or P2B lending platforms. Includes platform creation services and the Appointed Representatives scheme for authorisation.
• SME Acquisition Funding Specialised lending service for business acquisitions, facilitating finance for entrepreneurs purchasing existing businesses. Supports various acquisition structures including secured and unsecured loans, with example deals up to approximately £134,000 over 5 years at secured rates.
• S21 Approval Service FCA-authorised service for approving qualifying crypto-asset financial promotions under Section 21 permissions, allowing rebuildingsociety.com to approve crypto-related financial promotions for other firms under its regulatory umbrella.
• Institutional Investor Lending FCA-authorised P2P lending participation for institutional lenders including councils and DFMs. Provides access to UK SME lending alongside retail investors with API integration available. Typical minimum monthly lending volumes around £100k.

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• CMS (Law Firm)minorStrategic or Co-development Partner · 21 May 2026Partner in joint webinar with FinTech North focused on UK cryptoasset compliance and regulatory requirements. Webinar covers FCA cryptoasset perimeter guidance and authorization process.
• White Label CrowdfundingcoreOEM/ Whitelabel/ Licensing Partner · 1 January 2014White Label Crowdfunding is a separate sister company founded in 2014 that provides white-label P2P lending software to clients globally. Through the Appointed Representatives scheme combined with platform creation services, clients can launch authorised P2P or P2B platforms.
• UK Crowdfunding AssociationcoreStrategic or Co-development PartnerMember of the UK Crowdfunding Association, the trade body representing crowdfunding and peer-to-peer lending platforms in the UK.
• European Crowdfunding NetworkminorStrategic or Co-development PartnerMember of the European Crowdfunding Network, supporting cross-border crowdfunding standards and practices.
• Leeds City CouncilcoreStrategic or Co-development PartnerTrusted partnership supporting local enterprise with institutional and public co-funding. Council co-invests alongside private lenders in local SME loans.
• Basildon Borough CouncilcoreStrategic or Co-development PartnerPartnership supporting local businesses through P2B lending with council institutional co-funding.
• FinTech NorthminorGTM or Marketing PartnerIndustry organization partnering on compliance webinars for cryptoasset businesses and SME finance topics.
• Genie LendingminorChannel Partner/ Reseller/ DistributorCommercial finance broker that frequently uses rebuildingsociety.com for business acquisition financing for their clients.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Assetz Capital: UK-based P2P platform offering business and property-backed loans with similar FCA authorisation status and direct lender-to-borrower marketplace model.
• LendingCrowd: Scotland-based FCA-authorised P2P platform focused on UK SME lending with similar IFISA offering and direct lender-borrower matching model.
• Crowd2Fund: UK P2P platform offering business loans and EIS/SEIS investments to UK SMEs with a comparable direct-lending marketplace structure and FCA authorisation.
• Funding Circle: Largest UK P2P business lending platform serving SMEs with similar loan sizes and direct-to-lender marketplace model. Most directly comparable competitor in the UK P2B space.
• ThinCats: UK P2P business lending platform serving SMEs with similar loan size ranges and institutional co-funding partnerships, directly competing for the same UK SME borrower base.

Broad incumbents

• Zopa: UK-based digital bank that began as a P2P lending platform; now a broad incumbent offering consumer loans, savings and credit cards. Represents an evolved P2P competitor that has scaled into a full-stack lender.
• British Business Bank: UK government-backed economic development bank that operates and partners in alternative SME finance platforms, competing indirectly for institutional SME capital and council-level partnerships.

Others

• Wiserfunding: UK-based SME credit data and risk-scoring provider supporting alternative lenders. Adjacent service provider in the UK P2P SME lending ecosystem rather than a direct competitor.

Emerging players

• White Label Crowdfunding: Sister company of rebuildingsociety.com providing white-label P2P software to entrepreneurs and emerging platforms globally; related by shared DNA and ecosystem participation rather than direct market competition.
• Funding Xchange: UK fintech operating an SME finance marketplace connecting brokers to multiple lenders, including P2P platforms. Overlaps with rebuildingsociety.com in broker-introduced SME loan distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/rebuildings
• Xx.com/rebuildings
• LinkedInlinkedin.com/company/rebuildingsociety-com

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

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 rebuildingsociety.com