Lending Works
Lending Works was a UK peer-to-peer lending platform (operating as Fluro Platform Limited, FCA-authorised) that matched individual investors with consumer borrowers. The platform has now closed and the entity is in wind-down, servicing only existing investment product holders.
- Company typePrivate
- Founded2012
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Lending Works does
Lending Works was a UK-based peer-to-peer (P2P) lending platform that connected individual investors with borrowers, enabling direct lending outside the traditional banking intermediation model. The platform operated as a single consumer-facing product offering — a marketplace where retail investors funded loans and borrowers accessed credit — without disclosed ancillary products, API services, or mobile applications. Operationally, it operated under the legal entity Fluro Platform Limited, a private limited company registered in England and Wales (company number 8302549), with its registered office at 35-41 Folgate Street, London E1 6BX. The entity was authorised and regulated by the Financial Conduct Authority (firm reference 723151), held membership in Cifas for fraud-prevention purposes, and was registered with the ICO (registration number ZA002001) for UK data-protection compliance.
The company pursued a marketplace GTM model typical of UK P2P platforms, monetising the spread or fees generated between investor returns and borrower interest rates on the loan book it originated. Customer segments served were UK-based individual lenders seeking yield and UK borrowers seeking unsecured consumer credit. Distribution was carried out through the company's own website, supplemented by retail-investor marketing channels typical of the P2P sector (not specified in input).
Lending Works is no longer operational. The platform's website has closed and the company is in wind-down mode, retaining only customer-service contact channels (email [email protected] and phone 0207 096 8512) to service holders of pre-existing investment products. Regulatory authorisations, compliance registrations, and the company entity remain intact to support residual servicing obligations through loan book maturity. No data is available on leadership, funding history, employee count beyond a 11–50 band, pricing, technology stack, or financial performance.
Lending Works firmographics
Firmographics- Name
- Lending Works
- Legal name
- Fluro Platform Limited
- Website
- https://lendingworks.co.uk
- Company type
- Private
- Founded year
- 2012
- Operating status
- Closed
- Headcount range
- 11–50 employees
- Short description
- Lending Works was a UK peer-to-peer lending platform (operating as Fluro Platform Limited, FCA-authorised) that matched individual investors with consumer borrowers. The platform has now closed and the entity is in wind-down, servicing only existing investment product holders.
- Ownership category
- akta.pro rank
Lending Works industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
- akta.pro secondary industries
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM), Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Lending Works is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Lending Works business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Lending Works product offering
Product offeringCore offering
Lending Works operated a UK peer-to-peer lending platform that directly connected individual borrowers seeking unsecured personal credit with individual investors looking for income returns. The platform originated, serviced and administered matched loans and investment products under FCA regulation; the website has now closed and the company continues to service existing investment product holders.
Product overview
Lending Works operated as a single peer-to-peer (P2P) lending platform, connecting individual investors seeking returns with borrowers. The company was a trading name of Fluro Platform Limited. The platform has now closed.
Differentiator
Problem solved
Functional benefit
Products and services
- Lending Works P2P Lending Platform Peer-to-peer lending platform that matched individual UK borrowers seeking unsecured personal loans with individual investors seeking income returns; originated, serviced and administered matched loans and investment products. The platform is closed to new business.
Companies that use Lending Works
Customer profileIdeal customer profiles2 records
Lending Works technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lending Works partnerships and signals
Strategic signalRecent moves3 records
Lending Works competitors and assessment
Company assessmentDirect peers
- Assetz Capital: UK P2P lending platform offering investor access to borrower loans; a direct peer operating in the same UK regulatory and intermediation model as Lending Works.
- Zopa: UK peer-to-peer and digital consumer lending pioneer that connects individual investors with personal loan borrowers; the most direct comparator to Lending Works in the UK P2P consumer credit category.
- Proplend: UK FCA-regulated P2P platform focused on property-backed lending; comparable regulatory status and investor-lending intermediation model, though with a secured commercial property focus.
- Kuflink: UK-based peer-to-peer lending platform offering bridging and secured lending to investors; operates under the same FCA P2P regulatory framework as Lending Works and is a direct category peer.
- Landbay: UK P2P lending platform focused on buy-to-let mortgages; comparable in intermediation model and FCA-regulated P2P framework, though with a property-secured product focus.
- Funding Circle: UK-originated online lending platform operating in the P2P/investor-lending model; comparable in regulatory regime and intermediation approach, though focused on small business rather than consumer loans.
- Prosper Marketplace: US peer-to-peer consumer lending marketplace connecting investors with personal loan borrowers; structurally similar P2P intermediation model to Lending Works.
- RateSetter: Former UK P2P consumer lending platform, now operated under Metro Bank ownership; directly comparable to Lending Works in product (unsecured personal loans), customer base, and regulatory framework.
- LendingClub: US-based peer-to-peer consumer lending platform; comparable business model of matching individual investors with unsecured personal loan borrowers, though operating in a different regulatory jurisdiction.
- Wellesley & Co: Former UK P2P lending platform that has also wound down its retail operations; provides a direct precedent for the wind-down pathway Lending Works is currently navigating in the same UK P2P market.
Market position
Strengths2 records
Weaknesses4 records
Competitive moat1 record
Key risks5 records
Key highlights3 records
Customer concentration
Lending Works social profiles
Digital presenceLending Works compliance and trust
Trust signalCompliance3 records
Lending Works financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lending Works leadership team
Management profileNumber of profiles
Lending Works funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lending Works M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lending Works
What does Lending Works do?
Lending Works operated a UK peer-to-peer lending platform that directly connected individual borrowers seeking unsecured personal credit with individual investors looking for income returns. The platform originated, serviced and administered matched loans and investment products under FCA regulation; the website has now closed and the company continues to service existing investment product holders.
Is Lending Works a public or private company?
Lending Works is a private company. It is classified as unknown and is currently closed.
When was Lending Works founded?
Lending Works was founded in 2012. It employs 11 to 50 people.
Where is Lending Works based?
Lending Works is headquartered in London, United Kingdom, in the Europe region.
Who are Lending Works's main competitors?
Direct peers on record are Assetz Capital, Zopa, Proplend, Kuflink, Landbay, Funding Circle, Prosper Marketplace, RateSetter, LendingClub and Wellesley & Co.
Does Lending Works have an API?
No public API is recorded for Lending Works.
What industry is Lending Works in?
Lending Works's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 522310 and its SIC code is 6163.