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Last updated on 10 August 2023 is a peer-to-peer business lender, taking investment from external sources and using this to provide loans to SMEs.

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Investigating the online reputation of from the perspective of an investor is interesting – it appears that this lender has a reputation for accepting a range of loan applications that could be considered risky to investors, which suggests that Rebuilding Society is more flexible on matters of poor credit history, but many discussions also bring up substantial interest payments that promise eye-watering returns.

Take these considerations under advisement before approaching Rebuilding Society for business funding.

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Pros and cons of RebuildingSociety for business finance 

Fast decisions and payouts on funding Not open to SMEs
No early repayment fees Reputation for high interest rates
Good reviews on TrustPilot Must have been trading for at least two years
FCA regulated Set-up fees will be added to your total repayable pros and cons

Business loans 

Business loans for SMEs are the primary offering of RebuildingSociety. This lender secures funds from third-party investors, offering lending between £25,000 and £250,000, repayable for up to five years.

Rebuilding Society charges a flat fee of 5% + VAT for setting up this loan, and interest rates start at 5% – though it’s possible, and even likely, that they will run higher than this. Securing your loan may secure a lower interest rate.

Director’s loan ISA

This service allows a business owner to lend up to £5,000 on their £20,000 annual ISA allowance to their business on a tax-free basis. This could be an amortised loan, repayable over two to five years. 

The set-up fee will be 3.25% of the loan value plus VAT, and no monthly fees. Interest-only loans are devoid of arrangement fees and come with no arrangement fee, but monthly fees are 13.33% of the interest accrued. 

With either approach, you will be liable for monthly ISA fees of 0.1% for assets below £250,000, halving to 0.5% for greater asset value, if the account earns an interest rate above 2%. account login

Asset finance 

Not available from See best asset finance

Merchant cash advance

Not available from See merchant cash advance.

Invoice finance

Not available from See invoice factoring

Commercial mortgages

Not available from See commercial mortgages.

Business vehicle finance

Not available from See business vehicle finance.

Business credit cards

Not available through See best business credit cards key information

Phone number0113 511 4644
App downloadsN/A
Number of branchesN/A
FSCS protected?No
Founded2012, Leeds
Key information reviews

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money People3/51
Which?Not reviewedN/A
Average score3.75/547 total votes reviews and ratings

RebuildingSociety business eligibility criteria

If you are interested in applying for a loan from Rebuilding Society, you must meet the following criteria.

  • Be the director of a UK-based limited company, public company, or partnership.
  • Have been trading for at least two years, and be willing to provide three months of business bank statements
  • Be looking to borrow a minimum of £25,000
  • Have no outstanding CCJs against your business business finance alternatives

Peer-to-peer lending is not for everybody, especially with the terms and criteria laid out by RebuildingSociety. You may prefer to look into direct lenders that will provide the funds directly from their own vault rather than involving third parties in the application process.

Additional considerations

We touched on this previously, but it bears repeating – if you are considering borrowing from Rebuilding Society, take a look at the feedback left by investors. This viewpoint from the other side of the fence will give you an idea of who you will be receiving funds from.


How do I apply for a loan through

The easiest method is to fill in the online application form on the RebuildingSociety website. The lender aims to come back to you with a decision within 48 hours.

How much can I borrow from

The minimum loan from is £25,000, and the maximum is £250,000. How much funding your business will qualify for depends on a range of factors, including your credit score and annual turnover.

Can I get a loan if I have bad credit?

While one of the fundamental criteria for borrowing from RebuildingSociety is that a business cannot have any outstanding CCJs, some investors online complain that this lender offers ‘risky’ loans, which suggests Rebuilding Society is fairly flexible with historical credit issues.

How much will a loan cost my business?

You will be charged a set-up fee of 5% + VAT of the total loan value (this will be added to the amount owed), and an interest rate will be assigned based on your business credit profile. These interest rates start at 5%, but do not be surprised if they are higher.

Will I need to secure a loan against a property? offers both secured and unsecured loans. If you have a less-than-perfect credit history, or you wish to secured a preferential interest rate, you may need to consider securing your borrowing against an investment.

Is regulated?

Yes, RebuildingSociety is fully regulated by the FCA.

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