Warning: Your capital is at higher risk than holding money on deposit. You may lose some or all of the money that you invest. You wonât have access to the Financial Services Compensation Scheme (FSCS). We do not offer the facility to sell your investment/rights as a lender in a live agreement (a secondary market) therefore you will not be able to access your money before the term of the P2P agreement expires nor will you be able to trade your P2P agreement at market value on a secondary market. Please note that your capital is at higher risk when investing in unquoted businesses. Please refer to the âDefault Ratesâ page which sets out our expected and actual default rates in order to make an informed lending decision with an appreciation of the specific nature and risks of investing via our platform.