Orca automatically spreads your investment across the UK P2P market

(which means less risk and better returns on your money)

Getting started with Orca

Set up your diversified P2P investment with ease
  1. Select which Portfolio best suits you.
  2. Set up your Orca account in seconds.
  3. Send funds to your own personal Orca account number and sort code.
  4. Once received, funds are automatically invested across your chosen portfolio. That's it!

Good to know

  • Need to withdraw? No problem, you can withdraw funds from your account at any time*.
  • You can easily track your investments from the Orca Dashboard.
  • Deposit funds any time, or set up a Standing Order, and watch your investments grow.
  • You can choose between a tax-free ISA and a General Investment Account.
Want to find out more?

Product structure

Learn how your money gets invested with Orca

1
Orca account setup

Choose to invest in the Orca Pure or Orca Plus portfolio and decide if you want to invest through a tax efficient ISA account or a General Investment Account (GIA).

2
Account funding

We'll provide you with a segregated bank account in your own name to keep your money safe.

3
P2P platform setup

Once your account is funded, we'll open accounts at the P2P platforms in your own name as per the portfolio selection. We’ll send funds and your money will be invested.

4
Account performance

Orca collates the data from each P2P account into one convenient performance dashboard. You can then use it to review your investments, top up or withdraw at any point.

Product structure

Product specifications

A breakdown of our portfolios

Orca PureOrca Plus
Advertised Rate

4.0% (until April 2020)
3.35% (after April 2020)

Rates are variable depending on the performance of your investment.

4.9% (until April 2020)
4.25% (after April 2020)

Rates are variable depending on the performance of your investment.

Min Investment£100£100
Denominations£100£100
Growth ProductAn ‘invest until maturity’ product. Income option in the pipeline.An ‘invest until maturity’ product. Income option in the pipeline.
Withdrawal

To withdraw funds, simply log in to your dashboard and request a withdrawal.
*We will sell your investments on the secondary markets at the P2P platforms.

In normal operating conditions we expect this to be 14 days. Delays may occur if no other investors are available to take on your loans

To withdraw funds, simply login to your dashboard and request a withdrawal.
*We will sell your investments on the secondary markets of the P2P platforms.

In normal operating conditions we expect this to be 28 days. Delays may occur if no other investors are available to take on your loans

Lending TypeA mix of property and business loansA mix of property and business loans
Portfolio AllocationAssetz Capital, Octopus Choice, Landbay and LendingCrowdAssetz Capital, Octopus Choice, Landbay and LendingCrowd
RiskThis option includes more secured property loansThis option has a greater proportion of higher risk/return business loans.

How P2P works?

Peer to peer (P2P) lending is a relatively new asset class that connects investors with people and businesses looking to borrow money. Historically a function carried out by banks - taking deposits from one person and providing loans to another - peer to peer lending removes the need for a bank. This creates huge cost savings, which are passed onto the investor in the form of significantly higher returns on their money.

When you invest across a peer to peer platform, your funds will be lent to borrowers on a variety of lending terms. Some loans will be made to individuals and some to businesses. Some will be asset backed, meaning there is protection against non-payment of the loan, and some will be unsecured. Diversification is critical to spread funds across a large number of borrowers and ensure a consistent return is achieved.

How P2P WorksHow P2P Works

The UK P2P industry

  • 200k+

    Investors

  • £15bn

    Cumulatively invested in P2P

  • 50+

    Platforms available in the UK market

Want to learn more?

Arrange a call with us today to find out how we can help you avail of the best opportunities in direct lending.