Lending is restricted to professional property developers borrowing against UK property in three shapes - bridging, term and development - with independent RICS valuations on every loan, internal limits of 75% of property value (70% of expected end value on developments), and legal charges plus, for companies, debentures and often personal guarantees. Approved loans get a grade of A, B or C, reported against annually. What is not disclosed is most of the process: no published lending rulebook, no acceptance rate, no committee, no explanation of what separates grade A from C, and no public loan listings - retail investors never see individual loans before allocation, which forum investors describe as a black box.

The owners are the team. E-Money Capital Ltd is controlled, via E-Money Global Ltd, by Mark De Candole - the property developer who bought the business (formerly Tower Bridging) and relaunched it under the easy licence in 2018 - and Jason Ferrando, who built the lending book and has been CEO since August 2022. Sir Stelios appears on the about page only as owner of the easy brand; he is not an owner or manager of the platform. Beyond the two principals, no management team, board, credit officer or headcount is published - an independent reviewer describes the firm as profitable with only a handful of employees.

The platform has broad discretion to manage borrower stress quietly: it may permit repayment delays and may advance interest to lenders from its own money, with a loan formally defaulted only after six months of that or 180 days without payment. On default, easyMoney enforces the legal charge as agent - working with the borrower first, repossession and sale as last resort - and recoveries flow in a fixed order: third-party costs, easyMoney's recovery costs, then your interest, then your capital. There is no provision fund and no external back-up servicer, just an internal wind-down coordinator if the platform itself fails. The machinery has never been tested by an actual capital loss.

Direct fees are zero on every line - opening, investing, servicing and withdrawing - except a 15 pound charge for withdrawals to non-UK accounts. The real cost is invisible: easyMoney keeps the spread between what borrowers pay and what you receive, and neither the borrower rate nor the margin is published (one forum investor estimates the platform's share is double the lender's). Cash also earns nothing while queuing for deployment - a target of 30 days, not guaranteed - which in 2021 dragged new products' returns up to 1.8 points under target. Selling on the secondary market is free but can price above or below face value if rates have moved.

There is no scandal - no losses, no frozen withdrawals, no FCA enforcement found, no Financial Ombudsman decisions, and Trustpilot sits at 4.9 out of 5 from about 320 reviews. The negative record is about opacity, and it is documented by named third parties rather than anonymous grumbling. 4thWay, the UK's P2P research agency, maintains a standing FAQ using easyMoney as its example of a platform that will not supply the 100-plus data points needed for a rating - so no independent risk score exists. Forum investors on the P2P Independent Forum echo it: minimal loan detail and no borrower information; an undisclosed platform margin; no separate security trustee; slow early diversification, with one 20,000 pound-plus investor spread across just 11 loans; and development loans overrunning their terms without ever appearing in the published statistics. Weigh both halves: eight years of flawless self-reported numbers, and an eight-year refusal to let anyone independent check them.