Loanpad changes the landscape for investors. It offers two online lending accounts that are simple and flexible to operate with daily interest. Both are also available as an ISA for tax-free returns, and come with some degree of risk. We provide a user-friendly, lower-risk platform for investors to earn daily interest through shared short-term property loans. Our innovative structure effectively shields our customers from much of the risk of peer-to-peer lending by typically partnering with established property lenders who take on both higher risk and return. We charge no upfront fees to customers, instead taking a portion of interest earned from borrowers. In other words, we earn when our investors earn.