moolr

moolr

moolr was established as a peer-to-peer lending platform in the United Kingdom, operating under Financial Conduct Authority regulation. The firm runs a direct-lending marketplace where individual and institutional investors fund personal loan originations, earning returns from borrower repayments net of defaults and a platform fee. The platform concentrates on prime and near-prime unsecured consumer lending, screening applicants through credit-reference-agency data and internal underwriting models. Loans listed on moolr are typically amortizing, with fixed rates set according to risk grade. Lenders select loans manually or via auto-invest tools that diversify exposure across multiple borrowers. The United Kingdom is the sole geography for both originations and lending capital. moolr has operated during a period of significant regulatory evolution for the UK P2P sector, including the FCA's introduction of appropriateness tests, wind-down-plan requirements, and lending-cap rules for retail investors. The firm has maintained its authorization throughout these changes, continuing to serve both retail and institutional participants. The platform's default rates and provision fund performance are disclosed in public loan books and annual reports required by the regulator. The firm's structural posture differs from neobanks and deposit-takers: moolr does not hold a banking license or take deposits. It earns revenue from arrangement fees charged to borrowers and ongoing servicing fees deducted from lender returns, without assuming credit risk on its own balance sheet. This market-maker model aligns with the original UK P2P architecture that the FCA formalized under Article 36H of the Regulated Activities Order.