RateSetter offers people a new, simple and accessible way to make their money work for them. Our goal is to make investing better by opening the asset class of loans to everyone, giving ordinary investors access to the same investment opportunities and choices as professional investors. We match lenders to creditworthy consumer and business borrowers across the UK. The interest rates in our market are not set by a bank or a committee - rather they are decided by the supply of and demand for money. As with all investments, lending involves some risk and RateSetter is not covered by the Financial Services Compensation Scheme. Our Provision Fund acts as a buffer against losses for our lenders and we publish clear, real time performance data so everyone can see the risk and rewards of lending.