Rebuildingsociety.com
Rebuildingsociety.com is a Leeds-based UK peer-to-peer lending platform that connects small and medium-sized businesses seeking finance with individual and other eligible lenders.
Last updated November 4, 2026
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Overview
Rebuildingsociety.com is a United Kingdom peer-to-peer, or peer-to-business, lending platform founded in Leeds in 2012 by Daniel Rajkumar. Its core purpose is to facilitate the online arrangement of finance between small and medium-sized enterprises and lenders. Rather than operating primarily as a conventional bank, the platform allows an approved business to publish a borrowing proposal and enables investors to assess the information supplied, choose whether to participate, and subscribe to a portion of the loan. Lenders can generally choose the amount they commit and the interest rate at which they are prepared to lend, while the borrower receives funding assembled from multiple participants. The business emerged during a period when alternative finance was becoming more prominent in the United Kingdom and when smaller companies often found bank credit difficult to obtain. Rebuildingsociety.com was among the early UK platforms to launch before the sector received its later regulatory framework. The first loans arranged through the platform were completed in February 2013. By October of that year, the company reported that it had passed £1 million in arranged lending. It subsequently reported approximately £3.5 million in total advances by August 2014, more than £5 million of completed loans by January 2015, and more than £10.4 million in total lending by August 2016. The platform's proposition combines borrower access to non-bank finance with investor-directed lending. Potential returns are not fixed or guaranteed: outcomes depend on the interest rate, borrower performance, loan structure, and defaults. A January 2014 figure cited for 25 completed loans showed an average gross interest rate payable to lenders of 15.57%, while the same discussion noted that defaults could materially reduce earnings and were forecast at up to 7% depending on lender risk appetite. These historical figures should not be interpreted as current performance or as a promise of future returns. Regulatory change became an important part of the company's development. The Financial Conduct Authority began regulating UK peer-to-peer lending activities from April 2014. Rebuildingsociety.com initially operated under interim permission and was recorded as having obtained full FCA authorisation by February 2017, including permission to operate an electronic system in relation to lending and to handle client money. The platform also developed routes intended to broaden the types of capital that could be used for lending. In January 2015 it announced a partnership with SIPPclub, intended to enable qualifying investors to lend through a specially designed self-invested personal pension arrangement using EvolutionSIPP. It opened registrations for an Innovative Finance ISA in March 2017, following the UK government's development of the tax-advantaged product category for peer-to-peer lending. Rebuildingsociety.com has also pursued institutional and public-sector relationships. In February 2018 it began working with Leeds City Council to provide funding to businesses based in Leeds. Alongside its own lending marketplace, the company promoted a white-label version of its technology for organisations seeking to enter peer-to-peer lending or crowdfunding. It announced its first three white-label clients in August 2013. This technology activity positioned the brand not only as a direct lending marketplace but also as a provider of infrastructure for alternative-finance operators. The company has participated in the wider UK alternative-finance conversation through research and industry commentary. A late-2013 study attributed to the platform suggested that many small-business owners remained unfamiliar with peer-to-business lending and continued to rely on personal borrowing to support their companies. Rebuildingsociety.com later received a five-star rating in Defaqto's first loan-based crowdfunding analysis in November 2019, and its chief executive Daniel Rajkumar was included in the Peer-to-Peer Finance News Power 50. Available reference material does not establish the company's current ownership, revenue, employee count, valuation, or present lending volume.
History
Rebuildingsociety.com was established in Leeds in 2012 by Daniel Rajkumar as a platform for arranging finance between lenders and small and medium-sized businesses. It entered a UK alternative-finance market that was developing in response to constrained bank lending and growing interest in online marketplaces. The first loans were completed in February 2013. The platform's model allowed approved businesses to present loan applications online, after which investors could review available information and subscribe to portions of the requested borrowing. Investors could select their commitment and, within the platform's model, the interest rate at which they were willing to lend. During its early expansion, the business reported several lending milestones. It passed £1 million of lending in October 2013, reported approximately £3.5 million in advances by August 2014, exceeded £5 million of completed loans in January 2015, and reported total lending above £10.4 million by August 2016. The company also sought to educate the SME market: research published in late 2013 indicated that many business owners were still unfamiliar with peer-to-business lending and continued to use personal borrowing as a source of business finance. Investor returns on the platform were presented as variable rather than guaranteed. A historical January 2014 snapshot covering 25 completed loans cited an average gross interest rate of 15.57%, while also indicating that defaults could reduce earnings and might reach up to 7% depending on the lender's risk appetite. The figures were time-specific and did not represent a permanent platform rate or a current return expectation. Regulation became a major stage in the platform's maturation. The Financial Conduct Authority began regulating UK peer-to-peer lending from April 2014. Rebuildingsociety.com subsequently progressed from interim permission to full FCA authorisation, recorded by February 2017. The permissions described in the reference material covered operating an electronic system in relation to lending and handling client money. The company also explored tax-advantaged and pension-based investment routes. It announced a January 2015 partnership with SIPPclub, intended to support qualifying investment through an EvolutionSIPP arrangement, and opened pre-registration for an Innovative Finance ISA in March 2017. The brand expanded beyond its own marketplace through a technology-licensing proposition. Its White Label Crowdfunding service offered a licensed version of the platform's technology to businesses seeking to enter peer-to-peer lending or crowdfunding, and three initial clients were announced in August 2013. This added a business-to-business software dimension to a company otherwise primarily identified with SME lending. In February 2018, Rebuildingsociety.com began a partnership with Leeds City Council to provide finance to Leeds-based businesses. The arrangement connected the platform's local identity with a public-sector-supported business-finance initiative. In November 2019, the platform received a five-star rating in Defaqto's first loan-based crowdfunding analysis. Daniel Rajkumar was also named in the Peer-to-Peer Finance News Power 50. The available sources do not provide a reliable current ownership structure, financial statements, present lending totals, or a confirmed list of current senior executives beyond the association of Rajkumar with the chief executive role.
- 2019
Defaqto five-star rating
[1]The platform received a five-star rating in Defaqto's first loan-based crowdfunding analysis.
- 2018
Leeds City Council partnership
[1]The firm began a partnership intended to help provide finance to Leeds-based businesses.
- 2017
Full FCA authorisation
[1]The platform transitioned from interim permission to full FCA authorisation for specified lending-system and client-money activities.
- 2017
Innovative Finance ISA pre-registration opens
[1]The company opened pre-registration for an Innovative Finance ISA in March.
- 2016
Total lending exceeds £10.4 million
[1]Reported total lending surpassed £10.4 million in August.
- 2015
SIPPclub partnership announced
[1]The company announced a proposed pension-investment route using SIPPclub and EvolutionSIPP.
- 2015
Completed loans exceed £5 million
[1]Rebuildingsociety.com reported passing £5 million in completed loans in January.
- 2014
UK peer-to-peer lending regulation begins
[1]The Financial Conduct Authority began regulating the UK peer-to-peer lending industry from April.
- 2014
Reported advances reach approximately £3.5 million
[1]Total advances were reported at approximately £3.5 million by August.
- 2013
First loans completed
[1]The first loans arranged through the platform were completed in February 2013.
Products and positioning
A UK alternative-finance platform focused on connecting small and medium-sized businesses with lenders, while also offering technology and structures intended to support investor access and third-party peer-to-peer lending operations.
Alternative finance · 2013
Peer-to-peer business loans
The core marketplace service enables approved small and medium-sized businesses to publish borrowing requests online. Lenders can review the information made available about a proposal and subscribe to part of the loan rather than necessarily funding the entire amount themselves. The model is designed to connect business borrowers with non-bank capital and gives participating lenders control over how much they commit and, within the platform's structure, the interest rate they seek. Returns and capital outcomes depend on borrower performance and can be reduced by defaults.
Tax-advantaged investment wrapper · 2017
Innovative Finance ISA
Rebuildingsociety.com opened pre-registration for an Innovative Finance ISA in March 2017. The product category was intended to allow qualifying peer-to-peer lending investments to be held within a UK tax-advantaged individual savings account. The available material confirms the pre-registration activity but does not establish current availability, eligibility terms, or present product conditions.
Pension investment arrangement · 2015
EvolutionSIPP lending route
In January 2015, the company announced a partnership with SIPPclub intended to enable qualifying investors to invest through a specially designed self-invested personal pension. The proposed structure used EvolutionSIPP and was designed to give investors a pension-based route to participation in platform loans. The available reference does not confirm the arrangement's current operation or subsequent commercial scale.
Financial technology platform · 2013
White Label Crowdfunding
White Label Crowdfunding was a licensed version of Rebuildingsociety.com's technology offered to other organisations seeking to enter peer-to-peer lending or crowdfunding. The proposition allowed a third party to use platform infrastructure rather than build an entire marketplace from scratch. The company announced its first three clients in August 2013, but the available material does not identify those clients or describe the current status of the service.
Marketing campaigns
- 2013SME awareness research
United Kingdom
The company published or commissioned research indicating that many UK small-business owners were not yet familiar with peer-to-business lending and often relied on personal borrowing to support their companies. The activity supported the broader task of explaining alternative finance to prospective borrowers.
Outcome. The reference material reports the findings but does not provide a measurable campaign conversion or commercial outcome.
Brand decisions
2018
Partner with Leeds City CouncilStrategyBackground
The company sought to use its lending model to support businesses in its home city.
Action taken
It began a partnership with Leeds City Council to provide funding to Leeds-based businesses.
Aftermath
The reference confirms the partnership's beginning but does not quantify the funds deployed or the number of businesses supported.
2017
Open Innovative Finance ISA registrationsStrategyBackground
The UK introduced a tax-advantaged ISA category intended to accommodate qualifying peer-to-peer lending investments.
Action taken
Rebuildingsociety.com opened pre-registration for an Innovative Finance ISA in March 2017.
Aftermath
The source records pre-registration but does not provide evidence about subsequent uptake or current availability.
2015
Develop pension-based investor accessStrategyBackground
The company sought to broaden the ways in which qualifying investors could access peer-to-peer lending opportunities.
Action taken
It announced a partnership with SIPPclub intended to support investment through an EvolutionSIPP arrangement.
Aftermath
The reference confirms the announcement but does not establish the arrangement's current status or scale.
2013
Expand into white-label lending technologyStrategyBackground
The company sought to apply its platform capabilities beyond its own lending marketplace as alternative finance began attracting new operators.
Action taken
It offered a licensed version of its technology to organisations seeking to launch peer-to-peer lending or crowdfunding services and announced three initial clients.
Aftermath
The available material confirms the initial client announcement but does not provide later performance or the identities of the clients.
Recent events
- 2019
Defaqto gives platform a five-star rating[1]
Other
Rebuildingsociety.com received a five-star rating in Defaqto's first analysis of loan-based crowdfunding platforms.
- 2018
Leeds City Council funding partnership begins[1]
Other
The company began a partnership with Leeds City Council intended to provide funding to businesses in Leeds.
- 2017
Full FCA authorisation recorded[1]
Regulation
The platform moved from interim permission to full Financial Conduct Authority authorisation, including permissions relating to electronic lending systems and client money.
- 2016
Total lending surpasses £10.4 million[1]
Other
Reported total lending exceeded £10.4 million by August 2016.
- 2015
SIPPclub partnership announced[1]
Other
Rebuildingsociety.com announced an arrangement intended to let qualifying investors use an EvolutionSIPP structure to invest through the platform.
- 2015
Completed lending exceeds £5 million[1]
Other
The company reported passing £5 million in completed loans in January 2015.
- 2014
Lending volume reaches approximately £3.5 million[1]
Other
Reported total advances reached approximately £3.5 million by August 2014.
- 2013
Rebuildingsociety.com completes its first loans[1]
Product launch
The platform's first loans were completed in February 2013, marking the beginning of its reported lending activity.
- 2013
Platform passes £1 million in arranged lending[1]
Other
Rebuildingsociety.com reported exceeding £1 million in lending during October 2013 as UK non-bank finance expanded.
- 2013
Rebuildingsociety.com announces first white-label technology clients[1]
Product launch
The company announced three initial clients for a licensed version of its peer-to-peer lending technology.
Sources1 sources
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