Ratesetter is a P2P lender, lending to individuals (about 70% of their book) and businesses.
You can get a £100 bonus if you invest a minimum of £1000 for a minimum of one year. The interest return varies according to demand for loans. At the time of writing, it's 3.5%; higher rates are available for 5 year terms and lower rates for instant access. Your funds can be placed within an ISA or not.
It's an investment
, so the funds placed with Ratesetter are not guaranteed by the FSCS or anything else and your capital is potentially at risk.
Note - there seem to be two steps: you have to deposit funds and then request to have them lent out.
My referral link is below. I get £50 for anyone who invests a minimum of £1000 for a minimum of one year. Thank you to anyone who takes up the offer.