Investors
Lending between people, at scale.
Paybackly is a UK peer-to-peer lending platform turning informal IOUs between friends and family into legally binding loans, with automatic Direct Debit repayments and a clear path to recovery if things go wrong.
Interest charged
0%
Always. The lender receives back exactly what they lent.
Borrower revenue
3% + 50p
Flat service fee, spread across installments. No APR.
Loan range
£100 – £5,000
Tiered. New users start at £500; Gold reaches £5,000.
Coverage
UK
UK residents with a UK bank account. Stripe Identity verified.
Why we exist.
Around 50% of UK adults have lent money to a friend or family member. Half of those loans are never repaid in full. The market already exists — Paybackly turns it into structured, transparent financial activity instead of awkward text messages and broken relationships.
How it works.
Every loan creates a binding agreement under English law. Repayments collect automatically via Bacs Direct Debit. Borrowers are ID-verified through Stripe Identity. A progressive tier system rewards on-time repayment and protects lenders from over-extending.
What we'd like to discuss
- Pre-seed and seed rounds — UK-focused funds preferred
- Strategic partnerships with FCA-authorised payment providers
- Banking-as-a-service or open banking partners with UK coverage
- Distribution partnerships (universities, employers, communities)
Reach us at investors@paybackly.online. Pitch deck and financial model available on request.