Affiliate disclosure. We earn a commission when readers open an account with some of the platforms listed here. Positions are decided before any of that is counted. Capital at risk; P2P lending may result in total loss. Read the full disclosure

Monthly archive

Every issue of the TopPulse ranking, month by month.

Every month TopPulse publishes a single ordered ranking of the peer-to-peer and crowdlending platforms it tracks. This archive collects those issues, newest first, so you can see not only where a platform stands today but how it has moved over time.

The ranking uses a monthly position, not a permanent score. We do not assign a number out of ten or a star grade that follows a platform around; each issue instead places the platforms in order for that month, based on an editorial assessment of five things: regulatory standing, track record and default history, investor experience, the yield and terms on offer, and transparency of reporting. A platform earns its place by delivering on those and slips when it stumbles, and every move is explained in the issue.

Because the ranking is rebuilt each month, a position is a snapshot, not a verdict for all time, so reading two or three consecutive issues tells you more than any single month. Some platforms carry no position at all: when a platform is under a regulator alert, the subject of an active investigation, or has restricted withdrawals, we withhold its ranking and say why. Use the archive to track direction, then read the individual reviews before you commit. Capital is at risk, and P2P lending is not covered by any deposit-guarantee scheme.