Capbay does best so far, but I haven’t been with them that long. They have a very low default rate at their statistics page. I don’t see anything contrary to their claimed 8.2% p.a. net fees so far. Though remember you have to pay income tax at after that 8.2% net return rate. There is automated investment functions, but you can’t adjust individual issuer/borrower exposure limit %, only general risk levels. Through an email, they said that they try to limit individual borrower exposure to approximately 4%. I prefer something like 2% though though I have not encountered a default yet over approximately half a year.

Can explore Funding Societies and CapBay for lower risk notes due to their payables and receivables financing as well as dealer financing. So far CapBay 0% default rate and has a strong base/experience in invoice financing so can give it a try. Tenures of 1-6 months also offer attractive liquidity to investors.