Innovative Finance ISA: P2P Lending Risks for UK Savers — The Innovative Finance ISA (IFISA) lets you wrap peer-to-peer lending in your ISA allowance, earning interest tax-free. Promised yields of 6–10% sound great. The risks are real and often understated. How IFISAs Work You lend money via a P2P platform to: Small businesses (debt-based) Individuals …