Beta — London Invite-only

Borrow almost anything
from people nearby

The peer-to-peer marketplace where your neighbours' stuff becomes yours to borrow. Verified users, secure payments, every item protected.

Open Marketplace Beta See how it works Post a request
S
J
A
M
R
Founding members get priority access · London launch
📸
Canon EOS R6 Mark II
£15/day
4.9
Available now
🔧
DeWalt Hammer Drill
£8/day
5.0
⛺
4-Person Tent + Gear
£12/day
4.8
🎸
Fender Acoustic
£10/day
🔧 Power Tools
📸 Camera Gear
⛺ Camping
🎸 Instruments
🎮 Gaming
👗 Fashion
🏂 Sports
📚 Books
🔌 Electronics
🍳 Kitchen
🚗 Auto
🧹 Cleaning
🔧 Power Tools
📸 Camera Gear
⛺ Camping
🎸 Instruments
🎮 Gaming
👗 Fashion
🏂 Sports
📚 Books
🔌 Electronics
🍳 Kitchen
🚗 Auto
🧹 Cleaning
Example activity
S
Sarah borrowed a Canon DSLR nearby
Borrow
J
James listed 3 power tools
List
A
Aisha returned a tent — rated 5 stars
Return
M
Marcus lent out camping gear
Lend
Browse the marketplace

Everything you need,
without buying it

Why spend hundreds on something you'll use once? Borrow from a verified neighbour for a fraction of the cost.

📸
View listing
Canon EOS R6 Mark II + 24-70mm
★★★★★
£15 /day
D
Daniel · 4.9
0.8 mi
🔧
View listing
DeWalt 18V Hammer Drill Kit
★★★★★
£8 /day
R
Rachel · 5.0
1.2 mi
⛺
View listing
4-Person Tent + Camping Bundle
★★★★☆
£12 /day
T
Tom · 4.8
2.1 mi
🎸
View listing
Fender CD-60S Acoustic Guitar
★★★★★
£10 /day
K
Keira · 4.9
0.5 mi
How it works

Three steps. Two minutes.

Whether you're borrowing or lending, the entire process is frictionless.

01

Find what you need

Search the marketplace or browse categories. Filter by distance, price, and trust scores.

→
02

Book & collect

Request an item, agree on dates, pay securely. Meet your neighbour and pick it up.

→
03

Return & review

Return when done. Photo-verify condition. Leave a review and build your trust score.

Borrowed Guarantee
Your protection

The Borrowed Protection Programme

Real protection with real mechanisms. Deposit holds, photo evidence, and platform-funded resolution — every pound accounted for.

🛡️
Lender protection

Your items are covered

  • ✓ Item damage protection up to £10,000 via deposits + platform fund
  • ✓ Theft & non-return protection with police report support
  • ✓ Automatic deposit holds on borrower's card before pickup
  • ✓ Late return compensation at your configured hourly rate
  • ✓ Mandatory photo condition checks at pickup & return
  • ✓ Payout within 3 business days of confirmed return
✅
Borrower protection

Borrow with confidence

  • ✓ Full refund if item is not as described — reject at pickup
  • ✓ Payment held until both parties confirm handover
  • ✓ Free cancellation up to 24 hours before pickup
  • ✓ Lender trust scores visible before you book
  • ✓ 24-hour dispute window after every return
  • ✓ Goodwill credit if a lender cancels on you
£10K
Max protection per rental
24h
Dispute response target
3 days
Lender payout after return
4-angle
Photo condition checks
Read the full Protection Programme terms →

The Protection Programme is a discretionary goodwill fund, not a guaranteed policy. Coverage is not guaranteed and is subject to the programme terms.

When things go wrong

Clear process. Fair outcomes.

Every dispute follows the same transparent, evidence-based process. No guesswork.

📋

Report

File a report with photo evidence within 24 hours of return

Within 24h
💬

Respond

Other party reviews and submits their side with evidence

48h deadline
🔍

Review

Borrowed's Resolution Team reviews all evidence and photos

Within 24h
⚖️

Resolve

Decision issued. Funds released, refunded, or deposit charged

Same day
🔄

Appeal

Disagree? Request a second review with additional evidence

7-day window
Identity & trust

Trust built step by step

Progressive verification that unlocks more of the marketplace as you build trust.

Level 1
📧

Basic

Email & phone verified. Browse and borrow from the marketplace.

Full access
→
Level 2
⭐

Trusted Member

10+ loans, 4.8+ trust score. Priority in search. Trusted badge.

Priority access
Trust System
Reputation system

Trust scores, explained

Transparent reputation built on real behaviour. Here's what contributes to your score.

How your score is calculated

Punctuality30%
Item condition on return30%
Communication20%
Reviews from others20%

New users start at a baseline score. Your first 5 transactions are weighted for trust-building, and completing verification levels gives bonus points.

What your score unlocks

🏆
Trusted
Priority in search, Trusted badge on profile
4.8 – 5.0
✓
Good standing
Full marketplace access, standard deposit rates
4.5 – 4.7
⚠️
Under review
Limited to items under £50, higher deposits required
4.0 – 4.4
🚫
Restricted
Account under review, borrowing suspended
Below 4.0
Real scenarios

What actually happens when…

Concrete answers, not vague promises. Here's exactly how each situation is handled.

💥

An item gets damaged

  1. 1 Lender documents damage with photos at return check
  2. 2 Reports within 24 hours with side-by-side evidence
  3. 3 Deposit hold charged up to the cost of repair
  4. 4 If damage exceeds deposit, Protection Programme covers the rest (up to £10K)
  5. 5 Lender compensated within 5 business days
🚨

An item isn't returned

  1. 1 Automated reminders sent at deadline, +2h, +12h, +24h
  2. 2 After 48 hours: Borrowed contacts borrower directly
  3. 3 After 72 hours with no response: classified as non-return
  4. 4 Full deposit captured + Protection Programme covers item value (up to £10K)
  5. 5 Borrower permanently suspended. Police report supported.
⏰

A borrower returns late

  1. 1 2-hour grace period (configurable by lender)
  2. 2 After grace: automatic late fee at lender's set rate
  3. 3 After 24 hours late: elevated to "overdue" status
  4. 4 Late fee charged from the deposit hold
  5. 5 Trust score penalty applied. 3 lates in 90 days = restriction
👻

Someone doesn't show up

  1. 1 30-minute window at the agreed pickup time & place
  2. 2 After 30 min: other party marks no-show in the app
  3. 3 Borrower no-show: 25% of first day charged as no-show fee
  4. 4 Lender no-show: full refund + £5 goodwill credit to borrower
  5. 5 3 no-shows in 90 days: temporary account restriction
For lenders

Turn idle items into income

You set the rules. You set the prices. We handle payments, protection, and disputes.

📸

Camera gear

£180
illustrative monthly example

DSLRs, lenses, tripods, lighting — earn while your gear sits in a bag.

🔧

Power tools

£120
illustrative monthly example

Drills, saws, sanders — your garage becomes a revenue stream.

⛺

Camping & outdoor

£95
illustrative monthly example

Tents, sleeping bags, stoves — peak season demand is typically higher.

Start listing your items

Illustrative examples only; actual earnings vary by demand, item type, and account standing.

Built for trust

Every detail, considered

The features that make borrowing feel as safe as buying new.

🛡️

Verified identities

Every user verifies their email and phone before transacting. Enhanced identity checks are on our roadmap. No anonymous accounts.

💳

Stripe deposit holds

Rental payment is authorised on the borrower's card but only captured after both parties confirm handover via condition checks. Deposits are an authorisation hold — not a charge. Payout released to the lender after confirmed return; paused if a dispute is opened.

⭐

Trust scores

Real-time reputation based on punctuality, condition, and communication. Accountability that works.

📍

Radius matching

Find items within walking distance. Requests broadcast to nearby lenders automatically.

📸

Photo documentation

Timestamped before-and-after photos. Clear evidence for fair dispute resolution.

🔒

Encrypted & secure

All messages & payments encrypted in transit (TLS) and at rest

🏦

Stripe-secured

PCI Level 1 compliant processing with payment hold protection

🇬🇧

GDPR-aligned handling

Encrypted storage with GDPR-aligned processing. International transfers may occur with safeguards (Privacy Policy).

⚖️

Dispute resolution

Dedicated support team with photo-evidence resolution

Community

What borrowing could look like

★★★★★
Borrower
"Borrowed a DSLR for my holiday instead of buying one. The owner was incredibly helpful with settings. This changes everything."
S
Sarah K.
London
★★★★★
Lender
"Things that were collecting dust in my garage are now earning money. Lending power tools and camping gear has been a great side income."
J
James T.
London
★★★★★
Community member
"The trust score system means you know who you're lending to. My neighbours and I share tools constantly now — it's built a real community."
P
Priya M.
London

Illustrative examples. Real customer stories will be added as the London beta progresses.

Transparent
Pricing

Free to join. Transparent fees.

No subscription required. Per-transaction fees apply when you borrow or lend — you always know what you'll earn and what you'll pay.

Free to join
£0 /month
Everything you need to start. Per-transaction fees apply when you borrow or lend.
  • ✓ Up to 10 loans/month
  • ✓ 4-angle condition checks
  • ✓ Trust scores & reviews
  • ✓ Push reminders
  • ✓ Radius matching
  • ✓ In-app messaging
Join the waitlist
Premium
£1.99 /month
Unlimited loans, smarter reminders, and full export tools for active lenders.
  • ✓ Unlimited items
  • ✓ SMS reminders
  • ✓ Deposit templates
  • ✓ Exportable ledger (CSV & PDF)
Join the waitlist

How a £15/day rental breaks down

£15
Rental price
→
£12.75
Lender receives (85%)
+
£2.25
Platform fee (15%)
+
£1.80
Borrower service fee (12%)
Illustrative example: borrowing a £1,200 camera for a weekend costs a fraction of buying one. Lenders are paid within 3 business days of confirmed return.
FAQ

Common questions

Payments are processed securely through Stripe. When you borrow an item, the rental amount is authorised on your card but only captured once both parties confirm the handover via photo condition checks. If something goes wrong, you're protected by our dispute resolution process and the lender's payout is held until the dispute is resolved.
Every transaction includes photo documentation of the item before and after. If damage occurs, our support team reviews the evidence and handles resolution. Lenders can also set deposit amounts for high-value items for additional protection.
Trust scores are calculated from return punctuality, item condition upon return, communication responsiveness, and reviews from other users. The higher your score, the more visible your listings become and the more likely people are to lend to you.
Yes. All data is encrypted in transit and at rest, with GDPR-aligned data handling and processing. We never sell your data. In-app messaging means you never need to share your phone number or address until you're ready to meet. You can request a copy of your data or ask for it to be deleted by contacting us.
We're currently in beta in London. Join the waitlist to be notified when we expand to your area.
We take non-returns seriously. Automated reminders are sent around the return deadline. After 48 hours overdue, the system escalates to a non-return dispute. The deposit can be captured, and our Protection Programme may cover additional value. We can support you in filing a police report and the borrower's account will be suspended.
Borrowers can cancel for free up to 24 hours before the agreed pickup time for a full refund. Cancellations 2–24 hours before receive a 50% refund. Cancellations less than 2 hours before receive no refund (the lender is compensated for their time). If a lender cancels, the borrower receives a full refund plus a £5 goodwill credit, and the lender receives a trust score penalty.
Deposits are a hold on the borrower's payment method — not an actual charge. The lender sets the deposit amount (we recommend 20–50% of the item's value). The hold is placed when the booking is confirmed and released 48 hours after a successful return with no disputes. If damage occurs, the deposit can be partially or fully charged to cover repair or replacement costs.
Safety is core to our design. Every user verifies their email and phone before transacting. We recommend meeting at public locations (cafes, community centres). Both parties confirm the handover in-app with timestamps and GPS coordinates logged. You can communicate entirely through the app — no need to share personal phone numbers.
Prohibited items include: weapons and ammunition, illegal substances, hazardous materials, counterfeit or stolen goods, items requiring professional licensing to operate (medical devices, etc.), live animals, vehicles, and items with active safety recalls. Listings are moderated automatically and manually. Violations result in listing removal and potential account suspension.
Lenders are paid within 3 business days of a confirmed return with no open disputes. Payment goes directly to your linked bank account via Stripe. If a dispute is opened within 24 hours of return, the payout is held until the dispute is resolved. Lenders keep 85% of the rental price on all transactions.
We charge a 15% platform fee on the rental price (taken from the lender's side) and a 12% service fee added to the borrower's total. These fees fund payment processing, our Protection Programme, dispute resolution, platform development, and customer support. There are no hidden fees — the total is always shown before you confirm a booking.
Complete 10 or more successful transactions (borrows or loans) with a trust score of 4.8 or above. Trusted Members earn a visible badge and priority placement in search results. Your status is reviewed periodically to ensure it's maintained.
🌱
Every item borrowed is
one less manufactured

Studies suggest the average UK household owns thousands of pounds worth of items used less than once a month. Borrowed keeps things in use instead of in landfill.

♻️ Cameras, tools, camping & more
🌍 Less waste, more sharing
🏠 London community
⭐ Limited spots

Become a Founding Lender

We’re hand-picking London’s first lenders. List your items now and lock in permanent perks that won’t be offered again.

  • 💰
    Reduced 10% platform fee Locked in for your first 20 rentals (vs 15% standard)
  • 🏅
    Founding Lender badge Permanent profile badge — borrowers trust founders
  • 🔝
    Priority in search Your listings appear first for the first 6 months
  • 🤝
    Concierge onboarding We help you photograph, price, and list your items
Join as Founding Lender →
📸

Camera gear

Earn £30–80/weekend from a camera body + lens

🔧

Power tools

Earn £10–25/day from tools gathering dust

⛺

Camping

Earn £20–50/weekend from tents & sleeping bags

🎸

Music

Earn £15–40/day from instruments & audio gear

📊

List 3–5 items to get started

Earnings depend on item type, demand, and your area

Now accepting founding lenders · London only

Stop buying things
you'll only use once

Join our London beta and be first to borrow smarter. Free to join, no spam.

Founding member access · Free to join