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.

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
Live
S
Sarah borrowed a Canon DSLR in Shoreditch
2m ago
J
James listed 3 power tools in Manchester
5m ago
A
Aisha returned a tent — rated 5 stars
8m ago
M
Marcus earned £45 this week lending gear
12m ago
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
🔧
View listing
DeWalt 18V Hammer Drill Kit
★★★★★
£8 /day
View listing
4-Person Tent + Camping Bundle
★★★★☆
£12 /day
🎸
View listing
Fender CD-60S Acoustic Guitar
★★★★★
£10 /day
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.

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
  • Verified lender identities with trust scores visible
  • 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
100%
Photo-evidenced transactions
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

Verified at every level

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

Level 1
📧

Basic

Email & phone verified. Browse the marketplace.

Borrow under £25
Level 2
🪪

Verified

Photo ID checked. Full marketplace access. Can list items.

Full access
Level 3
🔐

Trusted

Address verified. Borrow any value. Reduced deposits.

Reduced deposits
Level 4

Super Member

10+ loans, 4.8+ trust score. Skip deposits. Priority access. Trusted badge.

Skip deposits
Reputation system

Trust scores, explained

Not a black box. You can see exactly how your score is calculated and what it means.

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, skip deposits on items under £100
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
avg. monthly earnings

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

🔧

Power tools

£120
avg. monthly earnings

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

Camping & outdoor

£95
avg. monthly earnings

Tents, sleeping bags, stoves — peak season earnings can triple.

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. Photo ID is required for full marketplace access (Level 2+). Higher-value borrowing requires address verification (Level 3). No anonymous accounts, ever.

💳

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.

🔒

End-to-end encrypted

All messages & payments encrypted at rest and in transit

🏦

Stripe-secured

PCI Level 1 compliant processing with payment hold protection

🇬🇧

UK data residency

All data on encrypted EU/UK servers, fully GDPR compliant

⚖️

Dispute resolution

Dedicated support team with photo-evidence resolution

Community

Loved by early members

★★★★★
Verified borrower
"Borrowed a DSLR for my holiday instead of buying one. Saved £800 and the owner was incredibly helpful with settings. This changes everything."
S
Sarah K.
London · 23 borrows
★★★★★
Top lender
"Made £340 this month lending my power tools and camping gear. Things that were collecting dust in my garage are now paying my phone bill."
J
James T.
Manchester · 47 items listed
★★★★★
Trust score: 4.98
"The trust score system is genius. You know exactly who you're lending to. My neighbours and I share tools constantly now — it's built a real community."
P
Priya M.
Birmingham · 4.98 trust score
Pricing

Start free. Scale when ready.

No hidden fees. Transparent per-transaction pricing — you always know what you'll earn and what you'll pay.

Free
£0 /forever
Everything you need to start borrowing and lending in your community.
  • Unlimited transactions
  • 4-angle condition checks
  • Trust scores & reviews
  • Push reminders
  • Radius matching
  • In-app messaging
Get started free

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%)
Still 80% cheaper than buying a £1,200 camera for a weekend trip. 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.
Absolutely. All data is stored on encrypted EU/UK servers, fully GDPR compliant. 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 export or delete all your data at any time.
We're currently live in London and expanding to 12 major UK cities this year including Manchester, Birmingham, Leeds, Bristol, Edinburgh, and more. Join the waitlist to be notified when we launch in your area.
We take non-returns seriously. Automated reminders are sent at the deadline, then at +2h, +12h, and +24h. After 48 hours with no response, we contact the borrower directly. After 72 hours, the item is classified as non-returned: the full deposit is captured, and our Protection Programme covers the item's value up to £10,000. We'll support you in filing a police report and the borrower's account is permanently 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 is identity-verified before they can borrow items over £25. We recommend meeting at public locations (cafes, community centres), and you can share your live location with a trusted contact during handovers. Both parties must confirm the handover in-app with timestamps and GPS coordinates logged. For high-value items, consider meeting at a well-populated public space. You can also 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, identity verification, 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. You'll also need Level 3 verification (photo ID + address verified). Trusted Members earn a visible badge, can skip deposits on items under £100, get priority placement in search results, and access exclusive listings. Your status is reviewed quarterly to ensure it's maintained.
🌱
Every item borrowed is
one less manufactured

The average UK household owns £3,500 worth of items used less than once a month. Borrowed keeps things in use instead of in landfill.

♻️ Cameras, tools, camping & more
🌍 8.2 tonnes CO² saved
🏠 London community

Stop buying things
you'll only use once

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

Founding member access · Free to join