--- title: Competition, collaboration and consolidation description: Read our latest blog about competition, collaboration and consolidation in the online real estate investment market image: https://www.shojin.co.uk/hubfs/Imported_Blog_Media/961597a2-04ea-47cb-a7a8-cd93b1a46125.jpg --- Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 minutes to learn more. Risk information **Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**   **Estimated reading time: 2 min**   Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.   **What are the key risks?**   1. **You could lose all the money you invest** - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested. - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money. - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing. - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses. 2. **You are unlikely to be protected if something goes wrong** - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker) - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers) 3. **You are unlikely to get your money back quickly** - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money. - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy. 4. **This is a complex investment** - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made. - You may wish to get financial advice to understand how the structure works before deciding to invest. 5. **Don’t put all your eggs in one basket** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). Close [Skip to content](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#main-content) [![shojin-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-logo.png?width=92&height=30&name=shojin-logo.png) ![logo-light](https://www.shojin.co.uk/hs-fs/hubfs/shojin/logo-light.png?width=92&height=30&name=logo-light.png) ![shojin-logo-fixed](https://www.shojin.co.uk/hubfs/shojin/shojin-logo-fixed.svg)](https://www.shojin.co.uk) - [Invest](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#invest) - [Borrow](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#borrow) - [Learn](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#learn) - [Company](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#company) - [Invest](https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation#invest) - 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We share opportunities for global investors to gain exceptional returns. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/invest/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. [All insights ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) Our company Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities. [Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Blog](https://www.shojin.co.uk/insights/tag/blog) 3 min read # Competition, collaboration and consolidation ![](https://www.shojin.co.uk/hubfs/Imported_Blog_Media/961597a2-04ea-47cb-a7a8-cd93b1a46125.jpg) ![](https://www.shojin.co.uk/hubfs/Imported_Blog_Media/961597a2-04ea-47cb-a7a8-cd93b1a46125.jpg)   It is often noted that Economics doesn’t have ‘classics’ that each generation of experts return to and read and re-read.   For example, everyone – be they economist or layman – has heard of Adam Smith’s The Wealth of Nations, but hardly anyone has actually read it.   Is this a problem?  Possibly not.   The key point is that economics and economic analysis moves ahead in such a way that the revolutionary ideas of the past are absorbed into present knowledge and subsequently refined in such a way that makes reading the original version interesting but purely optional.   **Competition drives better outcomes for consumers**   One such foundational idea the world has Adam Smith to thank for is the fundamental concept at the base of most modern economics; the idea that competition between businesses is almost always preferable to monopoly from the consumer's point of view.   This is because it is competition and the resulting need to offer some combination of a good quality product at a reasonable price that has driven better outcomes for consumers across the economy.   However, the level of competition from one sector to another can vary dramatically, as well as the nature and tone of this competition.  The purpose of this article is to outline how we here at Shojin see the landscape of the online real estate investment space today, and, more importantly, what we expect it to look like in the near future.   **Competition or collaboration?**   Obviously the view of competition outlined above is highly simplistic, and any economist trained in the last decade or so since the Global Financial Crisis would question some aspect of this view.   There is much more to B2B and B2C interactions than the simplified ‘fairy-tale’ where competition automatically solves all economic woes in a frictionless manner might lead us to believe.   Part of what makes our mission here at Shojin so exciting is the fact that we are confident in our investment offering, and are therefore happy to stand next to, be compared with, and compete against other investment platforms.   However, there is also a healthy dose of collaboration in terms of how we operate, and that is good for our customers for two main reasons.   1\. Firstly, collaboration means we can bring to our clients a wider range of real estate investment opportunities. By partnering with like-minded platforms around the world we can unlock investment options in many more diverse locations.   2\. Secondly, collaboration is a signal that a nascent and innovative marketplace is maturing into a permanent feature of the global investment landscape.  Crucially, the rise of collaboration in this space shows that there is no longer a debate over whether online real estate investment platforms can succeed anymore; the debate has now moved on to the more important question of how the sector can best represent itself within the global investment management world.   As such, there is now a dynamic of internal competition between different approaches to online real estate investment, at the same time as there is collaboration in order to raise the profile of the sector and to bring the potential benefits of real estate investment to as many clients as possible.   **Introducing the AREIP**   Shojin is a proud founding member of the [Association of Real Estate Investment Platforms](https://www.areip.org/) [,](https://www.areip.org/) an organisation that brings together real estate investment platforms from around the world to advance the interests of the sector as a whole.   Specifically, the AREIP is set to play a vital role by bringing further standardisation into how the market operates in four key areas: terminology, investment descriptions and data, risk scoring, and operations including technology.   This is important because the technical and necessarily detailed nature of financial data as it relates to illiquid assets like real estate could otherwise be a barrier to entry, putting off some investors.  The AREIP and its members' mission to standardise and make more easily communicable the tremendous benefits of real estate investment is therefore warmly welcomed by us at Shojin.   This transparent way of doing business is enshrined in the AREIP Code of Conduct, which members commit to following in letter and in principle.  Membership of the AREIP is conditional on adhering to the Code of Conduct, and we welcome these developments as a sign that the market is rapidly maturing into a routine investment option for those unsatisfied by the current range of mainstream investments.   **Consolidation is the future of this market**   Like in any other market being rapidly disrupted by technological breakthroughs, online real estate investment is currently very fragmented.   There are numerous SMEs in this space, each with their own investment philosophy and target audience in mind.   This fragmentation is fantastic as a breeding ground for new ideas and innovation, and at Shojin we are proud to have been both one of the first into this new space, as well as one of the most global in terms of both investors and projects.   However, the ideas behind online fractional real estate investing are simply too good for this state of fragmentation to last too long.  We expect to see a phase of consolidation start soon in which further economies of scale are accessed by the resulting larger firms, and deeper specialisation takes place as competing entities find their sub-sectors of the market in which to flourish.   In the meantime, the market will remain characterised by aspects of both competition and collaboration. [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 26 April 2022 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation&body=https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/05%20May/UK%20real%20estate%20confidence%20soars-%20What%20this%20means%20for%20property%20investors/Construction-workers-planning.jpg?width=352&name=Construction-workers-planning.jpg)](https://www.shojin.co.uk/insights/uk-real-estate-confidence-soars-what-this-means-for-property-investors) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [UK real estate confidence soars: What this means for property investors](https://www.shojin.co.uk/insights/uk-real-estate-confidence-soars-what-this-means-for-property-investors) The UK real estate market is experiencing a significant turnaround in sentiment [![UK-leasehold-reform---March-2025-1200px-1](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/03%20March/Leasehold%20reform/UK-leasehold-reform---March-2025-1200px-1.jpg?width=352&name=UK-leasehold-reform---March-2025-1200px-1.jpg)](https://www.shojin.co.uk/insights/commonhold-reforms-the-impact-on-uk-property-investment) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Commonhold reforms: The impact on UK property investment](https://www.shojin.co.uk/insights/commonhold-reforms-the-impact-on-uk-property-investment) As we've covered previously, the UK property market is entering a period of significant evolution,... 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You’remore likely to gain higher returns than traditional, inflexible investing routes. ## Follow us [![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty) Invest - [Overview](https://www.shojin.co.uk/invest) - [Why us](https://www.shojin.co.uk/invest/why-us) - [For Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) - [For Family Office](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) - [For Wealth Managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) - [Products](https://www.shojin.co.uk/invest/products) - [IFISA](https://www.shojin.co.uk/invest/products/ifisa) - [Pensions](https://www.shojin.co.uk/invest/products/pensions) Borrow - [Overview](https://www.shojin.co.uk/borrow) - [Why us](https://www.shojin.co.uk/borrow/why-us) - [Senior](https://www.shojin.co.uk/borrow/products/senior-debt) - [Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) - [Equity](https://www.shojin.co.uk/borrow/products/equity) - [How it works](https://www.shojin.co.uk/borrow/how-it-works) - [Apply](https://www.shojin.co.uk/borrow/how-it-works#ENQUIRE) Learn - [All insights](https://www.shojin.co.uk/insights) - [Masterclass](https://www.shojin.co.uk/insights/tag/masterclass) - [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) - [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) - [Blog](https://www.shojin.co.uk/insights/tag/blog) - [FAQs](https://www.shojin.co.uk/faqs) - [Glossary](https://www.shojin.co.uk/glossary) Legals - [Terms & conditions](https://www.shojin.co.uk/website-terms-conditions) - [Privacy Policy](https://www.shojin.co.uk/privacy-policy) - [Key Risks](https://www.shojin.co.uk/key-risks) - [Risk Management disc](https://www.shojin.co.uk/pillar-3) - [IFISA T&Cs](https://www.shojin.co.uk/ifisa-terms-conditions) Other - [About us](https://www.shojin.co.uk/company/about-us) - [Our team](https://www.shojin.co.uk/company/about-us#TEAM) - [Careers](https://www.shojin.co.uk/company/careers) - [Contact us](https://www.shojin.co.uk/company/contact-us) Awards ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MEZZANINE LENDER OF THE YEAR WINNER Alternative Credit Awards 2024 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MOST INNOVATIVE PROPERTY INVESTMENT PLATFORM WINNER SME Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) BRIDGING LENDER OF THE YEAR WINNER P2P Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) INNOVATIVE LENDER OF THE YEAR HIGHLY COMMENDED P2P Finance Awards 2022 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) FINANCIER OF THE YEAR, RESIDENTIAL FINALIST RESI Awards 2021 Member ![AREIP-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/AREIP-logo.png?width=156&height=80&name=AREIP-logo.png) ![UKFCA WHITE](https://www.shojin.co.uk/hs-fs/hubfs/UKFCA%20WHITE.png?width=95&height=114&name=UKFCA%20WHITE.png) ![logo\_CREFCE\_logo\_white\_clear\_background](https://www.shojin.co.uk/hs-fs/hubfs/logo_CREFCE_logo_white_clear_background.png?width=150&height=54&name=logo_CREFCE_logo_white_clear_background.png) Important note Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. [![shojin-footer-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-footer-logo.png?width=86&height=31&name=shojin-footer-logo.png)](https://www.shojin.co.uk) © 2026 Shojin — All Rights Reserved ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Shojin", "url" : "https://www.shojin.co.uk/insights/author/shojin" }, "dateModified" : "2023-11-10T14:43:13.790Z", "datePublished" : "2022-04-26T08:00:00.000Z", "headline" : "Competition, collaboration and consolidation", "image" : [ "https://www.shojin.co.uk/hubfs/Imported_Blog_Media/961597a2-04ea-47cb-a7a8-cd93b1a46125.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.shojin.co.uk/insights/news/competition-collaboration-and-consolidation", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.shojin.co.uk/hubfs/Signature%20-%20logo.png" }, "name" : "Shojin Property Partners" } } ```