I've used some of the crowdfunding sites, linkedfinance, mintos etc.
With LF you can get 7% p.a. lending to an A+ rated company for 3 years, 11% for a B rated company for 5 years etc.
They do the ratings themselves, no idea how reliable they are.
I set up autobids and kept each individual loan amount small, to limit exposure to any single company, e.g. with 10k lend 100 euro to 100 companies, one company defaulting will cost you max 1% of yield (probably much less as they seem quite good at recovering amounts and the defaults don't happen immediately).
The down side with the highly diversified portfolio approach is that it takes months to get all your money invested, so you fade in and out rather than having 100% invested for 5 years. You could look at 200 a pop to 50 companies and probably still well beat the bond yields you are listing even with a few defaults.
There may be other or better options out there, the Mintos one has been running for years but the loan originators themselves on there can be dodgy/risky and it's more of a marketplace for loans, so if you are not an expert, there are others in there who are, so you are probably often buying stuff they don't want. The advantage is you can sell your loans at any time in that market and get out (assuming someone wants to buy them). I decided around Covid that it was too risky for me but I see it is still up and running and there is a longer history available for the originators now. It was easy to liquidate when I got out after Covid started and I got a decent return overall. I'd do a lot of research before getting into those loan markets again, it wouldn't be worth the effort unless you are investing a lot.