Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Apply online
We review with our
lending partners
We offer a decision in
principle within 3 days
Bridging
Development
Business
75% maximum loan to value
3 to 24-month term
Interest rate from 9% per year
Monthly or retained interest payments
Typical arrangement fee of 1%
Our loans are shared between investors on our platform and lending partners. (More about how we share loans.) We review all loan applications with our lending partners – and we take a pragmatic approach to lending, focusing on three main areas.
You
To make sure the loan is suitable, we make ID and credit checks and look at your borrowing history. We may also ask for your CV and asset and liability statement, depending on the type of loan you’ve requested.
Security
We secure all loans with a first charge, giving us rights over agreed property assets (security) to recover our funds if you default on the loan. We use our own surveyors and lawyers to check the value and validity of the security you offer. You’ll be responsible for related costs, which we’ll let you know about in advance.
Repayment
It’s critical that each loan is repaid within the agreed timeframe. So we’ll ask for details of how you’ll do this and look into whether your proposal is realistic. As your circumstances can change, we also make sure we have an appropriate recovery plan in case of default.
