Earn up to 16% pa
Secured investments
Invest from only £25
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Investing with us

Our aim is to allow investors the opportunity to participate in the above average returns associated with alternative finance and sub-prime lending. We say "sub-prime" because many of our borrowers come to us when they can't get finance from elsewhere: they may have a bad credit score, or an outstanding county court judgement, or previously been declared bankrupt. So long as the collateral on which the loan is secured is sufficient to cover the loan, and there is a convincing reason why the borrower is in the position they are, we will offer the loan to our investors.

How it works

All loans are posted on our platform for funding with details of the security. Interest rates vary, depending on the risk of each loan. Most offer 12-13% per annum. However, those with a low risk may pay as little as 10% whereas we may go up to 15% for riskier or more complex loans. Bonus rates are often available for larger single investments in a loan (usually in excess of £10,000).

The loan period is always 6 months. However, the borrower may repay early - in which case investors are paid up to the date of repayment. Once the loan is repaid, interest and capital are returned to the investor’s account, and can then be withdrawn or reinvested. If the borrower decides to renew by paying interest, investors can choose to rollover their investment into the renewal.

Is it safe?

No investment is without risk. However, FundingSecure manages this by restricting the loan to value (LTV) to 70%. We do not use the borrowers' credit scores as part of our lending criteria, as we rely on the underlying asset as security. We do, however, perform background checks on our borrowers and rigorous due diligence on ownership and title. In the event of a default, for pawn loans we sell the asset at auction, and for bridging loans we appoint a receiver. Interest continues to accrue until the asset is sold.

Despite this, investors should not take past performance as a guide for future performance. Investors should always review each loan carefully and decide on whether the risk vs reward proposition is acceptable to them.

Our current investment opportunities

Llandudno Hotel - Renewal and Consolidation

Loan: £1,250,000.00
Rate: 13.00%
LTV: 62.50%

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Property in Greenwich - Renewal

Loan: £730,000.00
Rate: 13.00%
LTV: 58.40%

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Development Site, Wirral - 3rd tranche

Loan: £80,000.00
Rate: 13.00%
LTV: 71.00%

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Property Loan - Liverpool

Loan: £540,000.00
Rate: 13.00%
LTV: 63.53%

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Herne Bay Property Supplemental Loan

Loan: £150,000.00
Rate: 13.00%
LTV: 69.10%

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Property in Great Harwood - Renewal

Loan: £140,000.00
Rate: 13.00%
LTV: 70.00%

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Property Loan - Birmingham

Loan: £54,000.00
Rate: 13.00%
LTV: 65.06%

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Other things you should know

Secondary market

If you want to sell off your investment before the end of the loan term, we have a secondary market within the investors' section where our members can buy and sell investments.

Read more

Refer a friend

Once you have registered and are investing, we have bonuses available for referring other investors to the site.

Register now

ISA and pension investments

We are in the process of getting authorisation and developing tools so you can use your own pensions or ISAs to invest in out loans - earning you even more! Our registered users will be the first to know when ISAs are available.

Register now

Loan statistics

Total new loans in December

£7,142,550

Total amount Lent to Date

£87,462,188

Capital lost though defaults*

£15,612 (0.04%)

Click here, to view more loan statistics.

Frequently asked questions

What is Peer to Peer Lending?

Peer-to-Peer lending (P2P) is a concept which allows investors to lend directly to borrowers removing the banks and other lenders, to reduce cost of borrowing. FundingSecure is the only P2P platform that specialises in loans secured on the personal assets of the borrower.

The minimum investment in a loan is £25. Generally we restrict the amount an investor can invest in a loan so as to ensure the loan has been funded by a pool of people and not just one or two people. If the loan is not attracting sufficient funds, we will lift that restriction. There is no maximum on the total amount invested on the platform.

The investors interest rate is set by the borrower. However, for our loans to be filled, we recommend an interest rate of 12-13%. It's possible that the borrower will choose to raise the interest rate - if, for example, the loan is insufficiently funded. In this case, the higher interest rate applies to all who have invested in the loan. A borrower cannot reduce the interest rate.

Loans are normally activated within 2 days of appearing on our website. Large loans (in excess of £100,000) can take longer.

All of our loans are for 6 months with interest rolled up until the end of the term. Your investments will show the accrued interest during the term of the loan. Once the loan has completed (repaid or renewed) the accrued interest will be credited to your account. If the loan is defaulted you will receive funds once the asset has been disposed of.

We pre-announce all loans by email. This gives you time to make a transfer to your account before the loan is listed. Transfers are credited the same day and always before a loan is posted.

Loans are set for a term of 6 months but can be repaid at any time. A minimum interest of 30 days is charged on each loan. Loans can be renewed on payment of accumulated interest. Investors who have invested in a loan that is being renewed can opt to re-invest in a renewed loan. Interest is collected from the borrower and paid to investors at the end of the loan term.

FundingSecure earns revenue from the monthly administration fee it applies to borrowers' loans. We do not take commission from the investors' interest.

When you transfer your savings to us, we hold your funds in a client account at Barclays Bank. The account is separated from the operational bank account of FundingSecure and is not used to finance our business. Un-invested money held in your account can be withdrawn instantly. Once a loan that you have invested in is activated, then the funds are removed from the client account and sent to the borrower. The borrower repays the loan with interest into the same account. Interest is not paid to you on uninvested funds held in your account.

In the event of non-repayment (default) by the borrower, FundingSecure will auction the asset at the earliest opportunity. Proceeds from the sale will be used to settle investors' capital, investors' interest and then FundingSecure's fees (in that order). Any surplus is returned to the borrower. Interest and fees continue to accrue up until the asset is sold. In the event that the proceeds from the sale of the asset are insufficient to repay capital, then your capital will be lost.

FundingSecure is authorised and regulated by the FCA. Like most firms we currently have interim permission from the FCA. We previously held a Consumer Credit Licence issued by the Office of Fair Trading.

Register online

Registering online is quick and easy. To access our members' section, you don't need to enter any bank details or deposit any money.

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Contact us

0800 690 6568 / 0118 324 3190 9am - 5pm

E-mail: customerservices@fundingsecure.com

Address: FundingSecure, 52A London End, Old Beaconsfield, Buckinghamshire, HP9 2JH


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Company Number: 8120200 / Authorised and Regulated by the Financial Conduct Authority