Earn up to 13% pa*
Investments secured on
assets or property
Invest from only £25
IFISA available
30-Day access account
available

Investing with us

FundingSecure is a Peer to Peer lending platform managed by a team of highly experienced Business Professionals with extensive knowledge of Finance and Alternative Investments especially Property Development. Please note, your capital is at risk.

We connect Investors (Lenders) who are looking for higher returns in this low interest environment and Borrowers with assets who face bank’s lending restrictions with slow decision processes.

We specialise in providing asset backed finance through our Peer to Peer lending platform.

FundingSecure allows Investors (Lenders) to pool together their funds in assets and projects such as property development or property purchase.

We provide a quick, simple and secure solution which can provide up to 16% pa gross return before tax, with all investments fully assessed by our experienced team before being made available for investment.

Our Loan to Value (the amount loaned versus the value of the property) will never exceed 75% therefore giving the Investor a 25% cushion in the event of a downturn in the market. All valuations are assessed by our experienced team and an Independent Chartered Surveyor.

The investments (property loans or pledged asset pawn loans) that you make through our platform are not protected by the FSCS.

* Historic interest returns are not an indicator of future performance.

How it works

Step 1

register

Register as a client

Step 2

fund

Fund your account

Step 3

search

Search and select a Property Development or Asset

Step 4

invest

Decide on the amount to invest

Step 5

documentation

Investment documentation is issued

Step 6

monitor

Monitor your Investment

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 16% 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 Once the loan is repaid, interest and capital are returned to the investor’s account, and can then be withdrawn or reinvested.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 typically 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 these measures, your capital does remain at risk. Also please note that your investment is not protected by the Financial Services Compensation Scheme. Investors should always review each loan carefully and decide on whether the risk vs reward proposition is acceptable to them.

30-day access account now available - FS30

Sign in and get access to our new 30 day access account and receive monthly interest payments.

Our current investment opportunities

Petersfield Avenue

Loan: £135,000.00
Rate: 12.00%
LTV: 51.00%

register for more information

Residential conversion at Chelms Combe Quarry - Tranche 9

Loan: £221,700.00
Rate: 13.00%
LTV: 46.67%

register for more information

Legacurry Road, Omagh - Development Loan - Tranche 3

Loan: £127,500.00
Rate: 12.00%
LTV: 65.00%

register for more information

Chapel Farm Development - Tranche 6

Loan: £54,000.00
Rate: 12.00%
LTV: 59.41%

register for more information

Collingbourne Avenue, Birmingham - Tranche 7

Loan: £60,000.00
Rate: 12.00%
LTV: 65.30%

register for more information

Chalfont St Peter

Loan: £200,000.00
Rate: 8.00%
LTV: 50.00%

register for more information

Please note: Your capital is at risk if a loan defaults.

Extra Opportunities

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

The FundingSecure IFISA

The FundingSecure Innovative Finance ISA is now available and gives you tax-free interest.

More information

Loan statistics

Total new loans in April

£2,226,600

Total amount Lent to Date

£305,796,810

Capital lost through defaults*

£1,503,336 (0.69%)

Click here, to view more loan statistics.

The FundingSecure IFISA is now available

The FundingSecure IFISA is open to all of our members that are uk tax payers.

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.

All small items such as jewellery and watches are stored in our own vault at a secure location, unless otherwise stated. Vehicles and art are stored at specialist 3rd party storage units.

FundingSecure is fully authorised and regulated by the FCA. Our reference number is 698305.

If FundingSecure enters into financial difficulties, it will initiate a wind-down plan whereby no new loans or investors would be taken on and the loan book would be run-down. We have worked with the FCA to develop this plan, as well as the financial indicators that would cause us to initiate the plan. This is all designed to ensure a smooth and timely wind-down of the business if required.

In the unlikely event that FundingSecure enters administration as a result of extreme financial circumstances, capital and accrued interest on all loans would be “ring-fenced” and, therefore, cannot be used by the administrators to settle any debts due by FundingSecure. The administrators would have to rely on the administration fees coming at the end of the loan period to settle all debts, continuing to repay capital and interest to investors in accordance with the terms and conditions.

Unfortunately your investment is not covered by the Financial Services Compensation Scheme.

Any interest and Capital Gains you receive on your investments are not taxed. It is your responsibility to declare any earnings made from interest and Capital Gains to HMRC on a self-assessment tax return. When you are logged in, this can be found by clicking on “Tax Statement” and then selecting the relevant tax year. You can download the selected tax statement from here.

If you have an IFISA account, then any interest earned is tax-free and will not show on your tax statement on your main account. For more information regarding IFISAs, please click here.

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.

Register now

Contact Us

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

E-mail: customerservices@fundingsecure.com

Address: FundingSecure, Unit 8 Stokenchurch Business Park, Ibstone Road, Stokenchurch, Buckinghamshire, HP14 3FE


follow us on facebook   follow us on twitter   joing us on google plus

Company Number: 8120200 / Authorised and Regulated by the Financial Conduct Authority
(Reference number 698305)

website designed by The Wonky Agency
© Copyright 2019 FundingSecure

Please note: No investment is without risk. FundingSecure manages the risk by ensuring all assets are professionally valued and restricting the amount lent to a typical maximum of 70% of the value (LTV). Despite these measures, your capital remains at risk.