FundingSecure are proud to sponsor Wycombe Wanderers FC

Wycombe Wanderers have really put the local area on the map with their recent successes and we’re thrilled to partner with them by sponsoring the Inside Matchday video series.

Inside Matchday was introduced to Wanderers’ social media platforms during the early months of last season, capturing highlights of games from pitchside courtesy of camera operator Dan Brown.

Michael Davies, general manager of Wycombe Wanderers, comments: "Inside Matchday became a must-watch video feature amongst our fans last season thanks to the hard work from our in-house media team and we’re delighted to be able to extend the series into 2018/19 with the support of FundingSecure. The ongoing support of local businesses is crucial to our progress as a club and we hope to have a long and fruitful relationship with FundingSecure's team going forward."

Earn up to 16% pa
Secured investments
Invest from only £25
IFISA available

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 Once the loan is repaid, interest and capital are returned to the investor’s account, and can then be withdrawn or reinvested.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 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.

The FundingSecure IFISA is now available

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

Our current investment opportunities

None currently available

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

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.

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Contact Us

0118 324 3190 9am - 5pm


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

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

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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.