LendInvest uses cookies to make our site better. By browsing you agree to our policy.

How it works

Our platform is your entry-point to a lucrative asset class

It is important to us that all investors understand how we choose the loans we fund, the potential lifecycle of a loan, and when loans can be repaid.

We manage this complexity for investors on our platform, and this is summarised below.

How we turn a loan into an investment

Loan application reviewed

When a borrower applies for a loan, our experienced underwriting team reviews the application against our strict lending criteria.

Loan funded by LendInvest

Once approved, we fund the loan with our own money so the borrower can start their property project straight away.

Investment opportunity

Details of loans are made available on the secure LendInvest platform which allow investors to earn a return*.

Return for investors

Once you invest in one of our loans, your expected return will be paid directly into your investment account.

* Interest and capital repayments are not guaranteed if the borrower defaults. Your capital is at risk.

Loan statuses explained

We report the status of each of our loans. Below is a summary of the loan statuses you could see on the LendInvest platform.

On schedule

All payments under the loan are being made as expected, including loans that have been extended. If one payment is missed, the loan with still be classified as On Schedule while our Loan Servicing team work with the borrower to bring the payment back up to date.


Two or more interest payments on the loan are overdue. In this example, the borrower was in arrears by two payments, and brought the account up to date in their next payment.

Out of term / in breach

The principal loan amount has not been repaid as expected, or there has been a breach of the loan agreement.


Enforcement action (legal or repossession proceedings) has started to recover the outstanding debt.

Loan term

Repayment periods on our loans can vary. There are only 3 possible outcomes, and we keep investors up to date on these timings.

On time

Loans are repaid on the agreed date.

Term extended

The term length of the loan has been extended.

Repaid early

The loan has been repaid ahead of schedule.

Create an account today and join thousands of investors on our platform

Whilst the loans which you invest in are secured against property, your capital is at risk.