Take the leap and put your money to work

Connect with other lenders and invest your money through our Peer-to-Peer lending platform where all loans are secured against assets.

Your capital is at risk

Start Investing

 

How Investing Works

Register online by following the steps below to open your Connective Lending
account today. Lend directly to borrowers and start earning interest on your investments.

No Financial Service Compensation Scheme Protection.

YOUR CAPITAL IS AT RISK

User Account

User Account

Choose Your level of risk

We understand that not all lenders are the same. Each lender will have a different risk appetite or expected return.  Our Loan-To-Value (LTV) based tranches help you achieve this by:

  • Offering a rate of return reflecting the level of risk.
  • Making it easier to diversify your investment portfolio.
  • Giving you more control over your appetite towards risk.
  • Allowing repayments received to be reinvested or withdrawn.
Find out more

Is It Safe?

We never guarantee your investment; however, securing it against an asset will provide you with some protection. 

No investment is without risk. However, how that risk is managed is important to ensure a successful outcome. That is why we only offer loans secured against personal assets we take possession of or property secured via a first legal charge.

We carry out rigorous checks and due diligence on the borrower and the assets to ensure we have perfect security. In the event a borrower is unable to repay the loan, the asset is arranged to be sold at the earliest opportunity to recover the outstanding capital and interest. 

Please click here to read our Risk Statement

Your capital is at risk.

Types of Secured Loans Offered

Every loan is secured against assets with a maximum loan-to-value (LTV) of 70%. In the event a borrower defaults, the asset will be sold to repay the loan.

Personal Asset Loans

Also known as Pawnbroking. It allows a borrower to obtain a short-term loan using their personal assets such as jewellery, watches, cars, fine arts and more as security. These loans last for a period of 6 months. During this time, we take possession of the asset which is held in a secure vault or facility under our control.

 

To find out more about our lending criteria please click here

Bridging Loans

These loans are eligible to companies or individuals secured via a first legal charge against a commercial or residential property. We use local Royal Institution of Chartered Surveyors (RICS) valuers to determine the value of the property. Due diligence is carried out on the borrower and the exit strategy for the loan.

 

To find out more about our lending criteria please click here

FAQs

As part of being regulated by the Financial Conduct Authority (FCA), we must conduct Know Your Customer (KYC) checks on our lenders to verify your identity and prevent money laundering. Our third-party provider, Equifax, handles our AML checks. These checks are soft and do not affect your credit history or score in any way.
No. Registering as a lender and investing is free.
For initial registration, we start by asking for some personal information, like your full name. We also make you create a password and set a memorable word. If you wish to proceed to full registration to invest, we will need more information such as your address, date of birth, and bank account details.
To create a lender account, you will need to register. You can do so by clicking on the ‘Open Account’ button located on the ‘Invest’ page or click here.
You must be an individual, a UK resident and be over the age of 18 to become a lender on this platform.
The minimum amount you can invest in any one loan is £25.
All loan terms are for a period of 6 months. However, the borrower can extend the loan for a further 6 months by paying the interest due.
All FAQs