This short guide provides you with an introduction to how you can earn attractive returns of between 5-12% pa* by investing in Peer-to-Peer Loans secured against UK income producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Peer-to-Peer Lending: Examining the Industry and the Borrower ExperienceCorporate Insight
Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction since the credit crunch resulting from the 2008 financial crisis. The purpose of these rapidly-growing websites is to facilitate loans of under $35,000 between borrowers and investors. The result is a transparent loan platform where individual investors can determine a borrower’s credit worthiness and partially or fully fund a loan at an attractive interest rate.
This slide deck offers background on the P2P lending industry and takes a closer look at the borrower experience by profiling two leading firms in the space – Prosper and Lending Club. Five key takeaways and tips for P2P lenders are also highlighted.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
Wharton FinTech Club hosted a seminar on P2P (peer-to-peer) lending in October '14. Take a look at our key insights and analyses on this fast-growing industry!
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
LendingStar pitch deck is about p2p lending online lending marketplace helping small business and entrepreneurs to get financing via internet from private investors for lower price. Investors get higher return from investment in real projects and real people.
SOFIS - Peer to Peer Lending Platform in IndonesiaAndy Wijaya
SOFIS is a leading peer to peer platform in Indonesia for personal and business loans. We connect borrowers and lenders in our secured, innovative and user friendly online platform.
SOFIS adalah platform marketplace untuk peer to peer lending bagi pinjaman usaha dan individu, dimana kami menghubungkan pendana dan peminjam di platform kami yang mudah digunakan, lengkap dan aman.
Connect with us @ http://sofis.id
A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Peer-to-Peer Lending: Examining the Industry and the Borrower ExperienceCorporate Insight
Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction since the credit crunch resulting from the 2008 financial crisis. The purpose of these rapidly-growing websites is to facilitate loans of under $35,000 between borrowers and investors. The result is a transparent loan platform where individual investors can determine a borrower’s credit worthiness and partially or fully fund a loan at an attractive interest rate.
This slide deck offers background on the P2P lending industry and takes a closer look at the borrower experience by profiling two leading firms in the space – Prosper and Lending Club. Five key takeaways and tips for P2P lenders are also highlighted.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
Wharton FinTech Club hosted a seminar on P2P (peer-to-peer) lending in October '14. Take a look at our key insights and analyses on this fast-growing industry!
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
Peer to peer lending will work the whys and howsdhirencash
The presentation gives 3 strong justifications for peer to peer lending to succeed in India. It states that this concept will really help in the growth of the economy while providing an alternate source of credit
LendingStar pitch deck is about p2p lending online lending marketplace helping small business and entrepreneurs to get financing via internet from private investors for lower price. Investors get higher return from investment in real projects and real people.
SOFIS - Peer to Peer Lending Platform in IndonesiaAndy Wijaya
SOFIS is a leading peer to peer platform in Indonesia for personal and business loans. We connect borrowers and lenders in our secured, innovative and user friendly online platform.
SOFIS adalah platform marketplace untuk peer to peer lending bagi pinjaman usaha dan individu, dimana kami menghubungkan pendana dan peminjam di platform kami yang mudah digunakan, lengkap dan aman.
Connect with us @ http://sofis.id
To help investors identify unsecured loans likely to be fully paid, a machine learning algorithm was developed to forecast probability of full payment and probability of default.
IntraLending is a solution to small financial needs of the employees of large companies. It works similar to how companies' internal classifieds work, the givers meet takers, but its a bit different. Our software automatically assesses credit worthiness and approves applications, which then be funded by colleagues. It has many features to make sure this happens seamlessly, assuring win-win situation for everyone.
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Why Commercial Real Estate Debt is the Perfect Partner for Peer-to-Peer (P2P) Lending: P2P Lending has undoubtedly revolutionised the traditional banking and lending industries. The introduction of new technology and the ability to draw and process information quickly has left the traditional finance sector napping.
At Proplend, we continuously apply the latest technologies adopting them alongside traditional lending models to ensure our offering is as efficient, transparent and inclusive as possible.
Learn why Commercial Real Estate Debt is the perfect partner for Peer-to-Peer Lending. Placing the words “commercial property” in front of p2p lending is not something you should fret about. In fact, greater capital protection from the property and longer tenancies make Commercial Property P2P Lending one of the most secure forms of p2p lending, plus it offers favourable returns of 5-12% pa (after fees, but before bad debts and taxes).
The Essex, Bexleyheath & Erith Mixed Use Loan was drawn down by the borrower in May 2015. The £978,000 loan represented a 75% Loan-to-Value (LTV) and was secured with a first legal charge over the properties.
The Loan remains in Active Good Standing, with no late or missed payments and 12 months left on the loan term.
Download the Case Study to learn more about this Loan Investment and to review the performance to date.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Transkredit Finance Company Products Presentation (1).pptx
Proplend Peer-to-Peer Lending Guide 2016
1. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com
Peer-to-Peer Lending Guide
Learn how to invest in secured Peer-to-Peer Loans
This short guide provides you with an
introduction to how you can earn
attractive returns of between 5-12%
pa* by investing in Peer-to-Peer
Loans secured against UK income
producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
Retail Office Industrial
Proplend 2016
2. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com
P2P Lending Core Principals
1. Circumvents the traditional
financial institutions
2. Multiple investors lending to
a single borrower
3. Direct Loan Agreements
between Investor and
Borrower
1
Peer to Peer Lending
Peer-to-Peer Lending (P2P Lending), also known as Loan or Debt Crowdfunding, is the process
of connecting investors directly to borrowers, circumventing traditional banks and financial
institutions. This new asset class offers diversification and attractive yields to investors, especially
in this current long-term low interest rate environment.
P2P Lending History & Figures
1. Started 10 years ago with Zopa, consumer loans
2. April 2014, P2P came under regulatory legislation of Financial Conduct Authority (FCA)
3. Over £5bn lent to date (December 2015)*
* Liberum AltFi Volume Index
3. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 2
P2P Commercial Property Lending
PROPLEND IS A PEER-TO-PEER LENDING PLATFORM THAT CONNECTS INVESTORS DIRECTLY TO BORROWERS WITH
LOANS SECURED AGAINST INCOME PRODUCING UK COMMERCIAL PROPERTY
Commercial Property Borrowers are typically property investors who already own a commercial property, and need to
refinance an existing loan that has come to the end of its term.
There is approximately £200 billion of outstanding Commercial Real Estate debt in the UK. 25% of which is in the sub £5m sector
and requires refinancing within the next 2-5 years. Lending for commercial property, in the UK, has traditionally been dominated
by banks, which accounted for c.90% of the market. At the height of the market, in the run up to 2007, there were 55-60 banks,
building societies and financial institutions actively servicing this market. Today there are only around 10 - 12. There is a clear
dislocation in the supply and demand of funding available and required.
The effect of this funding shortfall is an increase in the premiums that commercial property owners are prepared to pay for
commercial property loans, which leads to an opportunity for p2p lending investors.
By effectively crowdfunding the commercial property loan requirement, borrowers gain access to funding otherwise not
currently available, and investors gain access to low risk, fixed income producing opportunities.
4. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 3
Proplend
SECURED PEER-TO-PEER COMMERCIAL PROPERTY LENDING
Proplend offers investors the ability to earn reliable and attractive fixed income returns of between 5-12% pa*
by lending directly to the owners of income producing commercial property with every loan being supported
by a 1st legal charge over the property.
*After fees, before bad debts and taxes
LOAN CAPITAL PROTECTION AND SECURITY
Each loan is secured by a 1st legal charge against
the Commercial Property offered by the Borrower
as collateral which is registered with the Land
Registry. If appropriate, additional security might
be taken in the form of personal guarantees and
debentures.
A 1st legal charge is the most traditional form of
loan security.
A clear legal framework in the UK means that
commercial property debt offers a high recovery
rate, if the Borrower fails to repay the loan; the
Property can be sold and its proceeds used to pay
back Lenders.
5. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 4
The Proplend Loan Tranche
*Before fees, bad debts and taxes
Proplend understands that not every investor has the same return requirement or appetite for risk. In
recognition of this, Proplend created the Proplend Loan Tranche, which splits the whole loan into 3 parts or
‘Loan to Value (LTV) based tranches’, allowing investors to choose which tranche best suits their risk profile.
• The tranches are split based on
the LTV, the amount (%) the
borrower requires vs. the value of
the property.
• Investors can choose which
tranche, or a combination of
tranches to invest in, and how
much to invest
• The higher the LTV the greater the
risk, but also the greater the
return.
• Tranche A offers 200% capital
protection, meaning the property
would have to fall in value by
over 50% before the investment is
at risk. Tranche B offers 154% and
Tranche C 133%.
• In the example shown, the
borrower is paying a blended rate
of 6.5% pa (average of the three
tranches) and the investors are
offered fixed income returns of
5.5%, 7,5% and 10% pa*
6. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 5
How to Invest
7. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 6
Risks
How Proplend Mitigates Risk
Fall in property income
• Loan amounts and terms will be determined by the quality of the tenants and occupancy terms, with resulting income protection
features such as lower initial loan amounts and interest cover covenants.
• Proplend retains 6 months worth of interest to cover vacancies or borrower default.
Fall in property value
• In a 75% LTV loan, investors in Tranche C have a minimum cushion of a 25% fall in property value. Tranches A and B offer a greater
cushion.
• Post crisis drops in property values of 30-40%, without a full recovery, make a further significant drop less likely.
• Significant drops in value increase the percentage of income relative to value, this then provides attractive yield returns for distressed
asset managers.
Lack of suitable investment opportunities
• Given the size of the outstanding funding gap, especially in the sub £5m loan sector and the lack of market participants, investors
should be able to benefit from current market conditions.
Illiquidity
• Investors should expect that any loan they enter into will remain outstanding for the term of that loan.
• Investors are being paid a illiquidity premium.
• The Proplend Loan Exchange offers a secondary market for investors who wish to sell a loan part prior to the end of the loan term. It
cannot, however, guarantee a buyer for that loan part will be found or the price that the loan part may sell for.
Prepayment
• Loan terms will include prepayment protection in the form of penalties, these will be agreed on a loan by loan basis and be
transparent to investors.
Loan default
• In the case of a Loan default, Proplend Security Limited, who enters into the Security Documentation with the Borrower, will commence
recovery of the debt due under that Security package.
8. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 7
Statistics
Proplend Timeline
Jan 2014: Concept born & completed first loans pre-platform
Apr 2014: GLI Finance (Institutional investor) equity investment
Oct 2014: Platform goes live
Apr 2015: Secondary platform goes live
Tranche A
(0-50% LTV)
Tranche B
(51-65% LTV)
Tranche C
(66-75% LTV)
Whole
Loan
Gross Investors Returns pa
* After fees, but before bad debt and taxes
Loan reviewed £110,000,000
Property Funded £11,856,800
Loans funded £7,620,500
Deal Pipeline £8,600,000
Average LTV 62.24%
Average ICR 1.65x
Average Loan £846,722
StaKsKcs
Late Payments NIL
Loan Defaults NIL
Investor Losses NIL
Loan Book Status
Gross
returns
6.98% 8.30% 10.44% 7.39%
Net
returns*
6.28% 7.47% 9.39% 6.65%
Statistics and Loan book as of December 4th, 2015
9. For more information about lending, please call +44 (0)203 397 8290 or email us at admin@proplend.com 8
Properties Funded