proplend - peer to peer lending fact sheet
TRANSCRIPT
UK MARKET SIZE
Consumer – personal borrowing, usually unsecured personal loans
Business – loans to SMEs, can be secured against share capital, property, and director guarantees
Property – mortgages and short term loans to property owners, secured with a 1st legal charge against the property
The practice of unrelated individuals or companies lending money directly to one another, circumventing the traditional banking model.
MARKET POTENTIAL
Global $150bn - $490bn
globally by 2020 (Morgan Stanley)
TYPES OF P2P PLATFORMS
SECURED PEER-TO-PEER COMMERCIAL PROPERTY LENDINGProplend connects investors directly to borrowers with loans secured against
income producing Commercial Property in England and Wales.
Fixed Income Returns – interest paid monthly
Secured – all loans are supported by a 1st legal
charge over the commercial property
Control & Transparency – invest in loans based on your
risk & return appetite
Tax Free Income – invest using your SIPP or SSAS
Peer-to-Peer Lending
20152014
£1.2bn £1.98B YTD
(Source: Altfi.com – 12/10/2015)
Location Rate Loan Amount
Tranche Term AssetClass
1.Face to face interview at bank
2.Numerous levels
of approval
3.‘Tick Box’ criteria – if your
loan doesn’t ‘fit’ it does not get approved
4.Time consuming, lengthy
transactions
LENGTHY | ARCHAIC | RESTRICTED | UNFAVOURABLE
1.Online application
2.Quick and responsive review process, immediate access to
decision makers
3.Bespoke, common sense
lending – every deal reviewed on its own merits
4.4-6 weeks from inquiry to
drawdown
ONLINE | SIMPLE | TRANSPARENT | SECURE
How to Invest?
1.Register as
a Lender
3.Fund
Account
5. Loan Re-Paid:
Withdraw orRe-Invest
4.Invest
and Earn 5-12% pa*
2.View Loan
Investments
Invest & Earn 5-12% pa*
*After fees, but before bad debts and taxes
Build a diversified Peer-to-Peer loan portfolio
COMMERCIAL PROPERTY INVESTMENT LOANSProplend specialises in meeting the loan requirements of the massively
under-banked sub £5m commercial property loan market.
Traditional Model vs. Proplend Model Borrowers
Peer-to-Peer Lending
Build a diversified portfolio by investing in multiple Loans across different Tranche levels, Property types and Loan terms. Select from loans that are In Funding and on the
Proplend Loan Exchange (PLE). Invest in a whole loans or part loans alongside other lenders.
Property Types
Up to £5m
Office Industrial Retail Leisure ResidentialBlocks
Up to 5 years
Up to 75%
Payable monthly
Loan Amount
Loan Terms
LTV
Interest Only
www.proplend.com | +44 (0) 203 397 8290 | @proplend | [email protected] Proplend Ltd registered office is 145-157 St John St, London, EC1V 4PW (Company Number: 08315922). Proplend Ltd is authorised and regulated
by the Financial Conduct Authority, and entered on the Financial Services Register under firm registration number 662661. Proplend Ltd is not covered by the Financial Services Compensation Scheme. Your capital is at risk and interest payments are not guaranteed if the borrower defaults.