Invest in Property-Backed Commercial Loans

Earn 5-12% pa* Peer to Peer Lending via our Classic and IFISA accounts

*Annualised percentage return after fees, but before bad debt and taxes for active loans. IFISA returns are tax free

Proplend connects investors directly to borrowers with loan investments backed by income producing commercial property in England and Wales

Commercial property debt is a long established asset class that offers investors a reliable and attractive source of income with limited capital risk. P2P loan investments are riskier than cash but less risky than equity investments. Invest alongside other Proplend Investors or on a whole loan basis. Benefits of our platform include:

  • Fixed monthly income - interest paid monthly
  • Security - all loans are backed by a 1st legal charge over an income producing UK commercial property
  • Choice of loan to value 'Tranches' - select the risk-reward levels and loans you're comfortable with
  • Fully automated platform - invest direct through your Proplend online Lender Dashboard
  • Tax free returns - when you invest using your Innovative Finance ISA and SIPP or SSAS pension


With great security and high rates - Proplend investors ('Lenders') earn risk adjusted returns of 5-12% p.a.* lending to creditworthy UK corporate borrowers. Register as a platform Lender and start earning today.

Registering as a Lender is Easy

All visitors can browse current Loan Investments - interest rates, terms and securing properties.

Registering as a Proplend 'Lender' gives you full access to our loan and borrower 'due diligence' information.

View Loan Investment Opportunities Instantly

The Proplend platform is fully transparent and every loan is backed by a first legal charge over an income producing commercial property in England or Wales.

Investors can perform their own due diligence by logging in and accessing the draft loan contract, legal report, valuation report and loan request document.

View Available 'Active' Loans on the PLE or New Loans 'In Funding'

Proplend Loan Exchange (PLE):

A secondary marketplace that offers investors liquidity & immediate access to fixed monthly income.

All loans listed on the PLE are fully funded and have already been drawn down by the borrower.

Investors select loan parts to buy at face value (typically £1k) from the available loans listed and immediately start earning interest.

In Funding:

Newly approved loan requests, yet to fully-fund.

All loans listed In Funding are available to invest in. They earn interest once the loan is fully funded and drawn down by the borrower (approx. 5-7 days).

Investors select how many loan parts and Tranche(s) they want to invest in. The In Funding stage typically offers Lenders the most investment choice.

Select Loan Investments by Property Asset Class ...

  • Office
  • Industrial
  • Retail
  • Leisure
  • Residential Blocks
  • Loan Term

    6 to 60 months
    Resale via PLE

  • Geographic Location

    & Wales

  • Tranche / LTV

    C – 66-75%
    B – 51-65%
    A – 0-50%

  • Interest Rate Return

    5-12% p.a.
    Before fees, bad debt & taxes. IFISA tax free

Fund Your Proplend A/C

Electronically transfer funds to our client money account for your Proplend Classic or IFISA account. We will credit your funds and notify you as soon as they are ready to invest. Loan investment from £1k

Invest & Earn 5-12% pa*

Investors receive interest payments direct to their Lender account and can start building a diversified portfolio by investing in multiple loans, terms, different property types and LTV-based ‘Tranches’

Withdraw or Reinvest Capital and Interest

The borrower repays the principal loan amount at the end of the fixed term. Investors can withdraw or reinvest the capital. Buy and sell during the loan term through the PLE

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