Corporate lender

Our platform allows companies as well as individuals to lend over the Ablrate platform. Our innovative legal settlement system and Loan Exchange also allows your company to buy and sell from other investors on the platform.

Ablrate is no longer accepting new clients and has initiated a wind down of our loan book.

Limited company lender

Members with all sorts of businesses choose to lend through their limited companies. You can be set up on the platform in minutes but we will need to verify your company information manually. Once that is done you are good to go.

If your company has been set up ‘for the sole purpose of lending’ then you may need to be authorised to do so.

Ablrate is no longer accepting new client and has initiated a wind down of our loan book.

Lending as a business

Limited companies and LLPs are generally allowed to lend if investing money isn’t its primary business activity. P2P lending may, for some businesses, be an effective tool to manage cash.

We would be happy to talk you through the advantages of lending through your limited company. If you need any help then please do get in touch.

Institutional lenders

We work with a panel of institutional lenders on platform as well as off platform. We are more than happy to discuss working with your company or fund and would encourage you to get in touch for a chat.

This will give us an opportunity to understand in more detail what you are looking to achieve and if appropriate, introduce loans that are not made available on the site.

How it works

Register for a Corporate Account

Our customer services team will be in touch to request due diligence information to open an account

Your account is approved and you are able to lend

Register with us
Customer services

Frequently asked questions

What are the risks of lending?

Treating customers fairly is not just a regulatory obligation, it is at the core of our philosophy and practices. Inherent in this is explaining the risks of investing in loans requested by borrowers on our platform. We urge you to read the risk warnings below and consider these risks before making any commitment. Your capital is at risk and any potential interest payments are also at risk should a loan default. RISK FACTORS AN INVESTMENT IN LOANS ON ANY PEER LENDING PLATFORM IS SPECULATIVE AND INVOLVES RISK. EVEN LOANS THAT ARE BACKED BY ASSETS, SUCH AS THOSE ON ABLRATE, HAVE A POTENTIAL FOR DEFAULT WHERE A LENDER COULD LOSE ALL OF THE FUNDS INVESTED. ACCORDINGLY, PROSPECTIVE INVESTORS SHOULD CONSIDER THE FOLLOWING RISK FACTORS. THESE RISK FACTORS MAY NOT BE A COMPLETE LIST OF ALL RISK FACTORS ASSOCIATED WITH A LOAN VIA ABLRATE. Investing in loans involves a high degree of...


What if I have second thoughts about being a member?

If you want to close your account we will be sad to see you go but realise that lending to businesses is not for everyone. If you wish to close your account you will need to sell all your loans on Ablrate first (through the Loan Exchange) and then you can request a withdrawal of funds. Get in touch with us and we will deactivate your account as soon as your funds are received.


Who determines the interest rate?

The interest that a borrower pays (“the price”) is determined by Ablrate and calculated against the risk parameters set out in our Credit Risk Management Policy and procedures. We determine the price of a loan by performing due diligence on the business and referring to our risk policies. There is an element of commerciality in pricing a loan, i.e should we price loans too high we would lose business to those willing to lend at lower rates. However, at Ablrate we believe that lenders need to be compensated fairly and we believe that our process of pricing loans fairly compensates for the risks being taken. If loans fall outside of these parameters we do not take the loan forward. We use credit data from Creditsafe, the basis of the valuation of the asset securing the loan and serviceability factor in order to price the loan. We also have a view...


Secured lending

Each loan on Ablrate is backed by an asset such as property, land, equipment or other company assets. In the event that a loan does not perform as intended we can repossess the asset and sell it to aid the recovery of the capital to lenders.

There is no guarantee that all capital can be recovered, but our job is to make sure that a diverse portfolio of Ablrate loans will produce a positive return to lenders, including the recovery from asset sales.

Self-select loans

When you have registered an account you will see a number of loans that are available on our Primary Market – new loans that have not been filled yet – and loans on our Loan Exchange.

We allow you to be in control of when to buy and when to sell. You choose which loans to invest in, not a faceless algorithm.

Many of our borrowers have repeat loans for other parts of their business. Our largest borrower has borrowed over £12 million and returned £6 million in capital with over £2 million in interest. You can choose to invest in loans from your favorite entrepreneur on Ablrate or diversify across all loans and reduce your overall risk.

Are you an incorporated public, private limited company or LLP?

If so we would love to hear from you. Unfortunately, at this time Ablrate does not offer personal loans.