Become a private lender

Private lenders have been at the core of the Ablrate community since 2014. Lending on the platform is based on ‘self-select’ lending, this means that you evaluate the information provided by Ablrate and the Borrower and make your decision whether to invest or not. You are in charge of who you lend to, how much and for how long.

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

Easy account opening

We have automated gadgetry that checks your data against a number of databases, allowing you to register quickly. We will fulfill our regulatory obligations to ‘Know Your Client’ without it affecting your credit score.

By making sure all lenders are verified we protect the Ablrate lending community as whole.

When lending to businesses your capital is at risk, please familiarize yourself with the risks before lending. When invested in a loans your funds are NOT covered by the Financial Services Compensation Scheme. Please see our Frequently Asked Questions section for further information about P2P lending and the risks involved.

Customer services

Our Customer Services Team at Ablrate HQ will be your point of call if you have any questions or issues on the platform.

We aim to provide an unsurpassed service so please get in touch if you need any assistance.

Tax-free lending

Once you are in, you will be able to open an Innovative Finance ISA with a click of a few buttons, should you wish. You can also transfer in existing ISA monies. We attracted over £1m in the first week.

All the income and any capital gains you gain within the IFISA account will be free of tax.

Your capital is at risk when investing in loans to businesses. The tax free status of the IFISA is dependent on individual circumstances and maybe subject to change in the future.

Asset backed

Our borrowers provide us with assets to secure the loans that Ablrate lenders’ make. These can be everything from machinery, waste, energy technology units and property to yachts, equipment and even aircraft.

As well as the assets mentioned, personal/corporate guarantees and debentures are also requested to form the security suite in a transaction. We aim to be able to liquidate this security suite if a borrower fails to pay the money that is owed. Your capital is still at risk however, as we may not be able to sell the asset for the amount of the outstanding loan in a timely manner, so please do check the information we provide and make a decision based on the level of risk you are willing to take.

Due diligence

To explain our due diligence, each borrower produces a ‘Borrowing Proposal’ which lenders are able to download. This document lays out the project, the security, the people involved, how you will be paid and how the loan will be paid back.

It also explains the risks and disclosures specific to that loan allowing you, the lender, to make informed choices about who to lend to and how much to lend.–-1@2x.png

Diverse assets

We all know that diversification is a key part of balancing our portfolio, so diversifying by asset class should also be considered.

While we do property transactions we do approve borrowing requests against a variety of assets and business types, to make sure that we are not concentrated in one asset class.

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. 

Even with an asset in place there is no guarantee that the asset can be sold at a price that will cover all of the outstanding capital and interest of a loan, or that the asset can be sold in a timely manner, so there is still a risk of loss. 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.

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...


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...


Can you explain the fees and how these are treated in a default?

It is important for us to be clear about the charges that are paid over the Ablrate platform and of the impact that those fees and charges may have on the amount recovered by investors from borrowers in default. When crafting our policy we have a regulatory obligation requiring us to pay due regard to the interests of our customers and treat them fairly. We also have to pay due regard to the information needs of our clients, and communicate information to them in a way which is clear, fair and not misleading These are the charges that can be made over the Ablrate platform to Lenders and Borrowers:
Lenders Fees
Account Fees - There are no fees associated with opening or maintaining an account with Ablrate. Loan Exchange Fees - There is a fee of 0.25% of the value of the trade for a seller and a buyer. At...


Could the return on my investment be different to that advertised, over time?

The rate advertised on loans that you invest in will be the rate you receive if the loan goes the full term and is fully paid.  However, this return could be reduced if the borrower is unable to make payments and you may even make a loss if the borrower does not pay in full. There are no guarantees on Ablrate and your capital is at risk. The Ablrate Loan Exchange allows you to buy and sell loans if there are willing buyers and sellers (and this is not guaranteed), but if you sell your loans at a discount your return will be lowered by the amount of that discount.


Does Ablrate manage the process of lending?

No. All lending on Ablrate is what we call 'self-select'. This means that you pick and choose which loans you would like to invest in when you have read the information provided by the borrower and by us, such a credit data available on each company.


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.

Gain interest on your investment up to 15%*