Loan exchange

If you are going to get into an investment, it is wise to have a plan to get out. The Ablrate Loan Exchange allows you to buy and sell loans between other registered members of our community.

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What is our Loan Exchange?

Our Loan Exchange is a state-of-the-art technology allowing you to buy and sell loans with other members of our community. We feel it is important for lenders to know that they can get out of their investment if they need to.

Our Loan Exchange makes this option a reality, as long as there are buyers willing to purchase your loans you will be able to exit your investment. The Loan Exchange executes trades of circa. £700,000 per month between lenders. While we are working on bringing more liquidity to the Loan Exchange, please be aware that there is no guarantee that there will be a market for your loan on the Loan Exchange and you may have to keep your loans to the end of the term.

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Buying and selling through the Loan Exchange

You can buy loans on the Loan Exchange to diversify across a number of loans, or to reinvest your interest and capital that is repaid to you each month. The Loan Exchange platform is available on mobile as well as desktop so you can manage your loans on the go.

How it works

Registering for an account is a simple process managed electronically. Once you have registered and passed our appropriateness test you are also given access to our Loan Exchange where you can invest whenever you are ready.

Review loans available on our Loan Exchange system. You can even use our handy filter system to find loans you like

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You can immediately buy loans that are on offer from other lenders or you could create your own bid for a loan at a price you choose.

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Our system generates a cost including capital cost, accrued interest and any transaction fee

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Execute the trade - the system takes care of the rest

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Review loans
Create an offer
Generate a cost
Execute Trade

Frequently asked questions

What is the Ablrate Loan Exchange?

Whenever you make an investment one of the main criteria is access i.e. how do you get your money out and when? Often you are locked into a product for a certain period of time and this would appear to be the case with loans. If you buy into a three year loan, then you are in it for three years right? Not necessarily. Ablrate’s unique Loan Exchange is where our community comes together to trade the loans they own or would like to own. The market runs on a ‘bid and offer’ system much like stock and bond markets where people can offer loans they have for sale at a certain price and people can also make bids to buy loans at a certain price. The process is automated, so if you like the look of a loan, and it is being offered at a price you are comfortable...

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Loan Exchange overview

You can review the short overview video below

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What is a bid and offer price?

The Bid Price and the Offer Price are the prices at which people are willing to transact. Think of a bid as a wanted advert (i.e someone would like to buy your loan) and an offer is a for sale advert (i.e someone is willing to sell their loans) The price is the percentage amount that someone is willing to pay for the remaining capital on a loan. So, if a price on our Loan Exchange is 101.50%, it means that a lending member is willing to pay £101.50 for every £100 of capital that remains to be repaid. On other platforms, this would be called “a 1.5% premium”. Similarly, if a price was 98.00%, it means that they are only willing to pay £98 for every £100 of remaining capital, “a 2% discount”.

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Do loans that have been offered on the Loan Exchange still receive interest?

Yes. You retain ownership until a trade completes on the Loan Exchange and as a result, you will receive scheduled interest payments until ownership transfers. When a loan is purchased from you, you will receive the accrued interest due on that loan for the period you have held it.

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Buy and sell loans loans with our community