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Portfolio Loans

Portfolio Loans

8% - 13% p.a *

7% - 10% p.a *

Single Company Portfolio Loans

Where will my funds be lent?  In a Single Company Portfolio Loan your funds will be loaned to one company that is borrowing money in a series of tranches for a single project.

What is the risk?  The Company to whom you will be lending will produce a Borrowing Proposal detailing the security on offer for the transaction as a whole. Typically Ablrate will, on your behalf, register a charge over property, equipment or other assets. In some cases a debenture will be registered against all current and future assets. In most cases a Personal Guarantee will also be taken from the directors.

Please be aware that this is not a savings products and your capital is at risk if borrowers do not repay.

When will I be paid? Your interest will be paid each month on the same date after which it will be available for you to re-invest or withdraw to your verified bank account.

Can I get my money early from the loan? You can request to withdraw from the loan at any time. If there are lenders looking to get into the loan you will be automatically matched with them on a first come first served basis.

Will my capital be tied up for the full term? The great thing about Single Company Portfolio loans is that they offer a certain amount of flexibility to both Borrower and Lender.

Subject to normal market conditions Lenders will be able to allocated funds to, and withdraw from, the loans within a short space of time.

Borrowers will be able to better time their requirement for funds over the life of a project and repay capital in a more flexible manner (subject to minimum interest periods given to lenders).

Diversified Portfolio Loans

Where will my funds be lent? Our credit team are constantly reviewing loan requests received directly and from our introducers. In some cases we reject loans not because they are not good proposals but because they do not fit our self select model.  This could be because they are too small or the term is shorter than we would like for the self select model.

Portfolio Loans give us the flexibility to make these loans and automatically allocate a portion of that loan to all lenders in the portfolio loan. We do the same great due diligence, the same types of security and the same procedures on these loans as we do any other loan.

What is the risk?  Because the Portfolio loan is automatically allocated to new loans as they are written the risk is reduced over time through automatic diversification.  Ablrate also operate a portion of their fees on a ‘first loss’ basis which adds further protection for your funds. This policy is detailed in the Borrowing Proposal of each Diversified Portfolio Loans.

Please be aware that this is not a savings products and your capital is at risk if borrowers do not repay.

When will I be paid?Your interest will be paid each month on the same date after which it will be available for you to re-invest or withdraw to your verified bank account.

Can I get my money early from the loan? You can request to withdraw from the loan at any time. If there are lenders looking to get into the loan you will be automatically matched with them on a first come first served basis.

Enhanced Access

When allocating funds you will be automatically matched to outgoing lenders. In normal conditions you should be able to allocate immediately and withdraw from the loan when matched with incoming lenders.

Automatic Allocation

If you wish to lend into a Single Company Portfolio Loan, you can make an allocation. When an existing lenders looks to withdraw from the loan or the company releases a new tranche you will be automatically invested.

IFISA Eligible

Opening an IFISA account takes less than 5 minutes. All you need is to open an account and have your National Insurance number handy. You can then open your IFISA and begin lending through Portfolio Loans

*Rates shown are those projected based on loans lenders are currently making and those Ablrate intends to bring to the platform in these types of loans. These returns are not guaranteed and past performance is not guaranteed of future performance.  Rates are projected gross of tax and any defaults.