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Become a Private Lender

Easy Account Opening

We have automated gadgetry that checks your data against a number of databases, allowing you to register quickly and us to fulfill our regulatory obligations to ‘Know Your Client’ and it doesn’t affect your credit score.

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

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 one million in the first week)

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

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 do get in touch if you need any assistance.

Asset Backed

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

The assets mentioned, personal/corporate guarantees and debentures form the security in transactions which we aim to be able to liquidate if a borrower fails to pay the money that is owed.

Due Diligence

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

The document 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.

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.