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Proplend is an online marketplace for risk-adjusted, secured lending at fixed interest rates ranging from 5% to 12% per annum. All loans are supported by a 1st legal charge on commercial properties in the UK.

Loans are split into three tranches; Tranche A pays an average of 7.40% on properties with 0 - 50% LTV. Tranche B pays an average of 9.68% on properties with 51 - 65% LTV. Tranche C pays an average of 11.86% on properties with 66 - 75% LTV. All interest rates are paid before taxes and bad debt, but after fees over a 12-month term.

  • Earn 5-12% per annum
  • Minimum invest is £1,000
  • No maximum investment limit
  • Choose between manual and auto-invest
  • A 0.5% fee applies when selling on the secondary market
  • SIPP / SSAS available

* correct as of 17/07/2019


Classic Account

Min investment
Estimated return
5 - 12%

Earn interest from 5% to 12% per annum after fees and before bad debts and taxes. Invest from £1,000 with no maximum limit. Terms vary based on the loan, typically 12 to 60 months. Customers can choose which loans they want to invest in, or let Proplend automatically invest their funds in the various tranches available.

Lenders will receive monthly interest payments from the borrower before Proplend deduct their 10% fee. There is also a 0.5% fee when selling a loan on the secondary market. This product can be upgraded to an IFISA account.

There have been no investor losses or loan defaults since this product launched.


Min investment
Estimated return

Receive the same interest rates of 5 - 12% as a regular lender, but tax-free. Invest up to £20,000 and transfer-in from existing ISAs.

This ISA is flexible, so funds can be deposited and withdrawn whilst retaining the ISA status.

Choose between lending funds manually, or allowing Proplend to automatically disperse funds.

SSAS and SIPP Pension Investments

Min investment
Estimated return
5 - 12%

By using SSAS or SIPP pension savings, lenders can earn 5 -12% tax-free interest per annum on their investments. Accounts are set-up by the customer's pension provider to be used on Propend and they are responsible for the administration of the account.

SIPP holders are able to choose which investments they would like to partake in based on the offers from their SIPP provider. SSAS holders have a much wider range of approved investment choices.

Participating pension providers include Westerby Trustee Services Limited, Morgan Lloyd and Whitehall Group.

Pension investment restriction apply. Pensions cannot be associated with connected parties to make a loan, or associated with residential properties.


The statistics are generated from data we have collected. We can not guarantee that there are no errors, omissions or inaccuracies.

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