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How it works

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kiwis

How it works

Earn great returns on secured loans!

Our marketplace provides lenders with access to quality borrowers, regular monthly cash flows, security on every loan, and diversified investments. And there are no membership fees.

Lending is easy. Just click below and follow the process. Once registered as a lender you are free to lend on any of the loans listed on our marketplace.

I want to lend

Fractionalisation

A fractionalised loan is divided into multiple, smaller amounts. This allows multiple lenders to take part in a loan, each with their own fractionalised stake. Fractionalisation also allows lenders to spread their exposure to risk by diversifying across a variety of loan types.

LendMe fractionalises loans into $1,000 amounts which allows lenders to get started with as little as $1,000. Lenders can lend in multiples of $1000 to one or many loans, and have the option, at any time before a loan is fully funded, to lend the full amount of a loan.

At any time lenders can choose to fund the full amount of a loan even if it has already been partially funded. When this happens those lenders who were ‘pipped at the post’ will be released from their commitment to lend to that particular loan.

Transferring money

When a loan is fully funded lenders will be required to transfer the money they have committed within three working days. Lenders are emailed with instructions regarding the transfer and can also find instructions in their accounts.

Receiving payments

Lenders will receive monthly payments of interest and principal (if applicable). Borrowers are required to make their loan repayments by direct debit, which take three working days to clear. So a payment that is made on Monday will appear in a lender’s account on Thursday.

I want to lend