What is our BuyBack Guarantee

Our BuyBack Guarantee is a promise from one lender to another, to buy back the microloan if the loan defaults

The purchaser pays a premium for the benefit of reassurance. If the microloan falls into arrears by more than 60 days, the vendor will buy it back. This gives the purchasing lender peace of mind in exchange for a reduced return and gives the vendor a quick profit for keeping the potential future liability. Vendors may use the profit and returned capital to invest in new lending opportunities, compounding their returns.

Peace of Mind



What are the benefits?

Lending carries the risk that you might lose your capital.
Our BuyBack Guarantee aims to reduce your capital risk.

  • Build a diversified portfolio by buying microloans with a BuyBack Guarantee
  • Buyback automatically facilitated by the platform
  • Monitor and control your capital employed online, anytime
  • The buyback trigger will be activated if the loan falls into arrears, meaning that the issuing lender will buy the microloan back from you. Returning your capital outstanding on the loan

Making Lending easier for the everyday investor

"I have been investing (lending) through ReBuilding Society since January 2014. After a successful 1½ years with the platform, I added an account for my pension scheme in 2015. Later, I added an IFISA account in 2017. All 3 accounts have made, and continue to make, double digit returns."

- Veronica Long Term Lender on TrustPilot.com


Sophisticated and HNW lenders may offer to sell some of their microloans with a buyback guarantee, up to 40% of their performing portfolio

Buying lenders

BuyBack Guarantee microloans offer lenders peace of mind, as another lender has guaranteed your capital if the microloan falls into arrears. The buyback occurs after 60 days of arrears

How It Works

The buyback is offered by experienced investors on microloans. Other lenders (buyers) can choose to buy these BuyBack Guaranteed microloans at a higher cost compared to other microloans, with the added benefit that if the loan falls into arrears the issuer will buy the microloan back.

Purchase a microloan with extra 'security'. If the loan falls into arrears the buyback will automatically be triggered after 60 days and the guarantor will buy back the microloan within 30 days. Guarantors are restricted to only offering the buyback guarantee on a maximum of 40% of their performing portfolio. This agreement is between lenders and facilitated by rebuildingsociety.com

Open an account

And visit the Secondary Marketplace

Choose your microloans.

Simply select them from the microloans available

Start Earning Interest.

If the microloan falls into arrears it'll be bought back