Secondary Marketplace

Lenders can trade Microloans on the Secondary Market. Sellers may recover the outstanding capital, from buyers who pay for the right to receive the future interest payments on pre-agreed microloans.

Demand for microloans varies from loan to loan, so there is no guarantee that you can fully divest on the secondary market. However, sellers may influence demand by charging a premium or discount on the capital outstanding by up to +5% or –5%; this is reflected on your dashboard as a ‘Microloan gain/loss’. On the loan profiles, in the Microloans tab, you can see a ‘Buyer Rate’, which indicates the approximate annual rate of return after the premium/discount is applied. Some borrowers may redeem their loan early by repaying all the capital outstanding plus one month of interest, in this event any future interest payments are foregone, so the loss incurred from paying a premium may not always be recovered by future interest payments.

You may sort each column by clicking the column title and use the Filter to narrow down the list of Microloans for sale. When you purchase multiple microloans, any rounding of non-displayed decimals may result in paying slightly more, or less than the sum of the visible amounts.

Business name
Business Type
Sector
Risk
Security
Term
Companies I lend to

Risk Categories
  • A+ Very low risk
  • A low risk
  • B below average risk
  • C average risk
Loan Risk
Risk
The risk category assigned to this loan when it was originally put on the live auction.
Highest Rate
Highest Rate
The annual return offered by the best-priced micro loan.
Available Capital
Available Capital
The total value of all micro loans listed for sale in each business.
Repayment Form
Repayment Form
Information on whether the business has made repayments on time or late.
Next Repayment Due:
Next Repayment Due
Date difference between current date and date of next repayment.
Average premium / discount
Average premium/discount
The higher the average premium, the higher the demand for the loan (the loan is hot). The average is calculated from the top 100 microloans in order of Buyer Rate. A negative average suggests that the majority of people are keen to divest from this loan (the loan is cold).
Millbak Limited
Other
RiskBRate12.92%Capital£203Repayment58 of 63 made (56 timely, 2 late)
(28 remaining)
Overdue4.84%
Mcardle Marketing Limited
Other
RiskBRate5.00%Capital£27Repayment54 of 54 made (51 timely, 3 late)
(6 remaining)
24 days4.24%
Huyton Heat Treatments(2010) Ltd
Engineering
RiskBRate7.73%Capital£323Repayment48 of 48 made (46 timely, 2 late)
(12 remaining)
29 days4.87%
The Retreat (leek) Limited
Other
RiskCRate5.43%Capital£6Repayment47 of 47 made (47 timely)
(13 remaining)
25 days4.06%
Scoop Retail Technologies Limited
Technology
RiskBRate13.24%Capital£2,340Repayment43 of 45 made (33 timely, 10 late)
(17 remaining)
19 days4.74%
Personal Property Ltd
Business Services
RiskBRate8.94%Capital£50Repayment45 of 45 made (45 timely)
(15 remaining)
16 days4%
Insul-eight (contracts) Limited
General Construction
RiskBRate7.45%Capital£10Repayment45 of 45 made (45 timely)
(15 remaining)
26 days5%
Plumbserve Ltd
Building Services
RiskCRate17.00%Capital£1,704Repayment37 of 42 made (23 timely, 14 late)
(23 remaining)
Overdue3.48%
Ram Climate Limited
RiskBRate10.17%Capital£921Repayment40 of 40 made (38 timely, 2 late)
(20 remaining)
17 days4.88%
Senate Training Ltd
Business Services
RiskCRate16.05%Capital£11,239Repayment39 of 40 made (27 timely, 12 late)
(21 remaining)
Imminently3.93%
Yewshore Ltd
Other
RiskCRate6.01%Capital£15Repayment39 of 39 made (39 timely)
(9 remaining)
29 days5%
Scotnorone Limited (fsteer Limited)
Construction
RiskCRate14.65%Capital£728Repayment34 of 35 made (22 timely, 12 late)
(26 remaining)
Overdue4.22%
Invasion Corp Ltd
Travel
RiskBRate5.00%Capital£131Repayment31 of 31 made (31 timely)
(5 remaining)
9 days3.25%
Clement Pierce Ltd
Recruitment
RiskCRate5.00%Capital£41Repayment30 of 31 made (25 timely, 5 late)
(6 remaining)
Overdue4.07%
Ltt Sme Ltd
Technology
RiskCRate7.95%Capital£148Repayment32 of 32 made (31 timely, 1 late)
(14 remaining)
11 days5%
P L K Building Services Limited
CONSTRUCTION
RiskCRate15.84%Capital£82Repayment15 of 15 made (15 timely)
(45 remaining)
18 days3.5%
J C Pomfret Construction Limited
CONSTRUCTION
RiskCRate14.71%Capital£58Repayment15 of 15 made (11 timely, 4 late)
(21 remaining)
19 days3.5%
Shaping Cloud Ltd
INFORMATION AND COMMUNICATION
RiskCRate18.83%Capital£17Repayment14 of 14 made (14 timely)
(46 remaining)
11 days2%
Henry's Garden Ltd
Wholesale of other machinery and equipment
RiskCRate15.88%Capital£17Repayment13 of 13 made (13 timely)
(47 remaining)
15 days2%
Ejp Beauty Limited
OTHER SERVICE ACTIVITIES
RiskCRate15.92%Capital£1,459Repayment11 of 12 made (11 timely)
(49 remaining)
18 days4.16%
Prima Cleaners Limited
RiskCRate18.89%Capital£18Repayment11 of 11 made (10 timely, 1 late)
(49 remaining)
8 days2%
Opwg Ltd
Retail sale of games and toys in specialised stores
RiskCRate16.93%Capital£9Repayment10 of 10 made (10 timely)
(50 remaining)
22 days2%
Adept Concepts Uk Ltd
CONSTRUCTION
RiskBRate14.97%Capital£3,686Repayment8 of 8 made (8 timely)
(52 remaining)
2 days4.88%
B Smart Properties Ltd
CONSTRUCTION
RiskBRate11.02%Capital£449Repayment8 of 8 made (7 timely, 1 late)
(52 remaining)
10 days3.03%
Specialist Insurance Agency (holdings) Limited
REAL ESTATE ACTIVITIES
RiskCRate15.00%Capital£607Repayment7 of 7 made (7 timely)
(53 remaining)
18 days4%
Vicarage Ventures Ltd
Business Services
RiskBRate10.30%Capital£111Repayment9 of 9 made (8 timely, 1 late)
(25 remaining)
23 days4.95%
L.s Delta Ltd
Other retail sale in non-specialised stores
RiskCRate20.00%Capital£3,548Repayment4 of 6 made (3 timely, 1 late)
(56 remaining)
Overdue1.93%
Fist Bump For Science Limited
EDUCATION
RiskCRate16.62%Capital£4,132Repayment4 of 4 made (4 timely)
(56 remaining)
24 days5%
Olympus Eyewear Europe Ltd
Agents specialized in the sale of other particular products
RiskBRate9.78%Capital£48Repayment3 of 3 made (3 timely)
(57 remaining)
22 days5%
Kadco Fashion & Textiles Ltd
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskCRate16.73%Capital£30,630RepaymentFirst repayment due 23 Jan
(60 remaining)
6 days5%
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