Secondary Marketplace

Buy and Sell Microloans

Demand for microloans varies from loan to loan. Performing loans are normally popular, trade with a premium and may sell quickly, whereas loans with arrears may be unpopular, trade infrequently often at a discount. There is no guarantee that you will be able to sell microloans.

Sellers may influence demand by charging a premium or discount on the capital outstanding by up to +15% or –15%; 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 effective buyer interest rate pa (after applying the discount or premium) that is realised, assuming the loan performs to the end of its term.

Everyone likes a deal, but please beware of significantly discounted loans. These may be at higher risk of becoming non-performing loans. Check to see if they have recently missed a repayment.

Tips for New P2P Lenders

  • You may sort each column by clicking its title and use the Filter to narrow down the list of Microloans for sale
  • Loan profiles are prepared at the time the loan is arranged, so the information can be outdated, please read the Loan Updates, Discussion, and Repayment tabs before buying any microloans.
  • Some microloans have a BuyBack Guarantee – Find out more about the buyback guarantee
  • Use the BuyPal feature to auto-invest your funds into performing loans.
  • Borrowers may redeem their loan early (by repaying all the capital outstanding plus one month of interest). When this happens, future interest payments are foregone, so the cost of paying a premium may not always be recovered by future interest payments.
  • Rounding of non-displayed decimals may result in paying slightly more, or less, than 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).
Huyton Heat Treatments(2010) Ltd
Engineering
RiskBRate5.03%Capital£34Repayment54 of 54 made (52 timely, 2 late)
(6 remaining)
29 days3.2%
Scoop Retail Technologies Limited
RiskBRate9.47%Capital£1,658Repayment48 of 51 made (34 timely, 14 late)
(12 remaining)
Overdue4.75%
Bewley Recruitment Ltd
Recruitment
RiskCRate8.05%Capital£14Repayment50 of 50 made (50 timely)
(10 remaining)
28 days5%
Plumbserve Ltd
Building Services
RiskCRate15.76%Capital£1,790Repayment41 of 48 made (21 timely, 20 late)
(19 remaining)
18 days3.29%
Ram Climate Limited
RiskBRate6.00%Capital£148Repayment46 of 46 made (44 timely, 2 late)
(14 remaining)
17 days5.49%
Senate Training Ltd
Business Services
RiskCRate17.05%Capital£9,511Repayment44 of 46 made (26 timely, 18 late)
(16 remaining)
Imminently3.8%
Yewshore Ltd
Other
RiskCRate5.00%Capital£2Repayment45 of 45 made (45 timely)
(3 remaining)
29 days2.16%
Littlecombe Park Limited
Other
RiskCRate6.36%Capital£67Repayment43 of 43 made (43 timely)
(17 remaining)
8 days8%
Insulated Floors Limited
Construction
RiskBRate11.56%Capital£807Repayment39 of 40 made (39 timely)
(21 remaining)
Overdue5.94%
Concept Automotive Limited
Motor
RiskCRate20.69%Capital£1,584Repayment34 of 40 made (34 timely)
(14 remaining)
Overdue4.42%
Elite Training Assessing & Development Cic
Education
RiskBRate13.20%Capital£510Repayment38 of 38 made (31 timely, 7 late)
(22 remaining)
6 days5.15%
Andrews Fasteners Limited
Manufacturing
RiskCRate5.31%Capital£5Repayment37 of 37 made (37 timely)
(23 remaining)
11 days8.24%
New Media Information Technologies Limited
Technology
RiskCRate10.87%Capital£43Repayment37 of 37 made (31 timely, 6 late)
(23 remaining)
17 days9.83%
Ltt Sme Ltd
Technology
RiskCRate12.11%Capital£418Repayment37 of 38 made (35 timely, 2 late)
(9 remaining)
11 days4.8%
Candy Hero Ltd
Import/Export
RiskCRate11.05%Capital£503Repayment30 of 30 made (29 timely, 1 late)
(30 remaining)
11 days14.1%
Taylor Made Property Management Limited
7031 Real estate agencies
RiskCRate15.46%Capital£564Repayment28 of 30 made (27 timely, 1 late)
(32 remaining)
24 days5.07%
Anvil House Limited
RiskCRate14.70%Capital£477Repayment26 of 27 made (26 timely)
(34 remaining)
19 days9.94%
Promoting Independence Ltd
HUMAN HEALTH AND SOCIAL WORK ACTIVITIE
RiskCRate5.74%Capital£152Repayment22 of 22 made (22 timely)
(14 remaining)
13 days8.55%
J C Pomfret Construction Limited
CONSTRUCTION
RiskCRate11.37%Capital£190Repayment21 of 21 made (17 timely, 4 late)
(15 remaining)
19 days8.24%
Ejp Beauty Limited
OTHER SERVICE ACTIVITIES
RiskCRate16.69%Capital£3,583Repayment17 of 18 made (17 timely)
(43 remaining)
18 days4.81%
Opwg Ltd
Retail sale of games and toys in specialised stores
RiskCRate11.67%Capital£25Repayment16 of 16 made (15 timely, 1 late)
(44 remaining)
24 days15%
Adept Concepts Uk Ltd
CONSTRUCTION
RiskBRate15.86%Capital£1,730Repayment14 of 14 made (12 timely, 2 late)
(46 remaining)
2 days8.29%
B Smart Properties Ltd
CONSTRUCTION
RiskBRate10.37%Capital£670Repayment14 of 14 made (13 timely, 1 late)
(46 remaining)
10 days3.51%
Specialist Insurance Agency (holdings) Limited
REAL ESTATE ACTIVITIES
RiskCRate15.72%Capital£72,542Repayment13 of 13 made (13 timely)
(47 remaining)
18 days3.14%
Wisteria Care Limited
HUMAN HEALTH AND SOCIAL WORK ACTIVITIE
RiskCRate14.73%Capital£7,685Repayment12 of 12 made (12 timely)
(48 remaining)
Imminently2.21%
Ketley Town Convenience Store Ltd (formerly L.s. Delta)
RiskCRate19.73%Capital£9,134Repayment9 of 12 made (4 timely, 5 late)
(51 remaining)
5 days2.67%
Bah Financiere Management Limited
RiskCRate6.59%Capital£34Repayment9 of 9 made (9 timely)
(15 remaining)
21 days9.5%
Kadco Fashion & Textiles Ltd
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskCRate18.00%Capital£21,359Repayment6 of 6 made (4 timely, 2 late)
(54 remaining)
6 days4.33%
G 5 Trading Co Ltd
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskCRate17.57%Capital£9,148Repayment4 of 4 made (4 timely)
(56 remaining)
1 days10.92%
Aspire Consultancy And Training Limited
EDUCATION
RiskCRate18.38%Capital£19,751Repayment2 of 3 made (2 timely)
(58 remaining)
Overdue4.39%
Ib Contractors Limited
CONSTRUCTION
RiskCRate17.57%Capital£557Repayment4 of 4 made (4 timely)
(56 remaining)
13 days8.73%
Le Bureau Limited
ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES
RiskCRate17.61%Capital£369Repayment3 of 3 made (3 timely)
(57 remaining)
1 days9.86%
Shayien Food Ltd
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskBRate14.64%Capital£191Repayment4 of 4 made (4 timely)
(56 remaining)
22 days7.29%
Gladbourne Estates Limited
REAL ESTATE ACTIVITIES
RiskCRate14.08%Capital£52Repayment4 of 4 made (4 timely)
(20 remaining)
28 days9.88%
Blanco & Gomez Wine Merchants Ltd
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskCRate14.31%Capital£917Repayment3 of 3 made (3 timely)
(33 remaining)
16 days8.4%
Afterthought Group Ltd
INFORMATION AND COMMUNICATION
RiskBRate9.66%Capital£55Repayment4 of 4 made (4 timely)
(32 remaining)
26 days12%
Msd Servicing Limited
CONSTRUCTION
RiskA+Rate7.79%Capital£2,288Repayment1 of 1 made (1 timely)
(59 remaining)
16 days0.92%
Tnr Export Packing Limited
MANUFACTURING
RiskCRate14.72%Capital£480Repayment1 of 1 made (1 timely)
(35 remaining)
3 days9.28%
Sky Metal Finishing Ltd
MANUFACTURING
RiskCRate17.78%Capital£1,168Repayment1 of 1 made (1 timely)
(59 remaining)
18 days9.63%
Lodhi & Sons Limited
WHOLESALE AND RETAIL TRADE INCLUDING REPAIR OF MOTOR VEHICLES
RiskCRate17.74%Capital£525Repayment1 of 1 made (1 timely)
(59 remaining)
24 days8.42%
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