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How to Secure A Personal Loan with SmarterLoan

Do you need to consolidate your debt, take a vacation or remodel your home? You’re among the many people in North America who rely on credit. Whether it is for a personal or commercial reason, almost everyone at one point needs access to a loan of some kind. can help you secure a loan of up to $10,000.

Eligibility Requirements

There are several requirements a prospective borrower must meet to be able to request a personal loan from SmarterLoan. They include:

  • You must be at least eighteen years
  • Earn a steady minimum monthly income of at least $1,000 after taxes
  • Be a citizen of the U.S. or a permanent resident
  • Be in a position to provide work and home phone numbers and a valid email address
  • Own a checking account registered in your name

Once you submit your loan request, SmarterLoan will search their network and try to connect you with one of their partners.

Why SmarterLoan?

With many businesses advertising options for cash, why choose SmarterLoan? SmarterLoan is one of America’s most trusted resources for cash loans. It makes use of a vast network of reliable lenders from which customers can submit a request for a personal loan. Additionally, SmarterLoan offers a secure, fast and convenient service to help you find a personal loan that can work for you.

Safe and Secure

If you are getting a personal or business loan, you need to deal with a reputable company with an established track record. SmarterLoan prides itself on providing customers with a fast, safe, reliable and simple loan process. They’re dedicated to protecting the privacy of borrowers who seek loans or request assistance online. You can rest assured knowing your vital data is protected.

Fast and Convenient

SmarterLoan allows you to submit a request for a personal loan online. Once a lender approves your loan, you can receive your funds as early as the next business day. Have your banking account and personal information on hand before starting your request to complete the process faster.

Custom Educational Resources

SmarterLoan goes beyond connecting you with personal loan lenders. They partner with you and provide on their site valuable educational resources that can help you make an informed decision about personal loans.

Compare Options in One Place

One of the great things about SmarterLoan is that you can easily compare different companies and their products. Read reviews from past customers or share own experience with other site users. Compare loan types, terms, qualification requirements, interest rates and more.

Nonpayment Consequences

SmarterLoan works only with personal loan lenders who provide customers detailed information on terms and conditions before accepting the loan offer. Ideally, you should read and understand the terms of any loan offer presented to you.

The Bottomline

SmarterLoan offers a great new way for Americans to discover the best loan and financing options in the country. The business does a fantastic job connecting people looking for financing with reputable companies. If you are looking for any kind of loan in the U.S, consider to make the best, educated decision.


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Tickr Investment App Makes Investing Easy

Today tens of thousands of people, investing on average £120 each month, are using the Tickr investment app. 40% are female while half the investors with an average age of 31 are first-time investors.

Development of the Tickr app targets the next generation of investors who want to make money as well as have a positive impact on the world. Users can sign up and start investing with a minimum investment of £5.

About Tickr Investment App

Tom McGillycuddy and Matt Latham launched the business in early 2019. Both worked in investment management and had come to view the finance sector as largely inefficient industry. Businesses were earning revenue and profit indiscriminately, without questioning the source of the money nor its supposed impact.

To date, Tickr has raised £2.5 million in external funding, including more than £1 million from a Seedrs crowdfunding campaign.

Tickr allows investors to invest in ethical investment through ETFs. The app also provides access to publicly listed companies committed to positive impact investing. Impact investing is one of the fastest-growing sectors of today’s investment management industry. Globally, assets invested in impact are doubling each year, and are forecasted to hit $1 trillion by 2020.

Intended Impact

Development of the Tickr investment app is meant to fulfill the emerging demand for a new generation of potential investors. The interest of these investors is to grow businesses with a social impact benefit and positive investment footprint.

The investment is accessible for first-time investors who can put their money into specific companies spanning four separate themes; climate change, equality, disruptive technology, or a combination of the three.

1). The climate change theme includes renewable energy businesses that derive revenue from activities such as building wind farms.

2). Social Impact is investing in businesses that address gender equality and inclusion.

3). Disruptive Technology is investing in businesses that develop tech-based solutions for big social problems.

4) The fourth impact is a combination fund of the above three points.

Accomplishments to date

– In September 2018 Tickr raised an initial round of £860,000 from people in the investment management industry in Europe and the US

– Launched on both iOS and Android and have thousands of users across both platforms

–  It has grown from 3 to 14 staff members, with offices in London and Liverpool.

– FCA regulated as an Appointed Representative.

– The 2019 winner of Tech Nation Rising Stars

– Made it to the Wealthtech 100 annual list of the world’s most innovative Wealthtech companies in April 2019

Monetisation Strategy

The Tickr business model is clear as it charges everyone the same flat fee of 0.7% per annum on assets under management. Moving forward, Tickr expects to create additional revenue streams from the launch of Tickr branded ETFs.

Retail and institutional investors will be charged outside the app whilst it will be free to use in-app for Tickr users.


  • Promotes ethical investments
  • Low cost investing through ETFs
  • Tax-efficient accounts through investment ISAs


  • Access limited to mobile
  • Limited ETFs and market access
  • Startup risk is high (despite funds protection by FSCS)
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Crowdstacker Investors In Limbo Over Bad Debts

Were you were among the many investors looking for a no-hassle income investment, packaged in a tax-efficient Innovative Finance ISA (IFISA)? If the answer is yes, you probably invested with the Crowdstacker peer-to-peer lending (P2P) platform.

The platform offers loans to businesses that have the likelihood of potential growth. But not everything goes to plan as we’ll deduce from this article.

About Crowdstacker

Crowdstacker was amongst the earliest P2P platforms to gain full permission from the FCA. On 6th April 2016, it became the first P2P platform to launch an Innovative Finance ISA. Later in 2017, Crowdstacker broke the record for funding when it completed UK’s largest crowdfunded P2P loan to date. It received funding of over £15m from Crowdstacker’s users with Seedrs fundraising £815,694 on 19th December 2018.

Crowdstacker’s investment process provided a list of businesses that wanted to borrow money from investors. An investor would then manually select the business they want to lend to from Crowdstacker. Investors were to earn interest every quarter and receive their capital at the end of the loan term.

Two businesses were kin to borrower money from Crowdstacker, ‘Amicus PLC’ and the ‘Quanta Group’.

Amicus Bad Loans

Amicus is a short term property lending business. Lenders loaned their money to Amicus through Crowdstacker. Thereafter, Amicus loaned on a short- term basis to property developers, landlords and property professionals. These loans were known as bridging loans.

As fate would have it, Amicus went into administration in December 2018. The shocking twist in events that followed raised questions about the transparency of the P2P industry. Lately, the amounts lent through P2P platforms have increased leading to an increase in scrutiny.

Amid concerns that it may struggle to recover funds from Amicus, Crowdstacker investors are increasingly critical of the P2P lending platform,

Amicus’s subsidiaries were sold without prior agreement from Crowdstacker, with the proceeds going to another creditor.  This development raised questions on whether the platform will be able to recover investors’ money.

BurningNight Bad Loan

A similar case happened in 2017 when bar chain operator BurningNight raised more than £7.5m from investors via Crowdstacker’s platform. The target returns were 7% per annum over a three-year period. Investors were informed that the loan was secured over the assets and business of BurningNight with a first-ranking debenture. Freehold and leasehold UK properties were the purported assets.

Later that year, it emerged that BurningNight’s bars were underperforming and one of the company’s subsidiaries, B&W Logistics bought them in December 2017. However, B&W Logistics went bust in June 2018 and BurningNight itself went into administration in September the same year.

In December 2018, Crowdstacker emailed investors informing them of the verdict of the appointed BurningNight administrator. The administrator discovered that certain assets of BurningNight’s subsidiaries were sold to another company and the proceeds dished out to a third-party.

Why BurningNight assets were sold under the noses of Crowdstacker officials when the platform purportedly had first charge over the loan is still a mystery to many. Crowdstacker claims they’re waiting for the final verdict and are urging patience to allow the legal process to play out. But there’s little chance of investors recouping their capital investment in full as Crowdstacker seems “clueless” in their recovery approach.

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Creditspring Review

Two former bankers – Neil Kadagathur and Aravind Chandrasekaran – founded London-based Creditspring in September 2018. Creditspring is a trading name of Inclusive Finance Limited and is a direct lender authorised and regulated by the Financial Conduct Authority (FCA).

Creditspring is an innovative short-term lender that offers customers a new way to deal with unexpected expenses. In return for a fixed monthly membership fee, you can borrow as much as £1,000 a year. The company’s aim is to provide consumers easy access to credit in a safe, simple, and cheaper way.

Monetisation Strategy

Creditspring generates revenues mainly from the membership fees. The costs of Creditspring Core is £6 per month while Creditspring Plus is £8 per month. There’s also a secondary revenue generator from the company’s Financial Stability Portal.

In return, you can borrow £250 or £500 on two separate occasions throughout the year at 0% interest. You only pay back what you borrow plus the monthly fee. This removes the risk of your debt spiraling because of massive interest charges.

Who Is Eligible For Creditspring?

Creditspring is limited to people who have an annual income of at least £20,000. Plus you have to be a member for 14 days before you can draw your first advance. You’ll also be subject to credit and affordability checks. The 14-day waiting period allows you to use your advances as a back-up plan for future emergencies.

The firm insists that you will never pay more than £96 over any 12 months period. But if you opt not to take out any loans, you will still pay the full membership fee of £72 per annum. The clarity offered by Creditspring is a big plus, knowing that you won’t have to pay any interest, as well as your expected repayments.

Pros and Cons of a Creditspring membership


  • The monthly fee should be comfortably manageable for most people.
  • Creditspring membership can offer you a fair degree of peace of mind.
  • You won’t lose time searching for and applying for credit when a financial emergency strikes.
  • A rise in credit score from the membership subs and the loan repayments allows you access better interest rates in the future.
  • The loans are likely to be cheaper than a similar high-cost short term loan.


  • The minimum income requirement of £20,000 p.a. may put the service out of reach of some who might benefit most.
  • The 14 days waiting period may not be an option if you need money fast.
  • If you end up not needing to borrow, you’ll still lose the membership fees.
  • Your credit score will suffer if you pay your monthly membership fee late.

The Bottom Line

Innovative lenders such as Creditspring offer an alternative to payday-style urgent loans. Although interest is 0%, the cost of credit is covered in the membership fee.

If you take out short term loans on a semi-regular manner and meet Creditspring’s eligibility criteria, then this is a viable facility. But if you don’t take out a loan during the year, then you’ve effectively paid an interest rate of infinity percent.

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Airsorted Online Platform Review

Airsorted is an online platform established in 2015. The firm offers account management, guest vetting, price optimisation, and replenishment services. Their headquarters are in London, England, GB EC1V7LQ. Founder and CEO James Jenkins-Yates has an approval rating of 86%. Airsorted has approximately 50 employees and an annual revenue of £25 million.

To help fuel further growth – including expansion to Sydney, Australia – Airsorted has raised £13.3 million in 4 rounds, the latest round being June 2019. Concentric led the round with participation from some of Airsorted’s investors including Atami Capital and Pi Labs.

The booming sharing economy and websites such as Airbnb are popular for homeowners looking to make some extra money and travelers looking for somewhere comfortable to stay. In 2018, over 2 million people used Airbnb to visit the UK and over 3 million Britons used the site while holidaying.

How Does Airsorted Work?

The host signs up to the site and commits to renting out their homes for a minimum of eight weeks per year. In return, Airsorted manages the booking.

Hosts pay Airsorted 12% of their earnings. Assuming you’re renting out your place for 46 nights, the average Airbnb host in the UK makes £2,000 a year renting their place. Take off the Airsorted fee and it drops to £1,760. For someone using the site specifically to make extra money, this is quite a large chunk wiped off.

Airsorted will manage the entire listing for you. This includes the account itself, guest communication, your home photos, professional cleaning, and laundry.

The company also installs a police-approved key safe at each property it looks after so that guests can check-in whenever they want.

For the cleaners, Airsorted works like Uber taxi drivers. The cleaners sign up and are vetted by the company. Airsorted currently has roughly 500 cleaners in 22 cities around the world who all interact with the app.

One extra perk of the service is that hosts can set preferences, selecting the level of control to dictate how much freedom they give Airsorted to manage their property.

Why Airsorted?

Renting out your home or your spare room for a night is a popular way of making some extra money. But what happens if you’re on holiday in France and your tenant calls to report a flooded kitchen or broken washing machine?

The hassle of handling the repair and the costs involved can be too demanding, making the hassle of making that extra 200 quid seem a tad tedious. Airsorted promises to take care of such emergencies – for a fee.

Bottom Line

It’s not by accident that the design of the Airsorted website gives the impression of an Airbnb spin-off. However, while the two companies work parallel to each other, there is no official link between them.

According to founder and CEO James Jenkins-Yates, he sees it as a benefit for guests to know when they are booking a professionally managed property. This gives the guest confidence that the experience is going to be of a certain standard, or at the very least, provide assurance that a listed property does exist.

It’s only a matter of time and trust before Airsorted becomes a well-known brand, as it piggybacks’ on the success of established unicorns.

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Crowdproperty Review

Crowdproperty is a peer-to-peer lending platform that specializes in giving loans to small real estate developers. They use Brismo, an independent market-leading provider of loan performance data to verify each loan. Mike Bristow, Andy Hall, and Simon Zutshi founded Crowdproperty in Birmingham in 2014.

The three co-founders background is in the real estate sector and have extensive experience in the selection and management of real estate portfolios.

To date, Crowdproperty has lent around 50 million pounds on properties valued at over £120 million. The firm currently has over 8,500 investors. The company is both solvent and financially steady, with a perfect record of closing at 1.1 million pounds round of capital funding.

Crowdfunding site Seedrs conducted the campaign with contributions from 575 investors and a pre-money valuation of £15.7 million.

Crowdproperty managed to break even in 2018, and the same results are expected in 2019. This and other factors add to the stability of the firm considering many Peer to Peer lenders are still operating at a loss.

Crowdproperty Regulation

Crowdproperty is authorised and regulated by the UK’s Financial Conduct Authority (FCA) with full permissions under FCA number 723959. The firm gained FCA permissions in September 2017. It’s important to note that the FCA is not the same as the FSCS (Financial Services Compensation Scheme), thus capital is not secured as it would be in a bank.

Registration and Conditions for Investors

Registration with Crowdproperty is open to people living outside the UK. But only EU citizens who can provide proof of residence in the EU can invest. Plus the platform requires its investors to have a bank account with an English entity.

You don’t have to live in the UK to open a bank account there. Many banks, especially online banks don’t ask for proof of residence to open an account.

Who Can Borrow From Crowdproperty?

Crowdproperty lenders lend directly to the borrowers who have experience in property development. Crowdproperty knows many of these developers and the firm trusts them as they are return clients who have taken out loans for other developments.

Loan agreements are directly between the lender (investor) and the borrower. Crowdproperty only acts as a middle man, managing loans, payments and debt collection. Should it be required, Crowdproperty can add an extra layer of safety with its ability to take over and manage projects to completion and sale.

This is a better option than having to repossess a defaulted property which can take years to sell and dispose of. Instead, developments could be completed and sold in a matter of weeks or months.

Is Crowdproperty A Safe Investment?

Crowdproperty’s real estate experts thoroughly evaluate and carry out a rigorous Due Diligence on each project proposal, and does background checks of its partners. Each project must meet a criterion of 25% return on cost and loans do not exceed 70% of the LTV (Loan To Value). For larger loans, loans are staggered in tranches.

The firm only makes loans on properties in which it can register such loans as the first load. In case of default, Crowdproperty will have preferential rights over the property.

Pros and Cons of Crowdproperty


  • Established in 2014 and with proven experience
  • Authorised by the FCA and regulated since 1 November 2017
  • Simple registration process
  • One hundred percent return on investment
  • Profitability target of 8% annually
  • The first legal charge for security


  • The secondary market is non-existent
  • There’s no buy-back guarantee
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CrowdLords Property Crowdfunding Platform

CrowdLords is a two-sided, residential Buy-to-Let crowdfunding platform that brings together Investors and Landlords. Instead of CrowdLords buying the property, they act as intermediaries between the landlord or developer and investors. Launched in 2014, CrowdLords is registered as a limited company with registration number 08868588 in Hook, United Kingdom.

How does it Work for Landlords?

CrowdLords allow landlords to raise funds for a property investment without the need of going to a bank and take out a buy-to-let mortgage. The landlord relies on crowdfunding to gain the cash. Once you identify the property you wish to invest in, CrowdLords will appraise development and refurbishment issues. The minimum investment amount is £5,000. It’s the landlord’s prerogative to calculate the percentage of the rental income and property capital growth to offer the investors.

CrowdLords will value the property and if satisfied with the project, they’ll list on their website for investors to put in their money. After reaching the target, the money is pooled together into a Special Purpose Vehicle (SPV) which will buy the property. The SPV overseer is an independent director. Both the landlord and investors will have shares in the SPV.

The landlord’s responsibilities include maintenance and running costs. The landlord will receive the money once the independent director has approved the expenses.

How does it Work For Investors?

Before you can commit your money to CrowdLords, you first need to complete a one-off assessment to ensure you understand the risks involved. After approval, you’re free to browse the investments on offer. To invest you’ll need a minimum of £1,000.

How does CrowdLords Investments Work?

Each investment covers a set term, of 1, 3 or 5 years and defined by the landlord. Assuming the property is occupied, the investor benefits from a percentage of the rental income over this period, paid as a quarterly dividend.

At the end of the specified years, the landlord can continue by relisting the property on CrowdLords or sell the property on the open market. The investor will get a portion of the sale if the property has increased in value. If the landlord is a non-performer, the independent director appointed to the SPV can intervene to help resolve any issues.

The Fees

  • Landlords pay a £500 listing fee as well as a ‘success fee’ of 5% of the total amount of investment capital raised.
  • There is a ‘handling fee’ of 1% of all income paid out to shareholders. 10% ‘investment fee’ on the capital gain on the property being sold is also charged, but this is only when the investment was profitable.

Raising Capital

Despite being denied the opportunity to raise money on CrowdCube, CrowdLords is raising capital through private investment and crowdfunding such as Seedrs. According to Seedrs fundraising history, CrowdLords investment obtained so far is:


11-Dec-2014 – £150,000.00

14-Jun-2019 – £152,490.00

Whilst in Beta, CrowdLords is offering 80 shares at £5.00 per share. Share price history is as below:

  • £5.00 – 24 June 2019 (Current price)
  • £0.61 – 30 December 2016
  • £0.65 – 22 June 2016
  • £2.50 – 11 December 2014

There is an absence of liquidity in property investments and currently, CrowdLords lacks a formal secondary market. This means you should only invest money you will not need in the short-term. Nonetheless, CrowdLords rates of return are significantly higher than the one’s banks and building societies offer. They’re also relatively unaffected by changes in the stock market.

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Monese Current Account Review

Monese is a financial services provider based in the UK. Established in 2015, Monese provides mobile banking services, streamlined current accounts, and modern finance to both UK and Eurozone residents. The company takes mobile banking a step further by allowing customers to create an account without a U.K address.

U.K residents can add funds to their account and prepaid debit card from 40,000 locations including Post Offices or any Paypoint location. Monese also integrates with your phone’s mobile wallet allowing you to make direct payments from your Monese account through Google Pay or Apple Pay.

Monese Current Account

The Monese current bank account is simple to open even without a perfect credit score or documentation for utility bills. The account offers services similar to a standard bank account. These include budgeting, direct debits, cash at ATMs, receive GBP or Euro bank transfers, debit cards, and much more.

Is Monese Safe?

The FCA under the Electronic Money Regulations 2011 (900010) has authorised Monese Ltd to issue electronic money and payment services. Furthermore, Monese uses best practices to protect your money and secure your personal information. A network of stable European banks helps store all the transfers made to Monese current accounts. In case the company should go bust, customer funds are ring-fenced to protect your money from being reinvested by Monese.

Monese has also developed innovative technologies and processes to protect accounts against unauthorised access. This adheres to the latest standards in financial security. The company is a member of CIFAS and works with major banking services to fight against fraud.

Accessing your Monese account from a single mobile device prevents any possibility of someone gaining control of your account. Monese uses a secure multifactor authentication to verify identities including Touch ID, 3D Secure and Face ID biometric recognition.

How to Transfer Money with Monese

Monese works like digital-only accounts via the app which has multiple tabs for different aspects of the account including:

  • Debit card – The Monese debit card performs the same functions like a traditional debit card. It’s also prepaid and contactless for extra convenience.
  • UK bank transfers – You can pay your bills or send money to friends and family with Monese bank transfers which use the Faster Payments Service that takes between 2 to 4 hours.
  • Foreign transfers – You can transfer money abroad into eight different currencies using the “interbank rate”. The transfer takes between 2 to 4 working days.
  • Foreign transfer from Eurozone accounts – If you transfer money with a Euro account through a SEPA payment, the payee will receive the money by the next working day.
  • Pay contacts – You can make payments or transfer money to friends and family straight from your phone’s contact list.
  • Standing orders – You can set up a standing order to make routine payments for specific amounts, dates or payee via a managed in-app.

Monese is a great option for digital nomads and travelers looking to open an account quickly in a different country. You can access fee-free card payments and ATM withdrawals abroad which is impossible with traditional bank accounts. If you need to deposit cash in your account regularly, Monese deposits are free making it a better option over other UK challenger banks such as Monzo and Starling.

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What You Need To Know About Cred Crypto Loans

Former PayPal financial technology veterans are the founders of Cred, a decentralised global lending platform that provides open access to credit anytime and anywhere. Cred is also a global company with branches in San Francisco Singapore, Munich, Sydney and Shanghai.

Cred boasts over $300 million in crypto-backed lending capital. This is four times larger than other major lending crypto platforms. The company aims to harness blockchain technology to enable users to enjoy low-cost credit products.

Another feather in its cap is that the company is a founding member of the UP Alliance. Along with Brave, Uphold and Blockchain, UP Alliance launched the Universal Dollar to help decentralised ledger technology achieve mainstream adoption.

Cred Crypto Loan

Some of the largest investors in crypto and tech such as 500 Startups, Arrington XRP Capital, Blocktower, FBG Capital, and Binance Labs are the main backers’ of Cred. Cred developed LBA utility token to access Cred platform services which include crypto-to-crypto lending.

The Cred LBA token is available in more than 180 countries including the UK and US. The token is also available in exchanges such as Bibox, IDEX, Huobi, OKEX, Bilaxy, and

There’re several reasons why you should get crypto-backed loans. Below are six reasons why you should consider crypto-line-of-credit (C-LOC):

1) Credit history – Your creditworthiness with crypto-backed loans is not calculated on your lack of credit history or bankruptcy. It’s based on your crypto collateral.

2) Convenient – Conventional loans take longer to process before the loans can deliver. Cred’s loan application process is fast, simple and easy allowing you to get the crypto line of credit when you need it.

3) Competitive interest rates – Crypto-based lending offers the same access to credit and low-interest rates anywhere in the world. This is unlike unsecured conventional loans which vary according to region.

4) Create a budget – How much can you afford? Financial budgeting tools such as Acorns or Mint can help you manage expenses as well as monitor spending and saving habits. Having a budget will help you determine how much money you need to borrow and if you’ll be able to pay back your Cred loan with ease.

5) Spend and invest – A Cred crypto-based loan allows you to take advantage of your crypto assets without losing out on the potential of your investment. This means you can invest in the future while you spend money today.

6) Financial status – Most conventional financing requires traditional forms of collateral assets such as property and stocks. Crypto-backed lending can be a practical alternative if you lack sufficient collateral to qualify for traditional loans.

Cred is working to build an ecosystem that will change the personal finance industry for consumers around the world. The company plans to achieve this by leveraging blockchain technology and digitisation.

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Investing In Property With Yielders

Several mainstream platforms have recently emerged offering investors small sums of capital opportunities to pool together their investments to gain a property one cannot afford alone. However, such platforms are not workable with sharia law owing to the debt they introduce into their offering. Today there’re several sharia-compliant property products including Yielders that fill this gap.

Yielders’ Islamic Finetech property platform offers investments from as little as £100 This allows a good chunk of the Muslim population to get involved in real estate investment opportunities without the burden of a mortgage or the hassle of being a landlord. In 2017, Yielders was the first Islamic Fintech platform to receive the Financial Conduct Authority (FCA) authorisation. This gave investors more assurance resulting in impressive quarterly growth in investment value with a 260% increase in Q2 and 137% in Q3.

Yielders Investment Opportunities

Yielders’ crowdfunding investment platform puts UK property investment within everyone’s reach. The platform retails pre-funded investments so that the assets can generate pre-defined rental incomes. This means investors can start earning returns within 30 days. Each property investment has a lifespan of 2 to 5 years. The Yielders UK team manages the entire investment process to maximise gains.

The investor benefits in three ways:

i). Zero leverage – Yielders team of legal experts consolidate the assets in an SPV structure.

ii). Prefunded assets – Before offering the property to the public, Yielders property sourcing team first acquires the assets.

iii). Fully integrated – Yielders have streamlined the process of investing in property straight from the comfort of your mobile devices.

How to Fund Your Yielders Account

Once you become an investor, you’ll receive an e-wallet which you can top up via a debit card or bank transfer. Transaction fees include:

  • Initial fee – 2.5 initial fee covers the cost of setting up the asset structures and administration costs of onboarding investors.
  • Management fees – 10% management fee of the gross rental income. This covers the ongoing costs of managing the investment company and its assets.
  • Profit share – 15% profit shared is tied to investor returns. Yielders will receive 15% of the capital appreciation when an asset sells at a profit at the end of the agreed investment period.

Risks to Investors

Investors’ main risks come with conventional crowdfunding which could hold up the investment process. Subsequent risks include the need to put tenants into place, adhere to set terms agreed, and the lack of an exit strategy.

Yielders’ business model mitigates such risks by pre-funding assets. This gives an added layer of security and pre-defined rental agreements. This allows Yielders to minimise voids while maximising returns. All in all, investors are already aware of expected returns before they invest. Furthermore, Yielders has a secondary market which allows assets to be re-listed giving investors complete control of their funds.

Yielders offers a great platform for the Muslim population who lack enough cash or time to buy and own property. Though not as liquid as other investment options, this investment is ideal for people looking to invest for the next 3 to 5 years. In general, Yielders is a robust property investment platform that is beneficial to the UK Islamic market.