Welcome to the New Year. A very uncertain year, and whilst we continue to grow, we are doing so more cautiously. We have three sets of eyes on every lending request and turn down many that we feel just might be problematic. Many borrowers are needing money for longer than they planned and so we stress repayment amounts and timetables to take account of delays. This has made our portfolio very robust and enabled us to support borrowers through their projects.

We continue to have a steady stream of high-quality investment opportunities and we are looking for new money. We have paid over £1.25M in interest to our investors and returned over £5M in principle with no capital losses. We can take up to £500K with rolling 12 months’ notice on each side.