1. We lend with you Wellesley & Co makes every loan in the first instance using our shareholders’ own money. Wellesley then re-assigns the loan to the lenders, however it retains a portion in every loan it makes. If a borrower were to default, Wellesley would take the first loss, before any of our customers. Wellesley & Co bases its lending decisions on risking its own capital, therefore our customers can rest assured that we only lend to borrowers on their behalf, that we would lend our own money to. See The Wellesley Promise
2. Secured Lending Every loan that Wellesley & Co makes is secured against an asset, that could be sold if a borrower failed to repay their loan. Wellesley retains an average Loan-to-Value(LTV) of approximately 65%. Lending at a low LTV, Wellesley manages the risk of the downturn in pricing of the secured assets. All security provided by a borrower is held by an Independent Security Trustee. View our Lending Statistics
3. Fixed Rate Returns, no fees! Wellesley & Co offer fixed rate returns for fixed terms. Unlike other platforms, the rate that Wellesley & Co advertises is not variable and we do not charge any fees to our customers. This allows our customers to plan ahead knowing when their term matures, and the rate of return. Wellesley & Co is the only Peer-to-Peer Lending platform that pays interest on your funds straight away, even if we have not matched your funds yet. This means no waiting for an auctions, waiting for loans to draw-down. View our fixed rates
4. Provision Fund. Wellesley & Co has a Provision Fund for the purpose of compensating customers if a borrower fails to repay their loan. Every time we make a new loan, a portion of the loan fee will be paid into the Provision Fund.
5. Start with just £10! The Wellesley & Co minimum investment is just £10 and registration only takes a few minutes. Register Now!