Investors select the market they wish to invest in, the amount they wish to invest, and set the rate at which they wish to lend at. This is known as creating a ‘lending order’.

Lending orders are then matched to borrower loans, with the lowest rate lending orders in each market taking priority.

As such, the rates in each lending market are set by investors and borrowers, according to the supply and demand of funds at different interest rates.

Their technology automatically matches investor lending orders to the loans of borrowers that have met their credit requirements.

Investors do not have to select specific loans to fund, and their lending order may be matched to a single loan or multiple loans.

The Provision Fund can help protect your investment in the event of a borrower missed payment or default.

Investors receive payments that borrowers make on loans they have funded.

Borrower repayments can be automatically reinvested back into the relevant lending market, helping investors earn returns on both their initial principal and the interest earned.

Alternatively, investors can choose to withdraw either the whole amount or just the interest portion of borrower repayments to their nominated bank account.

If a borrower misses a repayment, the Provision Fund can compensate investors to help protect against any losses.