What Proplend does

Proplend is a UK FCA-authorised peer-to-peer lending platform (FCA Reference 726646) that connects individual and institutional investors with commercial property borrowers, operating exclusively in the sub-£5m market gap left by retreating traditional banks. Founded in 2014 and headquartered in Richmond (with a registered office in London), Proplend has facilitated over £285m in loans across 305-326 commercial property deals, paying out £37m+ in interest to lenders at an 8.28% actual weighted average return over 7 years with only £0.25m in cumulative lender losses.

The proprietary platform structures loans across three LTV-based risk tranches (Tranche A 0-50% LTV averaging 6.05%, Tranche B 51-65% averaging 7.87%, Tranche C 66-75% averaging 9.81%) secured by first legal charges on commercial property in England and Wales. Loan products include commercial mortgages (up to 3 years), bridging loans (up to 18 months), and VAT bridge loans (4 months). The platform offers AutoLend automated investing, a secondary market Loan Exchange for liquidity, and account wrappers including the Innovative Finance ISA, SIPP/SSAS pensions, and a dedicated Wealth Manager Portal with API data feed for B2B2C distribution. A newly launched Institutional Lending program targets enterprise CRE debt allocators.

Revenue is generated entirely through transaction-based fees: a 2% borrower arrangement fee, a 10% lender platform fee on gross interest, a 0.5% secondary market assignment fee, and a 2% break fee. The company employs 11-50 staff and is privately held, founder-controlled by CEO Brian Bartaby, with a single disclosed institutional investor (Salamanca Group, 2017) and a $2.4M funding round in 2021. Distribution spans direct-to-consumer self-service, NACFB broker partnerships, pension administrator integrations (Westerby, Morgan Lloyd, Whitehall), and the wealth manager channel — with over 25% of loans and over 70% of lender capital now flowing through intermediated and tax-wrapped channels respectively.

Name

Proplend

Legal name

Proplend Limited

Website

https://proplend.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Proplend is an FCA-authorised UK P2P lending platform that connects individual and institutional investors with sub-£5m commercial property borrowers via three LTV-based risk tranches, with over £285m in loans funded since 2014.

Ownership category

akta.pro rank

Headquarters

HQ city

Richmond

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Borrower Arrangement Fee: 2% of the gross loan amount charged to borrowers when the loan is fully funded and payable at drawdown of the loan.
2. Lender Fee: 10% fee charged from the Gross Interest lenders receive on their investments.
3. Secondary Market Assignment Fee: 0.5% fee for secondary market sales on the Proplend Loan Exchange.
4. Break Fee: 2% of the gross loan amount due if the Borrower decides to cancel the Funding prior to it being fully funded or if loan is fully funded but borrower fails to sign loan contracts within agreed time period.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Proplend operates a FCA-authorised peer-to-peer lending platform that enables individual and corporate investors to earn regular monthly income by lending against commercial property in England and Wales. The platform matches commercial property borrowers (securing £250k–£3m loans by 1st legal charge) with investors who can deploy capital via Classic, Innovative Finance ISA (IFISA), SIPP/SSAS pension, Wealth Manager, or Institutional account types, with loans structured across three LTV-based risk tranches.

Product overview

Proplend is a specialist peer-to-peer commercial property lending platform that enables investors to earn regular monthly income by lending against secured commercial property loans. The platform operates a unified core product with multiple loan types (VAT Bridge Loans, Bridging Loans, Commercial Mortgages) offered to borrowers, and various investment account wrappers (Classic, Innovative Finance ISA, SIPP/SSAS) for lenders. Key platform features include Autolend for automated investing, the Proplend Loan Exchange for secondary market liquidity, a Wealth Manager Portal with API data feed for B2B2C distribution, and dedicated Institutional Lending programs. All loans are secured by first legal charge on commercial property in England and Wales, structured across three LTV-based risk tranches. The platform is FCA authorized and has facilitated over £534m in property loans.

Differentiator

Problem solved

Functional benefit

Products and services

• VAT Bridge Loan A short-term loan product covering the 20% VAT payment due on purchase of VAT-registered commercial properties in England and Wales. Designed for commercial property buyers needing to fund VAT upfront, with a fully managed lending solution and VAT recovery services; typically redeemed within 4 months.
• Commercial Bridging Loans Short-term commercial property loans used to fund rapid commercial property purchases or release equity. Loans range from £250,000 to £2,500,000 with terms up to 18 months, up to 75% LTV on an interest-only basis for non-income producing properties.
• Commercial Mortgages Medium to long-term loans secured against income-producing commercial property for purchase or refinancing. Loans range from £250,000 to £2,500,000 with terms up to 3 years, up to 75% LTV on a fixed-rate interest-only basis.
• Innovative Finance ISA (IFISA) Tax-free ISA wrapper for peer-to-peer loans, allowing investors to earn the same interest rates as the Classic account on a tax-free basis. Offers Flexible ISA functionality allowing withdrawals and replacements within the same tax year, with an annual subscription limit of £20,000.
• SIPP & SSAS Pension Accounts Pension wrapper accounts enabling investors to deploy SIPP or SSAS pension funds into commercial property loans, earning tax-free interest. Works with participating pension administrators including Westerby, Morgan Lloyd, and Whitehall.
• Wealth Manager Portal Dedicated B2B2C portal enabling wealth managers to onboard clients, distribute Proplend loan investments at scale, and track and monitor client information, with API data feed available for integration. Over 25% of platform loans have been funded through wealth manager clients.
• Institutional Lending Program Commercial real estate (CRE) loan syndication services enabling institutional investors to deploy capital directly into the CRE debt marketplace across bespoke lending programs, offering stable monthly income and capital protection.
• Proplend Loan Exchange Secondary market platform enabling members to buy and sell existing income-producing loan contracts, providing liquidity for lenders. Sellers are subject to a 0.5% assignment fee.
• Autolend Automated lending feature allowing investors to deploy funds automatically via 'Always On' mode for hands-off investing, or manually via 'Self Select' for hands-on investors seeking control over individual loan selection.

Quantifiable outcome

• 8.28% actual return weighted average over 7 years
• +6 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• NACFB (National Association of Commercial Finance Brokers)coreChannel Partner/ Reseller/ DistributorProplend is a Patron of NACFB, the trade body for commercial finance brokers. Norman Chambers, NACFB Managing Director, stated: 'Our member brokers have warmly received Proplend as they offer further diversity in the property lending space.' This partnership provides broker referral channel for borrower acquisition.
• Whitehall GroupcoreChannel Partner/ Reseller/ DistributorWhitehall Group is an independent Professional Trustee and Scheme Administrator providing bespoke solutions to self-administered pension schemes (SSAS). Proplend was approved for P2P lending via SSAS through Whitehall Group, enabling their pension scheme clients to invest in commercial property loans.
• Westerby The Pension SpecialistsupportingChannel Partner/ Reseller/ DistributorParticipating pension administrator allowing clients to invest pension funds through Proplend platform.
• Morgan LloydsupportingChannel Partner/ Reseller/ DistributorParticipating pension administrator enabling SIPP/SSAS holders to access Proplend commercial property loans.
• Skoot.ecosupportingStrategic or Co-development PartnerCarbon offset partner that calculated Proplend's annual emissions in line with the Greenhouse Gas Protocol. Proplend offsets 100% of emissions via tree planting with certified reforestation charity to achieve net zero.
• SIPPclubsupportingChannel Partner/ Reseller/ DistributorSIPPclub provides information and support to people with self-invested pensions who want to invest pension money on Proplend. Helps discover whether SIPP or SSAS is more appropriate and which pension provider suits best.
• RICS (Royal Institution of Chartered Surveyors)coreStrategic or Co-development PartnerProplend joined the RICS Tech Partner Programme which works to develop and promote the use of technology in the real estate sector. It's a collaboration platform for innovative data and technology across the globe sharing thought leadership and market insight.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Assetz Capital: UK-based P2P lending platform with significant exposure to property-backed loans including commercial and development finance. Comparable marketplace lender serving UK retail and institutional investors.
• CapitalRise: UK-based FCA-regulated peer-to-peer platform specialising in high-end residential and commercial property development and bridging loans. Closest direct competitor to Proplend in the specialist UK CRE lending space.
• British Pearl: UK P2P platform offering residential property-backed investments with IFISA. Operates in an adjacent but overlapping property debt/income segment with similar target investor base.
• Kuflink: FCA-regulated UK peer-to-peer platform offering secured property-backed loans including bridging and development finance. Directly comparable to Proplend in target market and product offering.
• Crowdproperty: UK P2P platform focused on property development and bridging finance. Competes with Proplend for property-backed lending opportunities via a similar marketplace model.

Broad incumbents

• Octopus Choice: P2P investment platform from Octopus Group offering property-backed loans with IFISA wrapper. Comparable to Proplend in offering tax-efficient property debt exposure to UK investors, backed by a larger group.
• Funding Circle: Major UK-listed (formerly) P2P business lending platform. Operates a much broader SME lending franchise but shares the marketplace lending DNA and FCA regulatory environment with Proplend.
• LendInvest: One of the largest UK property finance platforms, offering bridging, development, and buy-to-let mortgages alongside an investment platform. A broader incumbent in the same UK property P2P/lending category as Proplend.
• Zopa: UK's first peer-to-peer lender, now a fully authorised bank. While focused on consumer and SME lending rather than CRE, Zopa shares P2P heritage and FCA-regulated marketplace model with Proplend.

Emerging players

• Plend: Emerging UK P2P platform offering property-backed loans with IFISA wrapper. Smaller and earlier-stage than Proplend but competing for a similar UK retail investor seeking income from secured property debt.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/proplend
• Facebookfacebook.com/proplend
• LinkedInlinkedin.com/company/proplend-limited

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Proplend