How does Auto-Invest Product work?

As the Auto Pool investment product is now closed to new investment, all investors currently within the pool are directly linked to the underlying loans. Capital is repaid to investors as and when borrowers make repayments to Kuflink. Where a borrower makes a partial capital repayment, this amount is distributed proportionally across the pool to all investors, which is why you may see smaller, more frequent transactions being credited to your wallet. All returned funds are credited to investors’ wallets, where they will remain until the investor chooses to withdraw them or reinvest into a Select product. Kuflink will no longer automatically reinvest any funds returned from the Auto Pool. 

With Auto-Invest, your funds are automatically diversified across a portfolio of secured loans, including property-backed loans with 1st and 2nd Legal Charges, as well as SME Loans.

An SME Loan is a business loan for small and medium enterprises, often secured by a First Charge - Debenture or Second Charge - Debenture over company assets and/or director guarantees to support growth or working capital.

Interest rates vary depending on the term you wish to invest for and borrower performance.
You can view our live interest rates by heading to the Peer to Peer Lending section of our website.

The minimum initial investment amount is £500.00; thereafter, the minimum per investment made is £100.00.

This product works by allowing you to choose the investment term that suits you, then simply follow the steps via the 'Invest Now' button — we take care of the rest. Your funds will be diversified across a variety of opportunities currently available in the pool. On average, there are around 250 loans at any given time, helping to spread and manage your investment risk. Each additional investment you make will have its own fixed term.

With the 2 and 3 year term options, you can choose to have your interest paid annually or on maturity (compounded).

While this product doesn’t include a Secondary Market, the risk is reduced through diversification, and your investment remains locked in for the duration of the fixed term. Full repayment is subject to borrower performance.

We still provide you with full transparency on the types of loans your funds are diversified across — this information can be found on the Auto / Auto IF-ISA page next to the loan location map.