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Peer to Peer Product Guide

Select Invest; Select IF-ISA; Auto Invest; and IF-ISA Invest

How our platform works is all dependent on which product you choose.
 
We have 2 Products:

Select Invest - Allocate your funds across any secured loan of your choice*;
 
Select IF-ISA  - Allocate your funds across any secured loan of your choice with an ISA wrapper*;


Select Invest & Select IF-ISA

Our Select-Invest option means you manage your own portfolio of individual loans that are all secured on fixed charge (e.g. property) and/or floating charge. Each loan displays the lending case, the valuation reports, risk ratings, location, Loan to Values (LTV's), term of the loan (between 3 – 24 months), the interest rate you are expected to receive, and much more.
When investing, you can choose to have your interest compounded or paid to you on a monthly basis whilst the loan is in Reserve. Compound interest means it is not paid until maturity and any remaining capital and interest for loans which have passed the original maturity date will be retained and paid subject to the borrowers repayment.
Investments into Live deals will only have the option for compound interest.
Reserve Select Invest & Reserve Select IF-ISA

These are new loans that we have agreed for borrowers but have not yet completed (i.e. we have not paid out funds to the Borrowers), that we place onto the platform for investors to fund.

Whilst a loan is in a reserve status, it will offer a more favourable interest rate with the option of either monthly or compound interest. Once the deal goes live, the rates available for any new investments made will decrease with the option for compound interest only. All investments will start accruing interest from the date the investment deal goes live.  

See Reserve Deal Section in Investor Terms & Conditions 
 

Secondary Market
If you needed to exit your investment early, our Secondary Market is available for you to list your loan for sale, providing the loan meets our selling criteria. There is a 1% seller's fee payable when your investment has sold. If an investor buys your loan, you will then receive your capital and any interest due to you for that month.

Investments available within Live deals will only be offered compound interest at the standard rate going forward. This includes purchases made on the Secondary Market.

 


 
 
* Capital is at risk and Kuflink is not protected by the FSCS. Past returns should not be used as a guide to future performance. 

Updated 16 January 2026