What is BLEND?

BLEND is a property lending platform that lends to established businesses (mostly property developers) with loans secured against property. BLEND's ‘loan-based crowdfunding' platform was founded by a team of professionals with substantial experience in real estate and finance.

What are the risks of investing on BLEND's platform?

All loan-based crowdfunding involves an element of risk. Past performance or the track record of any business listed on BLEND, including those with good cash flow and a healthy balance sheet, may not be a reliable indicator of performance in the future. Although BLEND tries to minimise the risk of loss through the taking of collateral, lending to a business on BLEND could lead to a loss of your capital as a lender if they default. Therefore, you should not lend more money than you can afford to lose.

Will we ever request your security details?

Will we ever request your security details?

• Remember that we will never ask for your password or login details. If you receive any request for this information, kindly report it to us at [email protected]

• Ensure you do not use a password that can be easily guessed and never use the same password for multiple websites, for which you are registered to use.

• Be minimalist with the amount of personal information you share about yourself online, to help reduce your risk of identity theft and fraud.

• Always update your computer, tablet and smartphone’s operating system and web browser software. We recommend you use anti-virus software to protect your devices.

Do you offer services to vulnerable customers?

Customer vulnerability is defined as any personal, social or other factor(s) that may impact your ability to exercise informed decision making, rendering you vulnerable to suggestion and/or impacting your confidence to lend or borrow.

Below we have outlined a broad range of vulnerable circumstances and situations including, but not limited to:

  • Illness/Sickness – This could be due to a short-term condition or something of a longer-term nature such as recuperating from medical conditions.

  • Age – Our ever-aging population means that elderly people are increasingly more inclined to invest for their future. However, with age also comes certain age-related conditions which may impact your ability to invest confidently and appropriately.

  • Physical Disability – The broad nature of disability encompasses a number of forms including but not limited to: deafness, blindness, and the restriction of limb use or mobility. All of which are factors which may impact your ability to lend or borrow through BLEND Network.

  • Bereavement – Loss of a partner, relative or close friend may temporarily render you susceptible or vulnerable, something which may impact rational decision making.

  • Mental Capacity – This applies to customers who may suffer from any form of mental incapacity, which again may impact your ability to lend or borrow.

We cater to vulnerable customers. If you feel one of the above might be applicable, you can contact us ([email protected]) or call and a member of the team will be able to assist you with your investment journey.

How can I get my money back if my circumstances change?

Lenders who wish to liquidate their loans can sell their loan parts on the secondary market. Note that finding a buyer on the secondary market may take time and there is always a risk of no one buying your loan part. Please visit the Secondary Market tab in your Lender Dashboard for more information.

Why do I see "Secondary market available soon" on 'My Loans' tab?

You can start selling a loan in multiples of £1,000 on the secondary market once the funds have been released to the borrower.

Is the secondary market free?

The only fee you might pay as a lender is our secondary market fee which amounts to 0.60% (or £6 for every £1,000 of capital) on capital outstanding. We'll only charge this upon the successful resale of the loan portion you have listed in the secondary market.

The secondary market is free for buyers.

Can I sell my loan at a premium or discount?

In accordance with industry regulation, sellers are not permitted to select their own price they sell their loan part for. Instead, sellers can sell their loan part at par value which is calculated by the platform automatically. This is to ensure all secondary market buyers are purchasing loans for a fair and appropriate price.

Par value is calculated dependant on the type of loan repayment method offered on the loan in question.

  • Example of Par Value calculation for a rolled-up interest loan repayment

A loan part of £1,000 sold on the secondary market after 12 months of accrued rolled up interest, where the interest on the loan is 10% per annum.

The platform will calculate 12 months of rolled and compounded interest at 10% which is £104.71, added to the capital investment to give a par value of £1,104.71.

The seller will receive £1,104.71 minus the £6 fee for a net amount of £1,098.71.

The buyer will pay £1,104.71 (no fees to the buyer).

  • Example of Par Value calculation for an interest only loan repayment

A loan part of £1,000 sold on the secondary market after 12 months where the interest has been paid monthly, where the interest is 10% per annum.

The platform will calculate a par value of £1,000 as all interest due has already been paid.

The seller will receive £1,000 minus the £6 fee for a net amount of £994.00

The buyer will pay £1,000 (no fees to the buyer).

Why can a loan offered on the secondary market, only be accessed 24 hours after it gets listed?

This is to give all lenders time to review the loan details and decide if they are interested or not. Blend reviews and performs a revaluation of the loan during this period to determine that the price to be offered is fair and appropriate, and that potential buyers are given some time to view available information on the loan offering prior to it being allowed to go live.

What happens if I sell a Rolled-up loan on the secondary market?

In the case of a roll up, interest is being accrued but not paid until the final repayment date. Where a lender decides to sell a rolled-up loan on the secondary market and finds a buyer, the lender having not yet received any interest, will look to sell for their initial loan amount plus the accrued interest to date. The par value will be calculated for the lender automatically by the platform and will include any accrued rolled up interest to date.

Why is the secondary market facility not available for my loan?

Where an event that has taken place regarding the loan (non-performing like a miss payment, close to repay, partial early repayment, etc...) the platform can decide at its own discretion not to allow that loan to trade on the secondary market. This is to avoid any asymmetric information between a seller and a prospective buyer. This is also to make sure loans are trading at a fair and appropriate price on the secondary market.

I had a loan part listed on the Secondary market. Why did it get delisted?

The loan part you were offering could have come to the end of the offer period you had set up.

It could also have been de-listed because the secondary market is not available anymore for that loan (please see the explanation of availability of a loan on the secondary market in the FAQs).

What is Autolend?

Autolend is a feature of the Blend Network platform that allows you to make automatic investments according to the criteria that you select, such as interest rate and loan maturity.  This feature allows you to choose a fixed amount to lend, allowing you to spread your money across multiple loans.

You can activate Autolend by:

  1. Logging in to your account using your login credentials.

  2. You will be taken to your Dashboard, and from here, click on Autolend and enter the amount you wish to lend per loan, in multiples of £1,000.

  3. Click on ‘Turn ON’ where you will then be prompted to enter your password.  This is the same as your login password.

  4. Autolend will automatically lend on the next available loan .).

  5. This feature is free.

Autolenders are all placed in a queue. The Autolend queue works on a first come first served basis. If a Loan is oversubscribed, priority will be given to lenders who first switched on Autolend.

You can deactivate Autolend at any time. If you switch Autolend OFF you will be removed from the queue.

Your Autolend will switch OFF automatically if your account balance falls below your Autolend amount. 

If you switch Autolend back ON, you will re-join at the foot of the queue.

To read more, please read our Blog article here.


If you input an amount of £2,000 on AutoLend, AutoLend will first check the new loan listed matches your selected criteria before lending. If the loan matches your criteria, AutoLend will lend £2,000 when a new loan is available on the platform. If there was a loan listed on the platform before you activated Autolend, it will not lend on that loan.

When will Autolend lend for me?

When you switch on Autolend, it will lend automatically according to your criteria. Autolend can be switched on at any time but be aware that if a new loan has already listed before you switch Autolend on, Autolend will not lend on this loan, but on the next available loan.

What happens if the loan is oversubscribed?

Autolenders are ranked in a queue which works on a ‘first come, first served basis’. Lenders who have had Autolend switched on for the longest time will therefore lend first. All manual lenders will be ranked behind Autolenders. If a loan is over-subscribed, then Autolenders will fill all of the loan.

Are my loan repayments being reinvested through AutoLend?

Once you have received an instalment from a loan, the money will be credited to your available cash balance. Where the cash available is above the amount you have recorded for AutoLend, then AutoLend will automatically lend to the next available loan.

Once I have switched on AutoLend for the first time how long will it be before I lend on my first loan?

This is determined by two key factors. These are: (1) the value of the loans we list; (2) how many people are ahead of you in the AutoLend queue; and (3) the amount those ahead in the queue are looking to invest on the platform. As AutoLend works on a first come first served queue, each time a loan is fully subscribed, it is likely that you will move up the AutoLend queue. It is worth highlighting that the amount in the AutoLend queue changes regularly as our lenders change their AutoLend criteria.

Should I Autolend on loans with higher interest rates?

Loans with higher interest rates can look more attractive. Be aware that we price the risk before we list on the platform. That means usually loans with high interest rates are usually higher risk than loans with lower interest rates.

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