How it works
Average return of 13.82% per year on invested capital (since 2014)
Diversify your investment portfolio
Automate your investments with monthly deposits or make one-time-deposits
How investing in loans works
With SaveLend, you invest in peer-to-peer loans, meaning your investments finance the loans of individuals and companies. Your return on investment consists of the interest the borrowers pay for these loans.
We offer investment opportunities in a wide range of asset classes, from consumer loans, corporate loans, factoring, debt collection portfolios, and more. Choose whether you want to use our default investment settings or customize your own investment strategy; for example, if you only want to invest in a specific type of loan.
For each loan you invest in, you will receive payments to your SaveLend account as the borrower repays their loan. Loans on our platform get repaid in different ways; some borrowers repay their loans monthly, some pay interest on an ongoing basis with a lump sum amortization at the end, while others repay the entire loan when it matures.
When receiving your repayment, you can choose to either reinvest it automatically using SmartInvest or transfer it to your bank account. If you choose to reinvest your return, you will get compound interest, meaning that you earn interest on both your original investment and your earned return.
Who is involved in the process?
How does it work?
Before an originator can publish loans for investment on the platform, they are first vetted by our strict compliance team. This vetting process ensures that the originator not only has a thorough loan application process based on good lending practices, but that their historic loan portfolio and expected volumes are of high quality.
If the originator meets our strict requirements, they are approved and given the opportunity to publish loans on SaveLend's platform. This is where you, the investor, come into the picture.
From need to investment opportunity The process for peer-to-peer investments consists of these four steps:
We make money when you make money
You earn interest on the loans that you invest in. This interest can be reinvested into new loans, providing you with compound interest. You can also choose to deactivate SmartInvest and transfer your earnings to your bank account.
We charge a performance-based service fee corresponding to 10% of the interest you earn on your investments. This further strengthens our incentive to provide investment opportunities in loans where the borrower is able to repay the loans. This way, our business model means that when you make money - we make money!
How much should you invest?
Automate investments with SmartInvest
How do I deposit money?
To make your first deposit, create a SaveLend account.
Once you have an account, you can easily deposit money by either making a one-time deposit or investing monthly with automated deposits, where money will be transferred automatically from your bank account each month.
Can I withdraw my money?
You are always free to withdraw uninvested money from your SaveLend account to your bank account at any time.
You can also free up invested capital by using our secondary market to sell your investments to other investors for a fee - this enables you to transfer the money to your bank account. You can choose whether you want to reinvest the payments you receive or not by adjusting your SmartInvest settings