© Copyright Acquisition International 2025 - All Rights Reserved.

Article Image - The Possibilities of P2P Lending
Posted 1st July 2016

The Possibilities of P2P Lending

Saving Stream is a highly innovative peer to peer investment platform launched in 2013 by Lendy Ltd. Generally speaking, peer to peer lending allows investors to finance development projects and property purchases.

Mouse Scroll AnimationScroll to keep reading

Let us help promote your business to a wider following.

The Possibilities of P2P Lending
Image

The Possibilities of P2P Lending

Saving Stream is a highly innovative peer to peer investment platform launched in 2013 by Lendy Ltd. Generally speaking, peer to peer lending allows investors to finance development projects and property purchases. What Saving Stream ensures is that this process is fast, simple and secure, and delivers a fixed interest rate of 12% per year. All proposals are fully assessed before being made available for investment, with several levels of protection in place meaning you can invest your capital with complete peace of mind.

During this process, lending is secured with a legal charge, and loan amounts do not exceed 70% of the open market value. This means that in the event of a default there is sufficient equity to allow loan funds to be recouped with the sale of the security. A substantial provision fund is also maintained in case of shortfalls.

With regard to the borrowing side, when a borrower approaches our parent company, Lendy Ltd, they begin with a full and in-depth assessment of the project. During this process, professionally qualified chartered surveyors are instructed to value the property being used as security, and this ensures that any loan is a maximum of 70% of the open market value. If the borrower and security meet the criteria, the loan is secured with a legal charge for an average term of six months, and the borrower can repay the loan before the end date.

As for the investment aspect, potential investors can browse the Saving Stream portfolio and select ‘start investing’ when you see a project you wish to support with peer lending. It takes literally minutes to set up an account, add funds and confirm the amount you wish to invest. You begin earning interest of 12% per year immediately, with loans typically repaid after six months. Interest earned is paid into your account monthly and at the end of the term your initial investment and any outstanding interest is paid into your account for withdrawal or further project funding.

One of the many advantages of Saving Stream is that we do not have a maximum amount you can credit to your account, and the maximum amount of investment you could make to a project is 100% of the required loan. Likewise, there is no minimum investment amount, and funds that you credit to your account but are not committed to a project can be withdrawn at any time.

Alongside these advantages, we make every effort to minimise the risks for our investors and to ensure, where possible, that all investments are repaid in full and on time. To date, we have a 100% success rate with our repayments.

Furthermore, we feel that it is important to make you aware that your capital is at risk and interest payments are not guaranteed if a borrower defaults, however we feel confident that we have a thorough and robust system in place to protect all Saving Stream investors.

Unlike many other Peer to Peer lenders, we do not charge our investors any fees or commission on the interest you earn, so you keep 100% of your earnings, and there will also be no tax deducted from any amounts you receive. There are fees payable by borrowers to our parent company Lendy Ltd when a loan is made.

Since its launch by Lendy Ltd in 2013, Saving Stream has made its profit from the difference in interest rates charged to borrowers and paid to investors. All Saving Stream investors receive a fixed monthly interest amount of 1%, whereas Lendy Ltd charges interest at 1.5% per month on average. We feel this is a fair margin as the administration costs that are associated with sourcing new projects for investment, and ensuring all property is secured with a legal charge, are substantial.

Ultimately, our process of providing a safe and simple platform has resulted in a number of successful investments, and our numbers simply speak for themselves. As of the 6th of May 2016, we have £130,327,090 loaned with us, 8,006 investors and our investors have earned £7,460,769.

Company: Saving Stream
Web: savingstream.co.uk
Address: Branksmere House
Queens Crescent
Southsea, Portsmouth
PO5 3HT
Telephone: 0800 779 7706

Categories: Finance


You Might Also Like
Read Full PostRead - Eye Icon
How Can Digital Business Cards Affect The Business World?
Innovation
05/01/2023How Can Digital Business Cards Affect The Business World?

In the digital age, traditional business cards have taken a back seat to newer and more efficient methods of exchanging contact information. As businesses begin to explore digital options for their business cards, it's clear that these technological upgrades c

Read Full PostRead - Eye Icon
Thinking Outside the Box
Leadership
13/08/2019Thinking Outside the Box

Rosenbaum IP is an outcome oriented intellectual property firm, specializing in IP portfolio asset value building. We caught up with AI’s Leading Complex Intellectual Property Attorney of the Year, Illinois and Rosenbaum IP’s Chairman & CEO, David G. Rosen

Read Full PostRead - Eye Icon
5 Reasons You Should Start Investing Today
Finance
08/06/20235 Reasons You Should Start Investing Today

Investing has long been recognised as a powerful tool for building wealth and securing financial futures.  While it may seem intimidating at first, investing is not just reserved for the wealthy or finance professionals.

Read Full PostRead - Eye Icon
Early Easter Puts a Spring in Retailers’ Steps
Strategy
24/04/2015Early Easter Puts a Spring in Retailers’ Steps

David McCorquodale, UK head of retail comments on the benefits UK Retail saw during the early Easter.

Read Full PostRead - Eye Icon
Game Changers in a Universe of Solutions
Innovation
16/06/2023Game Changers in a Universe of Solutions

IOS Services Géoscientifiques (IOS) is a consulting group with a geological perspective, dedicated to servicing the mineral exploration industry in eastern Canada. It has been named Québec’s Best Geological Consultancy 2023, following which we have taken a

Read Full PostRead - Eye Icon
Lawrence Grant Chartered Accountants
Finance
03/06/2016Lawrence Grant Chartered Accountants

Lawrence Grant Chartered Accountants has been providing accountancy services and tax advice to 100’s of individuals, sole traders, corporate businesses and multi-national clients across Middlesex and the Greater London area since 1969.

Read Full PostRead - Eye Icon
What Do You Need to Know Before Starting a Business?
News
27/06/2023What Do You Need to Know Before Starting a Business?

The above question might be better phrased as "What don't you need to know to start a business?" There's an enormous amount to learn, and you have probably already taken in a lot of it, such as how to write a business plan, seek funding, or do marketing resear

Read Full PostRead - Eye Icon
What Is the Difference Between a Public Inquiry and a Criminal Investigation?
Legal
21/10/2024What Is the Difference Between a Public Inquiry and a Criminal Investigation?

Understanding the distinction between public inquiries and criminal investigations is essential for businesses, as each process serves a unique purpose and involves a different set of risks.

Read Full PostRead - Eye Icon
Top Four Dynamics 365 Products to Help You Elevate Customer Service
News
17/02/2025Top Four Dynamics 365 Products to Help You Elevate Customer Service

Delivering excellent customer service before and after a sale is essential for any business, regardless of its size, specifics, or market niche.



Our Trusted Brands

Acquisition International is a flagship brand of AI Global Media. AI Global Media is a B2B enterprise and are committed to creating engaging content allowing businesses to market their services to a larger global audience. We have 14 unique brands, each of which serves a specific industry or region. Each brand covers the latest news in its sector and publishes a digital magazine and newsletter which is read by a global audience.

Arrow