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LendInvest Review

LendInvest is a UK property finance platform founded in 2013 and listed on the AIM market of the London Stock Exchange since 2021. Originally launched as a peer-to-peer bridging lender, LendInvest has evolved into a technology-driven specialist mortgage lender offering bridging loans, development finance, and buy-to-let mortgages. The company uses proprietary technology to accelerate underwriting and provide faster decisions than traditional property lenders, while maintaining experienced human oversight for complex cases. LendInvest has funded over £5 billion of property loans across the UK.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£75k – £15M

Rates

0.54% – 1.2%

per month (bridging); development finance from 7% per annum

Speed

Credit decision within 24–48 hours; legal completion 2–4 weeks

Trustpilot

4.4/5

850 reviews

What is LendInvest?

LendInvest (LendInvest Limited) is a UK-based business finance provider founded in 2013 and headquartered in London. LendInvest is a UK property finance platform founded in 2013 and listed on the AIM market of the London Stock Exchange since 2021. Originally launched as a peer-to-peer bridging lender, LendInvest has evolved into a technology-driven specialist mortgage lender offering bridging loans, development finance, and buy-to-let mortgages. The company uses proprietary technology to accelerate underwriting and provide faster decisions than traditional property lenders, while maintaining experienced human oversight for complex cases. LendInvest has funded over £5 billion of property loans across the UK. They have lent £5 billion+ to date, helping 10,000+ UK businesses.

Founded 2013 London LendInvest Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number 735360. LendInvest is also registered with the FCA as a crowdfunding platform.

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Products offered

Bridging Loans Development Finance Commercial Mortgages

Rates and costs

Rate range
0.54% – 1.2% (per month (bridging); development finance from 7% per annum)
Representative APR
11.1% APR representative (bridging)
Amount range
£75,000 – £15,000,000
Approval speed
Credit decision within 24–48 hours; legal completion 2–4 weeks

Representative example

Borrow £500,000 over 12 months. Total repayable: £564,000. Cost of credit: £64,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
None required for property-backed lending
Minimum turnover
None — lending is property and project backed
Credit requirements
Moderate adverse credit considered on property-backed products. Experienced borrowers preferred for development finance. Creditworthiness assessed alongside the property security and exit strategy.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including LendInvest

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Technology-driven platform with faster decisions than traditional property lenders
  • AIM-listed — transparent, publicly accountable company
  • Competitive bridging rates from 0.54% per month for low-LTV cases
  • Strong development finance product for residential and mixed-use projects
  • Experienced property specialists across the credit and underwriting team

Cons

  • Minimum loan of £75,000 excludes smaller property transactions
  • Development finance requires demonstrable developer experience
  • Less flexible on complex adverse credit than some specialist bridging lenders
  • Arrangement fees and exit fees can add meaningfully to total cost

Is LendInvest right for you?

Best for

Property developers, professional landlords, and investors needing tech-driven bridging or development finance for residential and mixed-use UK property projects with clear exit strategies

Not ideal for

First-time developers, borrowers with severe adverse credit, those needing loans under £75,000, or businesses seeking unsecured working capital

LendInvest alternatives

If LendInvest isn't the right fit, consider these alternatives:

Together Shawbrook Bank West One Loans CrowdProperty

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Frequently asked questions about LendInvest

Is LendInvest legit?
Yes, LendInvest is a legitimate and FCA-authorised property finance lender (FCA reference 735360) founded in 2013 and listed on the London Stock Exchange's AIM market since 2021. The company has funded over £5 billion in UK property loans and is one of the most established technology-driven property lenders in the UK. AIM listing means LendInvest is subject to ongoing public disclosure requirements, adding an extra layer of transparency and accountability.
What are LendInvest bridging loan rates?
LendInvest bridging rates start from around 0.54% per month for low-LTV, straightforward cases and typically reach 1.2% per month for higher-risk or more complex transactions. Arrangement fees of around 1.5% to 2% and exit fees may also apply. Development finance is priced from approximately 7% per annum. All rates are individually assessed based on the property, LTV, exit strategy, and borrower profile.
Can I get a LendInvest loan with bad credit?
LendInvest will consider moderate adverse credit on property-backed bridging and development finance, particularly when the LTV is low and the exit strategy is clear. However, it is not a specialist adverse credit lender and severe or recent credit issues may result in decline. The strength of the property security and the quality of the exit strategy are the primary underwriting factors. For more adverse credit profiles, lenders such as Together Money may be more appropriate.
How much can I borrow from LendInvest?
LendInvest provides bridging loans and development finance from £75,000 up to £15 million for individual transactions. Loan-to-value ratios on bridging typically run up to 75% of the property's open market value. Development finance is structured against the gross development value (GDV) and build costs, typically up to 70% of GDV. Portfolio and repeat clients may access larger facilities.
Is LendInvest FCA regulated?
Yes, LendInvest Limited is authorised and regulated by the Financial Conduct Authority under FCA reference number 735360. As an AIM-listed company, LendInvest is also subject to the Listing Rules of the London Stock Exchange, providing additional regulatory oversight. You can verify LendInvest's FCA status at register.fca.org.uk.
How long does LendInvest take to approve a loan?
LendInvest's technology platform enables credit decisions within 24 to 48 hours of receiving complete information on the deal. Formal credit approval is followed by legal completion, which typically takes 2 to 4 weeks depending on solicitor turnaround and valuation. LendInvest is generally faster than traditional bank lenders but may not match the absolute quickest specialist bridging lenders on simple transactions.
Can I repay a LendInvest loan early?
LendInvest bridging loans typically include a minimum interest period of between 1 and 3 months, after which early repayment is permitted. Exit fees may apply on some products. Development finance facilities are typically repaid from the sale or refinance of the completed development. Always review your specific facility agreement and request a settlement figure from LendInvest before making any early repayment.
LendInvest vs Shawbrook Bank — which is better for property finance?
LendInvest and Shawbrook are both respected specialist property finance lenders but suit slightly different needs. LendInvest's technology platform tends to provide faster decisions and is particularly strong on development finance for experienced developers. Shawbrook, as a full bank, offers a broader range of products including business loans and may offer more competitive rates on commercial mortgages for lower-LTV cases. Both are excellent choices for complex property finance — running both through Lendus's comparison will surface the best available terms for your specific project.

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