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FinTech Innovation & Peer-to-Peer Lending

Short-Term Microloans

Short-Term Microloans provide borrowers with fast, flexible access to small amounts of capital for immediate business or personal needs. Funded through transfer-backed lending, these loans typically run for brief duration and offer competitive, transparent interest rates.

How It Works

To apply, you must hold a current account, savings account, credit card or mortgage with us, be a UK resident, aged 18+ and earning at least £10K per year.

  • Smart Lending During Transfer Opt to lend your outgoing or incoming transfer before settlement and earn interest within a selected term.
  • Secure Borrower Matching Funds are matched with credit-scored and vetted borrowers through a structured P2P system.
  • Protected & Compliant Framework Risk management, liquidity reserves, and regulatory compliance ensure transfers are never delayed.
  • Flexible Earnings Control Choose your interest rate, loan duration, and decide whether earnings go to the sender or receiver.

Service Features

Experience a smarter way to transfer and grow money. Lend Your Transfer combines remittances, peer-to-peer lending, and structured risk management into one seamless platform.

Transfer-Based Lending

Turn outgoing or incoming transfers into short-term lending opportunities before settlement.

Flexible Interest & Terms

Choose your preferred interest rate, loan duration, and lending amount based on your financial goals.

Instant Borrower Matching

Our P2P marketplace matches your funds with vetted borrowers seeking short-term capital.

Liquidity Protection

Reserve liquidity ensures transfers are never delayed, even while funds are deployed for lending.

Risk & Credit Screening

Borrowers are credit-scored and evaluated to reduce default risk and protect participants.

Revenue & Fee Transparency

Clear platform fees and structured earnings allow users to understand exactly how they profit.

Online platform

Manage & Lend Transfers Anytime, Anywhere

Access Lend Your Transfer through our secure digital platform and take control of your money in real time. Initiate transfers, choose lending terms, track borrower matching, and monitor interest earnings — all from your mobile device. Whether you're sending or receiving funds, you can activate lending options instantly without delaying settlement.

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Frequently Asked Questions

Got a question about how we’re organised, applying to work for us, or looking for financial or shareholder information? View more Q&A here

Lend Your Transfer is an innovative financial model that transforms ordinary money transfers into income-generating opportunities. Instead of funds simply moving from sender to receiver, both parties can choose to lend the transfer amount through a secure peer-to-peer (P2P) lending marketplace before final settlement.

During a selected loan period, the funds earn interest from vetted borrowers. At the end of the term, the principal plus interest is credited to the receiver (or sender, depending on the agreement).

The process is simple and seamless:

  1. Transfer Initiation – A sender initiates a transfer through a participating payment provider.

  2. Lending Option – The platform prompts the sender or receiver to lend the funds before settlement.

  3. Borrower Matching – The P2P marketplace matches the offer with vetted borrowers requesting short-term loans.

  4. Repayment & Credit – Borrowers repay the principal plus interest. At maturity, the full amount (original transfer + earned interest) is credited to the receiver’s account.

The transfer itself is not disrupted — it simply becomes productive during the selected lending period.

Four main participants benefit from the platform:

  • Senders – Earn interest during the transfer window and may choose to gift the interest to the receiver.

  • Receivers – Generate income before funds arrive and participate in lending without upfront capital.

  • Borrowers – Access short-term microloans from a new liquidity pool.

  • The Platform – Facilitates matching, manages risk, and ensures smooth settlement.

Risk management is built into the model through:

  • Borrower credit scoring and vetting

  • Diversification across multiple loans

  • Insurance pools and collateral where applicable

  • Reserve liquidity to ensure transfers are not delayed

  • Regulatory compliance through payment and microfinance licensing

  • Employer-based deduction systems to reduce loan defaults

These safeguards are designed to protect both senders and receivers.

The platform generates revenue through:

  • A small percentage (1–3%) of the interest earned

  • Service fees charged to borrowers

  • Premium features such as higher matching priority, term insurance, and instant payouts

This ensures sustainability while keeping the model attractive to participants.

Yes. Lend Your Transfer supports both:

  • International transfers (e.g., US to Malawi)

  • Domestic transfers within the same country

In both cases, the transfer amount can be lent out for a selected term at an agreed annualized interest rate. When the loan is repaid, the receiver receives more than the original transfer amount.

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