Join thousands of local lenders on Linked Finance. Earn high returns by lending to great local companies across the complete range of Irish business sectors.
Earn up to 17.5%, start with as little as €50! You receive monthly returns starting immediately. Re-invest these returns or take as cash.
With new loans added all the time and an easy-to-use Autobid tool, you can quickly build a diverse portfolio, lending to businesses from every sector of the Irish economy.
Help Irish businesses in your community grow, offer better products & services and employ more local people.
You can choose to re-invest these returns and earn compound rates of interest or take them as income whenever you require it.
New business loans appear on the site everyday, across every business sector; from retail, manufacturing and wholesale to services, education and healthcare etc
Linked Finance credit assess all the businesses and you pick the ones you like. All businesses have proven track records and we have the lowest default rate in the industry.
All your portfolio and account reports are available online and in real time at the click of a mouse. Dynamic performance summaries, charts and reports.
Many businesses you lend to will offer you exclusive special offers and discounts on their products and services
Too busy to check every business every day? Our AutoBid function can manage your lending for you by loan grades and term.
"Lending at Linked Finance is about helping Entrepreneurs by giving them the vital funding to build their businesses so we can all have a brighter future".
"Getting virtually no returns from the bank I was looking for something different to do with my savings. With Linked Finance I now get a decent return".
"Linked Finance allows me to support Irish businesses and at the same time get a better return on my savings. I believe this is the future of business banking".
Any person or company can be a lender on Linked Finance, but you must meet the following criteria:
a) If you are lending as an individual, you must:
b) If you are lending as a company, you must:
When lenders register on the site, we check their identity according to the highest industry standards. By doing so, we know exactly who is joining our network.
There is no cap on the total you can lend to businesses on Linked Finance. You can make bids from €50 to €5,000 on each loan request.
The interest rates available on Linked Finance range from 6% to 17.5% depending on the loan request.
On Linked Finance, you can lend to limited companies, sole traders and partnerships, who are looking for loans of between €5,000 and €300,000.
We review each potential borrower and we only allow businesses to borrow if they have successfully completed a full, rigorous credit evaluation process. We base this process on validating key up-to-date financial information and ensuring the creditworthiness of each borrower posted on the site.
First, register as a lender with Linked Finance. Second, transfer funds into your Linked Finance lender account. Once you have registered, you will be taken to My Account every time you log in.
There are two main ways you can lend on Linked Finance:
If your bid succeeds, money will be transferred from your Linked Finance lender account to the Linked Finance account of the borrower. When the loan is issued to the borrower, you will hold a loan contract. This entitles you to monthly repayments at the interest rate that accompanied the loan request.
There are two main ways you can choose businesses to lend to on Linked Finance:
The first repayment you get from a borrower will usually arrive within a month of you lending to them.
It is important to remember that with lending to businesses, there is an element of risk. Linked Finance carries out extensive checks so only creditworthy businesses can borrow on the site. To minimise the potential of risk we advise all lenders to spread their money across 20 or more businesses. By lending only a small proportion to each business loan, you reduce your exposure. This is a key factor in successful lending on Linked Finance.