Earn returns of up to 8%*
Start supporting Irish businesses with an investment as little as €50.
All prospective borrowers are fully assessed for creditworthiness by our experienced credit team before they are presented to investors.
As with all investments, P2P investing comes with an element of risk involved and we would recommend reading our FAQs before investing.
*Average gross returns over the twelve month period May 2023 to April 2024, indicative of performance before factoring in defaults.
WARNING: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Your investment is not covered by a deposit guarantee scheme or by an investor compensation scheme. Past performance is not a reliable guide to future performance.
Diversify your portfolio
Irish businesses are increasingly looking for faster, smarter ways to access capital and liquidity to keep growing.
Linked Finance offers a great way for investors to meet the needs of SMEs, by connecting those who want to invest money, with those businesses who need investment. It’s called Peer to Peer Investing, or P2P Investing for short.
The process of investing is simple and you remain in full control of when you invest and which businesses you support.
Join the thousands of other people who are already investing through peer-to-peer across Ireland.
Benefits of Peer-to-peer Investing
Regular Returns
Start investing with as little as €50! You receive monthly returns starting immediately. Re-invest these returns or take them as cash.
Easy to build Portfolio
With new loans added all the time and an easy-to-use AutoInvest tool, you can quickly build a diverse portfolio, investing in businesses from every sector of the Irish economy.
Support your Local Community
Help Irish businesses in your community grow, offer better products & services and employ more local people.
Reinvest
You can choose to re-invest these returns and earn compound rates of interest or take them as income whenever you require it.
Industry Diversification
New business loans appear on the site everyday, across every business sector; from retail, manufacturing and wholesale to services, education and healthcare etc
Manage Risk
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.
Reporting
Special Offers
Many businesses you lend to will offer you exclusive special offers and discounts on their products and services.
AutoBid
Too busy to check every business every day? Our AutoInvest function can manage your investments for you by loan grades and terms.
what our investors say about Peer to Peer investing
"On Linked Finance, I lend directly to local businesses at rates of between 6% and 16.0%. And the compounding effect means I'm making a very healthy return."
Michael Kane
Linked Finance Investor
"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".
Bobby Kerr
Linked Finance Investor, Entrepreneur and Media Broadcaster
"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".
Mary Flynn
Investor from Cashel Co. Tipperary
FAQs about peer to peer Investing
Any person or company can start P2P investing on Linked Finance, but you must meet the following criteria:
a) If you are investing as an individual, you must:
- be over 18 and a have valid passport or driving licence
- have a European Union bank account
b) If you are investing as a company, you must:
- be registered with a European Union Companies Registration Office or equivalent.
- have an European Union bank account
When investors 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 invest to businesses through the Linked Finance platform. You can invest from €50 to €5,000 on each loan request.
The interest rates available on Linked Finance range from 6.95% – 17.5% depending on the loan request.
On Linked Finance, you can invest in limited companies, sole traders and partnerships, who are looking for loans of between €10,000 and €500,000.
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 an investor with Linked Finance. Second, transfer funds into your Linked Finance investment account. Once you have registered, you will be taken to My Account every time you log in.
There are two main ways you can invest on Linked Finance:
- Invest quickly and easily using the AutoInvest tool (see questions 9, 10 and 11).
- Search our ‘Live Loans’ and choose the businesses to which you want to invest in by bidding on their loan requests.
If your investment succeeds, money will be transferred from your Linked Finance investment 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 invest in on Linked Finance:
- Search ‘Live Loans’ and choose the businesses you want to invest in by finding businesses you know or like, or sectors you have an interest in
- Invest quickly and easily using the AutoInvest tool (see questions 9, 10 and 11 in View All FAQs below).
The first repayment you get from a borrower will usually arrive within a month of you investing in them.
It is important to remember that with investing in 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 investors to spread their money across 20 or more businesses. By investing only a small proportion to each business loan, you reduce your exposure. This is a key factor in successful investing on Linked Finance.
