LendInvest

LendInvest funds originations through a combination of committed warehouse lines from global banks, portfolio securitisations on the public markets, and its own balance-sheet capital. It has maintained warehouse facilities with institutions including J.P. Morgan, HSBC, and Lloyds. The firm periodically refinances these pools by issuing residential mortgage-backed securities, typically arranged by investment banks like Citigroup, which transfers the credit exposure to institutional bond investors.

LendInvest originates almost exclusively through a network of professional mortgage brokers rather than lending directly to consumers. Its borrowers are typically professional landlords, property developers, and real estate investors seeking short-term bridge finance or buy-to-let mortgages. The broker-intermediated model allows the firm to scale origination without the high customer-acquisition costs of a direct-to-consumer lending brand.

CEO Rod Lockhart oversees the firm's overall strategy, with capital-markets and treasury teams managing warehouse negotiations and securitisation execution. The company has not publicly designated a single CIO. LendInvest Capital, the institutional funds arm, manages separate accounts for external institutional asset owners, with investment decisions made by a dedicated fund-management team within the regulated entity.

No. LendInvest is a publicly listed alternative asset manager that funds its own balance sheet, not a marketplace matching individual lenders to borrowers. It originates and retains loans in its own vehicles before securitising or selling them to institutional investors. The firm discontinued its retail investment product in recent years and now focuses solely on institutional funding.

LendInvest sources and underwrites its own loans exclusively rather than co-investing alongside external general partners. Securitisation investors participate via publicly priced bonds, not side-by-side co-investment structures. The firm operates as a principal lender, not a fund-of-funds or co-investment platform.

The firm targets the origination stage of real estate lending — it creates loans rather than buying them in the secondary market. Its product range covers short-term bridge loans, development exit finance, and longer-tenor buy-to-let mortgages. It does not invest in real estate equity or acquire property assets directly.

LendInvest does not lend to owner-occupiers for residential home purchases and does not operate in the consumer-credit or unsecured-lending markets. The firm has also avoided commercial real estate outside the UK. It does not participate in development finance for ground-up construction, focusing instead on completed or near-completed residential assets.