Kuflink

Kuflink began in 2011 as Alpha Bridging Solutions, focusing on issuing bridge loans. In 2017, they officially launched the Kuflink peer-to-peer lending platform in England and Wales, offering short-term loans backed by UK property. Kuflink holds a consumer credit license from the UK's Financial Conduct Authority (FCA). Since its inception, the platform has attracted over £374 million investments, and £82 million in the past year, maintaining an average monthly volume of over £6.8 million.^[1]

• Kuflink offers investors secured UK property loans starting at £1,000 at interest rates ranging from 7% to 9.8%.
• Loan durations range from 1 to 3 years, with monthly payments or the option for annual compounded interest.
• Kuflink co-invests up to 5% in every deal alongside lenders.
• The platform reports 8.45% of loans delayed and a 16% default rate.

Kuflink provides secured loans backed by UK property. Investors can choose between live and reserve deals. Reserve deals are upcoming loans that have yet to be completed or distributed to borrowers. Investors earn cashback on reserve deals when they go live, equal to the interest accrued from initial funding to the deal’s activation.

Kuflink offers four investment products, each requiring a minimum investment of £1,000.^[2]

• Select-Invest: Investors can select and invest in secured loans.
• Auto-Invest: Automatically diversify across multiple loans.
• Select IF-ISA: Combine Select-Invest with tax-free Finance ISA benefits, allowing up to £20,000 annually or ISA transfers.
• Auto IF-ISA: Merge Auto-Invest’s diversification with Finance ISA’s tax-free benefits, supporting up to £20,000 annually or ISA transfers.

SIPP account holders can invest pension funds in SIPP-eligible, UK property-secured loans and earn tax-free returns through Kuflink’s partnership with the regulated provider Morgan Lloyd.^[3]

Loan durations range from 1 to 3 years. For 1-year loans, investments are structured as bullet loans, where principal and interest are accrued daily and compounded annually, with both principal and interest paid at the end of the term. For loans longer than 1 year, interest is either compounded annually and paid at the end of the term, or paid annually into the investor’s wallet if the investor opts for this option.^[4]

The platform does not have a provision fund for default risk but secured loans against UK property with 1st and 2nd legal charges. Kuflink co-invests up to 5% in each deal alongside lenders.^[5] It offers a secondary market for early exits and an auto-invest feature for managing new investments. Kuflink also provides a mobile app available on the Apple App Store and Google Play.

Kuflink claims to offer the following investment returns:

• Auto: With the Auto feature, loans offer annual interest rates ranging from 7% to 9.13%.
• Select: With the Select product, loans offer annual interest rates of up to 9.8%.

Since its launch, the platform has originated 805 loans and repaid a total of £255.58 million. Kuflink currently distributes an average monthly interest rate of 1.1% to investors on its active loan book.^[6]

The platform reports that 8.45% of its loans face repayment delays, while 16% are classified as defaulted under the FCA definition (contractual payments overdue by more than six months). This marks an increase compared to 2022, when no defaults were reported, and 2023, when 8.77% of loans were defaulted.^[7]

Withdrawal of non-invested funds may incur a charge of £5 or 1% to lenders. Charges are also applied if investors choose to liquidate an investment before the loan expires, with a minimum fee of 2% of the amount or £500, whichever is higher. The platform also collects a 1% fee on the loan part value for secondary market transactions. Kuflink generally generates revenue by imposing expenses and fees on borrowers, which are deducted from the monthly payments made by borrowers as outlined in the Key Contract Terms.^[8]

Kuflink was founded by the Binning Family in Kent, UK. The founders, Harwinder Singh and Rawinder Binning, now serve as Kuflink's Chief Compliance Officers. With extensive experience in property development, they have worked on various projects in the UK, ranging from residential to commercial developments.

Narinder Khattoare has been the Chief Executive Officer of the company since November 2017. His previous experience includes roles at Prudential, Towergate, and Borro, where he served as the head of business development. The management team includes Nattalie Weeks, Head of Portfolio, with over 30 years of experience in the financial sector, including roles at RBS/Natwest Group in wealth management and as an operations manager at CBD Risk London. She has been with Kuflink since 2017. Hiran Patel, the Chief Risk Officer, brings experience from financial firms such as Countrywide, Loans 2 Go, and Equifinance. Natalie Moreno, Head of Marketing, has more than 20 years of experience in marketing for financial institutions, specializing in both B2B and consumer marketing.

The Kuflink investment platform operates as Kuflink Ltd and is part of the Kuflink Group PLC, headquartered in London, UK. The parent company also oversees Kuflink Bridging Ltd, the authorized entity for credit broking, debt administration, and collection.

Kuflink’s annual report, audited by MHA Macintyre Hudson, highlights consistent profitability since August 2021. The Group posted a profit after tax of £462,555 in FY21, £729,122 in FY22, and more than doubled this figure in FY23 to £1.88 million, reflecting a 101.72% CAGR in earnings growth.^[9]

In July 2023, Kuflink secured a £35 million debt facility from Paragon Bank through European Risk Capital. This three-year commitment, subject to potential increases and renewed annually, is designed to provide accessible capital for the platform's growth. The agreement underscores Kuflink’s strong loan portfolio and underwriting criteria. Notably, Kuflink has not encountered any investor losses since its launch. The platform aims to expand its loan book to £500 million.^[10]

Kuflink has earned multiple accolades, including the UK Bridging Lender of the Year (Sub £1bn) at the Alternative Credit Awards 2024. In 2023, the platform won the P2P Awards for Property Lender of the Year and Residential Property Lender of the Year.^[11]

1. P2PMarketData: “Kuflink Statistics”
2. Kuflink: “FAQ - Is there a minimum or maximum that I am allowed to invest in a Kuflink Select Invest Deal?”
3. Kuflink: “Blog - Kuflink’s new features for july 2022 - Released! A NEW SIPP Pool Product”
4. Kuflink: “FAQ - We pay interest annually on the anniversary of your investment, directly into your wallet.”
5. Kuflink: “FAQ: How does Select-Invest Product work?”
6. Kuflink: “Statistics - Cumulative Lending Track Record”
7. Kuflink: “Statistics - Default Rate by Category”
8. Kuflink: “Fees and Charges”
9. Kuflink: “Fees and Charges”
10. Mortgage Solutions Magazine: “Kuflink enters £35m institutional debt funding agreement with Paragon Bank”
11.  Kuflink: “Homepage - Award Winning”

Kuflink began in 2011 as Alpha Bridging Solutions, focusing on issuing bridge loans. In 2017, they officially launched the Kuflink peer-to-peer lending platform in England and Wales, offering short-term loans backed by UK property. Kuflink holds a consumer credit license from the UK's Financial Conduct Authority (FCA). Since its inception, the platform has attracted over £374 million investments, and £82 million in the past year, maintaining an average monthly volume of over £6.8 million.^[1]

• Kuflink offers investors secured UK property loans starting at £1,000 at interest rates ranging from 7% to 9.8%.
• Loan durations range from 1 to 3 years, with monthly payments or the option for annual compounded interest.
• Kuflink co-invests up to 5% in every deal alongside lenders.
• The platform reports 8.45% of loans delayed and a 16% default rate.

Kuflink provides secured loans backed by UK property. Investors can choose between live and reserve deals. Reserve deals are upcoming loans that have yet to be completed or distributed to borrowers. Investors earn cashback on reserve deals when they go live, equal to the interest accrued from initial funding to the deal’s activation.

Kuflink offers four investment products, each requiring a minimum investment of £1,000.^[2]

• Select-Invest: Investors can select and invest in secured loans.
• Auto-Invest: Automatically diversify across multiple loans.
• Select IF-ISA: Combine Select-Invest with tax-free Finance ISA benefits, allowing up to £20,000 annually or ISA transfers.
• Auto IF-ISA: Merge Auto-Invest’s diversification with Finance ISA’s tax-free benefits, supporting up to £20,000 annually or ISA transfers.

SIPP account holders can invest pension funds in SIPP-eligible, UK property-secured loans and earn tax-free returns through Kuflink’s partnership with the regulated provider Morgan Lloyd.^[3]

Loan durations range from 1 to 3 years. For 1-year loans, investments are structured as bullet loans, where principal and interest are accrued daily and compounded annually, with both principal and interest paid at the end of the term. For loans longer than 1 year, interest is either compounded annually and paid at the end of the term, or paid annually into the investor’s wallet if the investor opts for this option.^[4]

The platform does not have a provision fund for default risk but secured loans against UK property with 1st and 2nd legal charges. Kuflink co-invests up to 5% in each deal alongside lenders.^[5] It offers a secondary market for early exits and an auto-invest feature for managing new investments. Kuflink also provides a mobile app available on the Apple App Store and Google Play.

Kuflink claims to offer the following investment returns:

• Auto: With the Auto feature, loans offer annual interest rates ranging from 7% to 9.13%.
• Select: With the Select product, loans offer annual interest rates of up to 9.8%.

Since its launch, the platform has originated 805 loans and repaid a total of £255.58 million. Kuflink currently distributes an average monthly interest rate of 1.1% to investors on its active loan book.^[6]

The platform reports that 8.45% of its loans face repayment delays, while 16% are classified as defaulted under the FCA definition (contractual payments overdue by more than six months). This marks an increase compared to 2022, when no defaults were reported, and 2023, when 8.77% of loans were defaulted.^[7]

Withdrawal of non-invested funds may incur a charge of £5 or 1% to lenders. Charges are also applied if investors choose to liquidate an investment before the loan expires, with a minimum fee of 2% of the amount or £500, whichever is higher. The platform also collects a 1% fee on the loan part value for secondary market transactions. Kuflink generally generates revenue by imposing expenses and fees on borrowers, which are deducted from the monthly payments made by borrowers as outlined in the Key Contract Terms.^[8]

Kuflink was founded by the Binning Family in Kent, UK. The founders, Harwinder Singh and Rawinder Binning, now serve as Kuflink's Chief Compliance Officers. With extensive experience in property development, they have worked on various projects in the UK, ranging from residential to commercial developments.

Narinder Khattoare has been the Chief Executive Officer of the company since November 2017. His previous experience includes roles at Prudential, Towergate, and Borro, where he served as the head of business development. The management team includes Nattalie Weeks, Head of Portfolio, with over 30 years of experience in the financial sector, including roles at RBS/Natwest Group in wealth management and as an operations manager at CBD Risk London. She has been with Kuflink since 2017. Hiran Patel, the Chief Risk Officer, brings experience from financial firms such as Countrywide, Loans 2 Go, and Equifinance. Natalie Moreno, Head of Marketing, has more than 20 years of experience in marketing for financial institutions, specializing in both B2B and consumer marketing.

The Kuflink investment platform operates as Kuflink Ltd and is part of the Kuflink Group PLC, headquartered in London, UK. The parent company also oversees Kuflink Bridging Ltd, the authorized entity for credit broking, debt administration, and collection.

Kuflink’s annual report, audited by MHA Macintyre Hudson, highlights consistent profitability since August 2021. The Group posted a profit after tax of £462,555 in FY21, £729,122 in FY22, and more than doubled this figure in FY23 to £1.88 million, reflecting a 101.72% CAGR in earnings growth.^[9]

In July 2023, Kuflink secured a £35 million debt facility from Paragon Bank through European Risk Capital. This three-year commitment, subject to potential increases and renewed annually, is designed to provide accessible capital for the platform's growth. The agreement underscores Kuflink’s strong loan portfolio and underwriting criteria. Notably, Kuflink has not encountered any investor losses since its launch. The platform aims to expand its loan book to £500 million.^[10]

Kuflink has earned multiple accolades, including the UK Bridging Lender of the Year (Sub £1bn) at the Alternative Credit Awards 2024. In 2023, the platform won the P2P Awards for Property Lender of the Year and Residential Property Lender of the Year.^[11]

1. P2PMarketData: “Kuflink Statistics”
2. Kuflink: “FAQ - Is there a minimum or maximum that I am allowed to invest in a Kuflink Select Invest Deal?”
3. Kuflink: “Blog - Kuflink’s new features for july 2022 - Released! A NEW SIPP Pool Product”
4. Kuflink: “FAQ - We pay interest annually on the anniversary of your investment, directly into your wallet.”
5. Kuflink: “FAQ: How does Select-Invest Product work?”
6. Kuflink: “Statistics - Cumulative Lending Track Record”
7. Kuflink: “Statistics - Default Rate by Category”
8. Kuflink: “Fees and Charges”
9. Kuflink: “Fees and Charges”
10. Mortgage Solutions Magazine: “Kuflink enters £35m institutional debt funding agreement with Paragon Bank”
11.  Kuflink: “Homepage - Award Winning”

Kuflink began in 2011 as Alpha Bridging Solutions, focusing on issuing bridge loans. In 2017, they officially launched the Kuflink peer-to-peer lending platform in England and Wales, offering short-term loans backed by UK property. Kuflink holds a consumer credit license from the UK's Financial Conduct Authority (FCA). Since its inception, the platform has attracted over £374 million investments, and £82 million in the past year, maintaining an average monthly volume of over £6.8 million.^[1]

• Kuflink offers investors secured UK property loans starting at £1,000 at interest rates ranging from 7% to 9.8%.
• Loan durations range from 1 to 3 years, with monthly payments or the option for annual compounded interest.
• Kuflink co-invests up to 5% in every deal alongside lenders.
• The platform reports 8.45% of loans delayed and a 16% default rate.

Kuflink provides secured loans backed by UK property. Investors can choose between live and reserve deals. Reserve deals are upcoming loans that have yet to be completed or distributed to borrowers. Investors earn cashback on reserve deals when they go live, equal to the interest accrued from initial funding to the deal’s activation.

Kuflink offers four investment products, each requiring a minimum investment of £1,000.^[2]

• Select-Invest: Investors can select and invest in secured loans.
• Auto-Invest: Automatically diversify across multiple loans.
• Select IF-ISA: Combine Select-Invest with tax-free Finance ISA benefits, allowing up to £20,000 annually or ISA transfers.
• Auto IF-ISA: Merge Auto-Invest’s diversification with Finance ISA’s tax-free benefits, supporting up to £20,000 annually or ISA transfers.

SIPP account holders can invest pension funds in SIPP-eligible, UK property-secured loans and earn tax-free returns through Kuflink’s partnership with the regulated provider Morgan Lloyd.^[3]

Loan durations range from 1 to 3 years. For 1-year loans, investments are structured as bullet loans, where principal and interest are accrued daily and compounded annually, with both principal and interest paid at the end of the term. For loans longer than 1 year, interest is either compounded annually and paid at the end of the term, or paid annually into the investor’s wallet if the investor opts for this option.^[4]

The platform does not have a provision fund for default risk but secured loans against UK property with 1st and 2nd legal charges. Kuflink co-invests up to 5% in each deal alongside lenders.^[5] It offers a secondary market for early exits and an auto-invest feature for managing new investments. Kuflink also provides a mobile app available on the Apple App Store and Google Play.

Kuflink claims to offer the following investment returns:

• Auto: With the Auto feature, loans offer annual interest rates ranging from 7% to 9.13%.
• Select: With the Select product, loans offer annual interest rates of up to 9.8%.

Since its launch, the platform has originated 805 loans and repaid a total of £255.58 million. Kuflink currently distributes an average monthly interest rate of 1.1% to investors on its active loan book.^[6]

The platform reports that 8.45% of its loans face repayment delays, while 16% are classified as defaulted under the FCA definition (contractual payments overdue by more than six months). This marks an increase compared to 2022, when no defaults were reported, and 2023, when 8.77% of loans were defaulted.^[7]

Withdrawal of non-invested funds may incur a charge of £5 or 1% to lenders. Charges are also applied if investors choose to liquidate an investment before the loan expires, with a minimum fee of 2% of the amount or £500, whichever is higher. The platform also collects a 1% fee on the loan part value for secondary market transactions. Kuflink generally generates revenue by imposing expenses and fees on borrowers, which are deducted from the monthly payments made by borrowers as outlined in the Key Contract Terms.^[8]

Kuflink was founded by the Binning Family in Kent, UK. The founders, Harwinder Singh and Rawinder Binning, now serve as Kuflink's Chief Compliance Officers. With extensive experience in property development, they have worked on various projects in the UK, ranging from residential to commercial developments.

Narinder Khattoare has been the Chief Executive Officer of the company since November 2017. His previous experience includes roles at Prudential, Towergate, and Borro, where he served as the head of business development. The management team includes Nattalie Weeks, Head of Portfolio, with over 30 years of experience in the financial sector, including roles at RBS/Natwest Group in wealth management and as an operations manager at CBD Risk London. She has been with Kuflink since 2017. Hiran Patel, the Chief Risk Officer, brings experience from financial firms such as Countrywide, Loans 2 Go, and Equifinance. Natalie Moreno, Head of Marketing, has more than 20 years of experience in marketing for financial institutions, specializing in both B2B and consumer marketing.

The Kuflink investment platform operates as Kuflink Ltd and is part of the Kuflink Group PLC, headquartered in London, UK. The parent company also oversees Kuflink Bridging Ltd, the authorized entity for credit broking, debt administration, and collection.

Kuflink’s annual report, audited by MHA Macintyre Hudson, highlights consistent profitability since August 2021. The Group posted a profit after tax of £462,555 in FY21, £729,122 in FY22, and more than doubled this figure in FY23 to £1.88 million, reflecting a 101.72% CAGR in earnings growth.^[9]

In July 2023, Kuflink secured a £35 million debt facility from Paragon Bank through European Risk Capital. This three-year commitment, subject to potential increases and renewed annually, is designed to provide accessible capital for the platform's growth. The agreement underscores Kuflink’s strong loan portfolio and underwriting criteria. Notably, Kuflink has not encountered any investor losses since its launch. The platform aims to expand its loan book to £500 million.^[10]

Kuflink has earned multiple accolades, including the UK Bridging Lender of the Year (Sub £1bn) at the Alternative Credit Awards 2024. In 2023, the platform won the P2P Awards for Property Lender of the Year and Residential Property Lender of the Year.^[11]

1. P2PMarketData: “Kuflink Statistics”
2. Kuflink: “FAQ - Is there a minimum or maximum that I am allowed to invest in a Kuflink Select Invest Deal?”
3. Kuflink: “Blog - Kuflink’s new features for july 2022 - Released! A NEW SIPP Pool Product”
4. Kuflink: “FAQ - We pay interest annually on the anniversary of your investment, directly into your wallet.”
5. Kuflink: “FAQ: How does Select-Invest Product work?”
6. Kuflink: “Statistics - Cumulative Lending Track Record”
7. Kuflink: “Statistics - Default Rate by Category”
8. Kuflink: “Fees and Charges”
9. Kuflink: “Fees and Charges”
10. Mortgage Solutions Magazine: “Kuflink enters £35m institutional debt funding agreement with Paragon Bank”
11.  Kuflink: “Homepage - Award Winning”

Kuflink began in 2011 as Alpha Bridging Solutions, focusing on issuing bridge loans. In 2017, they officially launched the Kuflink peer-to-peer lending platform in England and Wales, offering short-term loans backed by UK property. Kuflink holds a consumer credit license from the UK's Financial Conduct Authority (FCA). Since its inception, the platform has attracted over £374 million investments, and £82 million in the past year, maintaining an average monthly volume of over £6.8 million.^[1]

• Kuflink offers investors secured UK property loans starting at £1,000 at interest rates ranging from 7% to 9.8%.
• Loan durations range from 1 to 3 years, with monthly payments or the option for annual compounded interest.
• Kuflink co-invests up to 5% in every deal alongside lenders.
• The platform reports 8.45% of loans delayed and a 16% default rate.

Kuflink provides secured loans backed by UK property. Investors can choose between live and reserve deals. Reserve deals are upcoming loans that have yet to be completed or distributed to borrowers. Investors earn cashback on reserve deals when they go live, equal to the interest accrued from initial funding to the deal’s activation.

Kuflink offers four investment products, each requiring a minimum investment of £1,000.^[2]

• Select-Invest: Investors can select and invest in secured loans.
• Auto-Invest: Automatically diversify across multiple loans.
• Select IF-ISA: Combine Select-Invest with tax-free Finance ISA benefits, allowing up to £20,000 annually or ISA transfers.
• Auto IF-ISA: Merge Auto-Invest’s diversification with Finance ISA’s tax-free benefits, supporting up to £20,000 annually or ISA transfers.

SIPP account holders can invest pension funds in SIPP-eligible, UK property-secured loans and earn tax-free returns through Kuflink’s partnership with the regulated provider Morgan Lloyd.^[3]

Loan durations range from 1 to 3 years. For 1-year loans, investments are structured as bullet loans, where principal and interest are accrued daily and compounded annually, with both principal and interest paid at the end of the term. For loans longer than 1 year, interest is either compounded annually and paid at the end of the term, or paid annually into the investor’s wallet if the investor opts for this option.^[4]

The platform does not have a provision fund for default risk but secured loans against UK property with 1st and 2nd legal charges. Kuflink co-invests up to 5% in each deal alongside lenders.^[5] It offers a secondary market for early exits and an auto-invest feature for managing new investments. Kuflink also provides a mobile app available on the Apple App Store and Google Play.

Kuflink claims to offer the following investment returns:

• Auto: With the Auto feature, loans offer annual interest rates ranging from 7% to 9.13%.
• Select: With the Select product, loans offer annual interest rates of up to 9.8%.

Since its launch, the platform has originated 805 loans and repaid a total of £255.58 million. Kuflink currently distributes an average monthly interest rate of 1.1% to investors on its active loan book.^[6]

The platform reports that 8.45% of its loans face repayment delays, while 16% are classified as defaulted under the FCA definition (contractual payments overdue by more than six months). This marks an increase compared to 2022, when no defaults were reported, and 2023, when 8.77% of loans were defaulted.^[7]

Withdrawal of non-invested funds may incur a charge of £5 or 1% to lenders. Charges are also applied if investors choose to liquidate an investment before the loan expires, with a minimum fee of 2% of the amount or £500, whichever is higher. The platform also collects a 1% fee on the loan part value for secondary market transactions. Kuflink generally generates revenue by imposing expenses and fees on borrowers, which are deducted from the monthly payments made by borrowers as outlined in the Key Contract Terms.^[8]

Kuflink was founded by the Binning Family in Kent, UK. The founders, Harwinder Singh and Rawinder Binning, now serve as Kuflink's Chief Compliance Officers. With extensive experience in property development, they have worked on various projects in the UK, ranging from residential to commercial developments.

Narinder Khattoare has been the Chief Executive Officer of the company since November 2017. His previous experience includes roles at Prudential, Towergate, and Borro, where he served as the head of business development. The management team includes Nattalie Weeks, Head of Portfolio, with over 30 years of experience in the financial sector, including roles at RBS/Natwest Group in wealth management and as an operations manager at CBD Risk London. She has been with Kuflink since 2017. Hiran Patel, the Chief Risk Officer, brings experience from financial firms such as Countrywide, Loans 2 Go, and Equifinance. Natalie Moreno, Head of Marketing, has more than 20 years of experience in marketing for financial institutions, specializing in both B2B and consumer marketing.

The Kuflink investment platform operates as Kuflink Ltd and is part of the Kuflink Group PLC, headquartered in London, UK. The parent company also oversees Kuflink Bridging Ltd, the authorized entity for credit broking, debt administration, and collection.

Kuflink’s annual report, audited by MHA Macintyre Hudson, highlights consistent profitability since August 2021. The Group posted a profit after tax of £462,555 in FY21, £729,122 in FY22, and more than doubled this figure in FY23 to £1.88 million, reflecting a 101.72% CAGR in earnings growth.^[9]

In July 2023, Kuflink secured a £35 million debt facility from Paragon Bank through European Risk Capital. This three-year commitment, subject to potential increases and renewed annually, is designed to provide accessible capital for the platform's growth. The agreement underscores Kuflink’s strong loan portfolio and underwriting criteria. Notably, Kuflink has not encountered any investor losses since its launch. The platform aims to expand its loan book to £500 million.^[10]

Kuflink has earned multiple accolades, including the UK Bridging Lender of the Year (Sub £1bn) at the Alternative Credit Awards 2024. In 2023, the platform won the P2P Awards for Property Lender of the Year and Residential Property Lender of the Year.^[11]

1. P2PMarketData: “Kuflink Statistics”
2. Kuflink: “FAQ - Is there a minimum or maximum that I am allowed to invest in a Kuflink Select Invest Deal?”
3. Kuflink: “Blog - Kuflink’s new features for july 2022 - Released! A NEW SIPP Pool Product”
4. Kuflink: “FAQ - We pay interest annually on the anniversary of your investment, directly into your wallet.”
5. Kuflink: “FAQ: How does Select-Invest Product work?”
6. Kuflink: “Statistics - Cumulative Lending Track Record”
7. Kuflink: “Statistics - Default Rate by Category”
8. Kuflink: “Fees and Charges”
9. Kuflink: “Fees and Charges”
10. Mortgage Solutions Magazine: “Kuflink enters £35m institutional debt funding agreement with Paragon Bank”
11.  Kuflink: “Homepage - Award Winning”

Kuflink began in 2011 as Alpha Bridging Solutions, focusing on issuing bridge loans. In 2017, they officially launched the Kuflink peer-to-peer lending platform in England and Wales, offering short-term loans backed by UK property. Kuflink holds a consumer credit license from the UK's Financial Conduct Authority (FCA). Since its inception, the platform has attracted over £374 million investments, and £82 million in the past year, maintaining an average monthly volume of over £6.8 million.^[1]

• Kuflink offers investors secured UK property loans starting at £1,000 at interest rates ranging from 7% to 9.8%.
• Loan durations range from 1 to 3 years, with monthly payments or the option for annual compounded interest.
• Kuflink co-invests up to 5% in every deal alongside lenders.
• The platform reports 8.45% of loans delayed and a 16% default rate.

Kuflink provides secured loans backed by UK property. Investors can choose between live and reserve deals. Reserve deals are upcoming loans that have yet to be completed or distributed to borrowers. Investors earn cashback on reserve deals when they go live, equal to the interest accrued from initial funding to the deal’s activation.

Kuflink offers four investment products, each requiring a minimum investment of £1,000.^[2]

• Select-Invest: Investors can select and invest in secured loans.
• Auto-Invest: Automatically diversify across multiple loans.
• Select IF-ISA: Combine Select-Invest with tax-free Finance ISA benefits, allowing up to £20,000 annually or ISA transfers.
• Auto IF-ISA: Merge Auto-Invest’s diversification with Finance ISA’s tax-free benefits, supporting up to £20,000 annually or ISA transfers.

SIPP account holders can invest pension funds in SIPP-eligible, UK property-secured loans and earn tax-free returns through Kuflink’s partnership with the regulated provider Morgan Lloyd.^[3]

Loan durations range from 1 to 3 years. For 1-year loans, investments are structured as bullet loans, where principal and interest are accrued daily and compounded annually, with both principal and interest paid at the end of the term. For loans longer than 1 year, interest is either compounded annually and paid at the end of the term, or paid annually into the investor’s wallet if the investor opts for this option.^[4]

The platform does not have a provision fund for default risk but secured loans against UK property with 1st and 2nd legal charges. Kuflink co-invests up to 5% in each deal alongside lenders.^[5] It offers a secondary market for early exits and an auto-invest feature for managing new investments. Kuflink also provides a mobile app available on the Apple App Store and Google Play.

Kuflink claims to offer the following investment returns:

• Auto: With the Auto feature, loans offer annual interest rates ranging from 7% to 9.13%.
• Select: With the Select product, loans offer annual interest rates of up to 9.8%.

Since its launch, the platform has originated 805 loans and repaid a total of £255.58 million. Kuflink currently distributes an average monthly interest rate of 1.1% to investors on its active loan book.^[6]

The platform reports that 8.45% of its loans face repayment delays, while 16% are classified as defaulted under the FCA definition (contractual payments overdue by more than six months). This marks an increase compared to 2022, when no defaults were reported, and 2023, when 8.77% of loans were defaulted.^[7]

Withdrawal of non-invested funds may incur a charge of £5 or 1% to lenders. Charges are also applied if investors choose to liquidate an investment before the loan expires, with a minimum fee of 2% of the amount or £500, whichever is higher. The platform also collects a 1% fee on the loan part value for secondary market transactions. Kuflink generally generates revenue by imposing expenses and fees on borrowers, which are deducted from the monthly payments made by borrowers as outlined in the Key Contract Terms.^[8]

Kuflink was founded by the Binning Family in Kent, UK. The founders, Harwinder Singh and Rawinder Binning, now serve as Kuflink's Chief Compliance Officers. With extensive experience in property development, they have worked on various projects in the UK, ranging from residential to commercial developments.

Narinder Khattoare has been the Chief Executive Officer of the company since November 2017. His previous experience includes roles at Prudential, Towergate, and Borro, where he served as the head of business development. The management team includes Nattalie Weeks, Head of Portfolio, with over 30 years of experience in the financial sector, including roles at RBS/Natwest Group in wealth management and as an operations manager at CBD Risk London. She has been with Kuflink since 2017. Hiran Patel, the Chief Risk Officer, brings experience from financial firms such as Countrywide, Loans 2 Go, and Equifinance. Natalie Moreno, Head of Marketing, has more than 20 years of experience in marketing for financial institutions, specializing in both B2B and consumer marketing.

The Kuflink investment platform operates as Kuflink Ltd and is part of the Kuflink Group PLC, headquartered in London, UK. The parent company also oversees Kuflink Bridging Ltd, the authorized entity for credit broking, debt administration, and collection.

Kuflink’s annual report, audited by MHA Macintyre Hudson, highlights consistent profitability since August 2021. The Group posted a profit after tax of £462,555 in FY21, £729,122 in FY22, and more than doubled this figure in FY23 to £1.88 million, reflecting a 101.72% CAGR in earnings growth.^[9]

In July 2023, Kuflink secured a £35 million debt facility from Paragon Bank through European Risk Capital. This three-year commitment, subject to potential increases and renewed annually, is designed to provide accessible capital for the platform's growth. The agreement underscores Kuflink’s strong loan portfolio and underwriting criteria. Notably, Kuflink has not encountered any investor losses since its launch. The platform aims to expand its loan book to £500 million.^[10]

Kuflink has earned multiple accolades, including the UK Bridging Lender of the Year (Sub £1bn) at the Alternative Credit Awards 2024. In 2023, the platform won the P2P Awards for Property Lender of the Year and Residential Property Lender of the Year.^[11]

1. P2PMarketData: “Kuflink Statistics”
2. Kuflink: “FAQ - Is there a minimum or maximum that I am allowed to invest in a Kuflink Select Invest Deal?”
3. Kuflink: “Blog - Kuflink’s new features for july 2022 - Released! A NEW SIPP Pool Product”
4. Kuflink: “FAQ - We pay interest annually on the anniversary of your investment, directly into your wallet.”
5. Kuflink: “FAQ: How does Select-Invest Product work?”
6. Kuflink: “Statistics - Cumulative Lending Track Record”
7. Kuflink: “Statistics - Default Rate by Category”
8. Kuflink: “Fees and Charges”
9. Kuflink: “Fees and Charges”
10. Mortgage Solutions Magazine: “Kuflink enters £35m institutional debt funding agreement with Paragon Bank”
11.  Kuflink: “Homepage - Award Winning”