Ablrate Reviews

Ablrate provides peer-to-peer lending, enabling investors to fund student loans with competitive returns and borrower-friendly terms.

Here are the Trustpilot Reviews from Ablrate:

Here are the Reviews from Ablrate:

Have invested with this provider for a number of years. Overall a good platform that seems well staffed; encountered some issues at signup (primarily related to another lender that was involved rather than Ablrate) which was navigated well by their customer service team. Good level of interest and have not had any issues until about 2020. Understandably some companies have been hit hard by Covid and given the high level of interest, there is a high level of risk with some loans. Would recommend hedging your use of this platform with lower risk investments for this reason.

James

I've invested over a number of years and like this platform. I am confident to continue investing with ABLRATE now and in the future.

arwin

Good Platform, easy to use, no losses in 2-years, and so far very good for selling or changing loans, nice returns ! would say an above average platform for lenders. Keep up the good work.

Alan Murray

I have been using this site for nearly 2 years now to diversify my income sources. Initially I had to answer questions to be able to invest. With an excellent secondary market I was able to diversify my initial investment over about 10 loans. I now am invested in 30 loans most now funded by recycling interest and capital I have been paid back to date. A number of loans have fallen into default but Ablrates communications have been very good and have recently resolved one problem loan successfully which to me looked like we would have to call in the security that had been assigned. I would have scored the site a 5 but it lacks new loans and the number of lenders are a bit sparse. However I'd rather lend to companies that have passed the filters the company has in place than to just anyone.

Spengali

4 stars just because I want to wait for 2 years or more to evaluate more thoroughly. Pros: sign-up, deposit, withdraw all smooth and quick for non-UK resident liquid pools of secondary markets with low minimums and nice discounts (= high yield of >13%) good credit reports by third parties aside from traditional real estate, there are diverse unique offerings you won't see on other platforms (e.g, plane disassembling, energy developments (incinerators), collateral of large car lots...) That alone is a great learning experience Cons: low deal flow means your cash drag if you want to diversify many of the loans are from a few companies, meaning risks are more concentrated than they man seem Overall I am glad I have invested and I am excited by their next offerings

viviship

Excellent service, excellent communication, excellent interest rates. Bravo!

Stephen Mark Jackson

Explore Ablrate's Finance Solutions:

Asset Finance Loan

£100,000 - £5,000,000

Bridging Loan

£100,000 - £5,000,000

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Explore Ablrate's Finance Solutions:

Loan Type:

Asset Finance Loan

Loan Range:

£100,000 - £5,000,000

Loan Terms:

6 months to 5 years

Minimum Turnover and Trading Age:

Typically 2 years trading and £250,000+ annual turnover

Interest Rate:

8% - 15% p.a. (fixed or variable)

Fees:

2%-5% arrangement fee; valuation & legal costs; 1% p.a. monitoring fee (where applicable)

Loan Type:

Bridging Loan

Loan Range:

£100,000 - £5,000,000

Loan Terms:

3 months to 18 months

Minimum Turnover and Trading Age:

Property SPVs accepted; trading history not always required

Interest Rate:

0.80% - 1.50% per month (9.6% - 18% p.a.)

Fees:

2% arrangement fee; exit fee 1% (typical); legal & valuation costs

Loan Type:

Development Finance

Loan Range:

£250,000 - £5,000,000

Loan Terms:

6 months to 24 months

Minimum Turnover and Trading Age:

Experienced developers or professional teams preferred

Interest Rate:

9% - 15% p.a. (rolled-up or serviced)

Fees:

2% arrangement fee; 1% exit fee; monitoring surveyor & QS fees

Loan Type:

Trade Finance Facility

Loan Range:

£100,000 - £2,000,000

Loan Terms:

30 days to 180 days (revolving)

Minimum Turnover and Trading Age:

Typically 2 years trading history and £500,000+ turnover

Interest Rate:

10% - 18% p.a. equivalent (charged on utilisation)

Fees:

1%-3% arrangement fee; transaction fees per drawdown

Loan Type:

Secured Working Capital Loan

Loan Range:

£50,000 - £1,000,000

Loan Terms:

6 months to 36 months

Minimum Turnover and Trading Age:

Minimum 1 year trading and £250,000 turnover

Interest Rate:

10% - 18% APR representative

Fees:

Up to 3% arrangement fee; early repayment usually fee-free

Loan Type:

Renewable Energy Project Finance

Loan Range:

£250,000 - £5,000,000

Loan Terms:

12 months to 5 years

Minimum Turnover and Trading Age:

SPV or experienced sponsor accepted

Interest Rate:

8% - 14% p.a.

Fees:

2% arrangement; legal, technical advisor and monitoring fees

More About Ablrate

Ablrate Limited, established in 2014 and authorised by the FCA, operates a UK-based peer-to-peer lending platform. It specialises in providing secured and asset-backed business finance ranging from £50,000 to £5,000,000. The platform primarily serves professional and retail investors, linking them with UK companies across various sectors. This lender caters to established small and medium-sized enterprises (SMEs), property developers, and project special purpose vehicles (SPVs) capable of offering tangible security. More about Ablrate reviews and alternative finance loans can be found here.

Key Features of Ablrate

Ablrate offers practical benefits through its digital platform and asset-backed lending expertise, enhancing loan structuring efficiency and borrower transparency.

Online application and document upload within a secure deal room featuring real-time status tracking.
Dedicated credit and structuring team accessible by phone, email and video call for direct support.
Investor marketplace enables rapid funding once loans have approval, facilitating quicker access to capital.
Loan monitoring dashboards provide detailed loan balance, covenant reporting, and repayment schedules.
Automated interest collection and repayment distribution through segregated client accounts for transparency.

Funding Eligibility

You may qualify for finance from Ablrate if your business is a UK-registered limited company or LLP with a minimum trading history generally between 12 and 24 months, and an annual turnover typically above £250,000. Specific loan types may accept SPVs with no trading history where relevant, such as in asset or development finance. Excluded sectors include arms manufacturing, gambling, adult entertainment, and cryptocurrencies on a case-by-case basis. Review the detailed eligibility requirements and tools to assess qualification.

Loan Options

Ablrate offers a range of secured loan products with amounts from £50,000 up to £5,000,000, suitable for various business purposes and asset types.

Secured Working Capital Loan: from £50,000 to £1,000,000, term of 6 to 36 months, representative APR from 10%. Suitable for growth and refinancing with multiple asset securities. Learn more about working capital loans.
Asset Finance Loan: between £100,000 and £5,000,000, with 6 months to 5 years term, interest rates typically 8% to 15% per annum. Funding new or used assets secured by the asset itself plus debenture. See asset finance.
Bridging Loan: £100,000 to £5,000,000, terms from 3 to 18 months, with monthly interest rates from 0.80% to 1.50%. Provides fast funding for property purchases or refurbishment with first-charge property security. Details on bridging loans.
Development Finance: ranges from £250,000 to £5,000,000, term 6 to 24 months, interest between 9% and 15% p.a. Designed for residential or mixed-use schemes with first charge on the site and step-in rights. More about development finance.
Trade Finance Facility: from £100,000 to £2,000,000, revolving terms of 30 to 180 days, equivalent interest rates from 10% to 18% per annum. Finances inventory or overseas imports secured by goods title and debtor assignment. Learn about invoice financing.
Renewable Energy Project Finance: £250,000 to £5,000,000, 12 months to 5 years, interest 8% to 14% p.a. Suitable for solar, wind or battery storage projects with asset and contract security. See renewable energy finance.
Auction Finance: £100,000 to £2,500,000, short terms of 3 to 12 months, monthly interest 0.9% to 1.4%. Provides rapid funding for property bought at auction with first charge over the asset. Read about auction finance.

How to Apply

The application process at Ablrate is fully digital and remote. You can expect indicative loan terms within 24 hours of application, with full approval typically taking 3 to 7 working days after document submission.

Submit your application online using their application form.
Provide required financial documentation including filed accounts, management accounts, and bank statements.
Engage with the credit team who will review your business plan, security valuations, and conduct credit assessments.
Sign agreements electronically and arrange security documentation before funds are released, usually within 1 to 3 days post investor funding.

Funding Agent’s View on Ablrate

Ablrate occupies a specific niche in the UK alternative finance sector, offering bespoke asset-backed facilities suited to established SMEs and development or project SPVs. While the pricing is higher than banks, clients gain from rapid decision-making, flexible collateral options, and generally no early repayment penalties. Prospective borrowers may use our loan eligibility checker or compare alternative finance loans to understand options. For a broader perspective, see Ablrate reviews.