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How It Works

Lenders
Join
Investors can easily join ShareCredit and its diverse community of international investors by using our simple sign-up process. Create an account, build a profile, set your security settings and you are ready to get started.
Transfer In
ShareCredit enables you to create an online dedicated client money account where you can deposit funds and receive earnings from your investments.
Primary Market
You can use the ShareCredit primary market to find the latest financial products from business loans to buy-to-let mortgages.
Secondary Market
ShareCredit has an active secondary market where you can buy and sell business loan and loan parts to and from other lenders on the platform.
Interest and Repayments
Lenders can earn interest and repayments through the ShareCredit platform. They can be monthly, quarterly, and annually depending on the terms of the investment. You will be able to view all your investments and expected repayments on your ShareCredit investment dashboard. We will provide you with annual statements for tax purposes to make your life easier.
Fees
ShareCredit does not charge you for the investments that you make and, unlike some other peer-to-peer platforms, we don’t charge you any fees for selling your investments on our secondary market either.
Issuers and Borrowers
Join
Institutions and individuals can register with ShareCredit by simply creating a business or personal account.
Apply
You can use the ShareCredit application process to apply and issue business loans and buy-to-let mortgages on the platform. A member of our team will be in touch with you within 5 working days of your application being submitted and subject to our due diligence and credit checks, you can start raising funds through our primary market straight away.
The Offering
ShareCredit aims to make issuing business loans, loans and buy-to-let mortgages as simple as possible and provides all the necessary legal agreements which are automatically generated and easily accessible online. As soon as the offering goes live, investors can start to commit funds to it and, should it succeed in reaching its target amount, ShareCredit will handle the transfers of funds into your ShareCredit account.
Interest and Repayments
You can easily keep track of your business loan and loan repayments through the ShareCredit application dashboard.
Fees
Borrowers and Issuers will be charged an arrangement fee and annualised service fee provided the target amount is successfully reached. Should the target not be reached, no fee will be charged. For share issues, ShareCredit will typically charge a success fee on the total amount raised.
Buy-to-Let Mortgages
We offer buy-to-let mortgages to assist you starting or expanding your property portfolio. Our terms are flexible and tailored to your needs. You can borrow up to 80% of the property value, choose between interest repayment only or a combination of both interest and capital repayment, and we do not charge early repayment when you choose to terminate earlier. Your home may be repossessed if you do not keep up repayments on your mortgage.

Markets Overview

Primary Market
The primary market is where you can find and invest in new investment opportunities.
We will not charge you any fees for investing on our primary market.
Secondary Market
The secondary market is where you can buy and sell your business loan and loan parts from and to other lenders on the platform.
We will not charge you any fees for buying and selling investments on the secondary market.

Products Overview

Buy-to-Let Mortgages
We offer buy-to-let mortgages to assist you starting or expanding your property portfolio. Our terms are flexible and tailored to your needs. You can borrow up to 80% of the property value, choose between interest repayment only or a combination of both interest and capital repayment, and we do not charge early repayment when you choose to terminate earlier. Your home may be repossessed if you do not keep up repayments on your mortgage.

Share Credit Limited is registered in England and Wales (No. 09540341) with a registered address: 18/F, 40 Bank Street, London, E14 5NR. Share Credit Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference Number: 719365)

Risk Warning

Investing or lending through ShareCredit lending platform involves significant risks, and before you are able to invest through ShareCredit we need to make sure that you fully understand them and have the experience to make informed investment decisions.

Your capital is at risk if you lend to business and individuals and P2P lending is not covered by the Financial Services Compensation Scheme. There is a risk that business or individuals may default and that the loan won’t be repaid. Share Credit is targeted at investors who understand these risks and make their own investment decisions. Share Credit does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Share Credit on the basis of information provided. Share Credit takes no responsibility for this information or for any recommendations, opinions or predictions. Please click here to read the full risk warning.

This website has been approved as a financial promotion by ShareCredit Limited.