SMC Private Lending
We have dedicated Private Lending Specialists who have many years’ experience in their field. They possess the expertise to discuss the various financial options that are available to you, taking into account your particular circumstances and your business requirements.
What is Private Lending?
Private lending is also known as Peer to Peer lending.
Peer to peer lending involes borrowing money without going through a traditional lender such as a bank, building society or credit union. Private Lending is for non regulated loan lending and it cannot be used for home lending activities.
Lending should be in a company structure with the loan purpose for business or investment activities
Peer to peer lending matches people who have money to invest with people who are looking for a loan.
how does SMC Private Lending work?
SMC Private operates as a facilitator between investors and borrowers.
Investor
Who are looking for a better return on investments(CASH) but also seeking the risk profile of First Mortgage Security
Borrower
Who are seeking more flexibility in their borrowing requirements and faster solutions than normal mainstream lenders can provide.
When borrowers apply for a loan, SMC Private will evaluate their suitability by checking their credit history and their capacity to repay the loan, the quality of the asset as security and other risk factors and present to the investor for the final decision to accept or not.
Once the loan is settled, borrowers will receive the fund from a investor, including the fees to charge.
At the end of the loan term, borrowers pay the debt in full.
This may be from the proceeds of a sale, refinance, completion of development or other options or the borrower may seek an extension and pay another round of interest if the investor is willing to accept.
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