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+1 518 893 1901


+44 033 0001 0306

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A sensible alternative

We provide loans ranging from $100,000 upwards over periods starting from three months.

Asset-backed loans

Borrow up to $2,000,000 for 3 to 12 months
from only 2.25% per month.

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Our platform

We use proprietary auto-matching algorithms to match lenders proportionately to every single loan available.

Asset backed lending

Join thousands of investors
and earn a fixed 2% - 5% monthly return.

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Why Sensible Lender?

Our crowdlending platform allows investors to lend funds to creditworthy property owners at competitive rates. As loans never exceed 75% of the property value, and all lending is secured with a legal charge, we can ensure minimal risk and deliver a steady return on your investment.

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What we loan against

Commercial property

Sensible Lender provides asset backed loans to developers and owners of commercial real estate. Our knowledge and experience allows us to speedily, yet diligently and effectively, provide a multitude of commercial loan programs throughout the UK. We offer real estate loans on most types of properties ranging from $200,000 to $10,000,000.

What we loan against

Private property

Unlike commercial banks, Sensible Lender makes asset-based lending decisions that focus on the financial strength and underlying value of the collateral that secures the loan and not on the credit history of the applicant. The length of these loans is generally between six months and two years for amounts ranging from $100,000 – $2,000,000.

  • Commercial loans
  • Private loans

About us

Company timeline.

Sensible Lender Limited was founded in 2012 by a team of investment professionals across the financial, real estate, and alternative investment industries.

May, 2017

Sensible Lender Limited has broken the $50 million barrier in originated loans!

November, 2016

Sensible Lender Limited has raised $7 million in the first round of venture capital investments.

February, 2015

Sensible Lender launches its online crowdlending platform.

Since 2012, Sensible Lender has supported more than 300 borrowers in the United Kingdom and 350 in the United States and Canada.
Our lenders earn a consistent 3 to 5 percent per month, with limited risk

Key Figures

Our achievements.

Our achievements to date are impressive! These numbers are a testament to the outstanding quality of our work! We know that past performance does not guarantee future success but we are very proud of our record to date and keep working hard to provide outstanding service for our lenders.

$52.9M originated loans
70% average LTV
1500 happy investors
650 borrowers
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Want to learn more?

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Sensible Lender Limited is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under firm registration number 651932. Sensible Lender Limited registered office is 149-151 Mortimer Street, Herne Bay, Kent, CT6 5HA (Company Number: 08050131). Sensible Lender Limited is not covered by the Financial Services Compensation Scheme.

Investment through Sensible Lender Limited involves lending to individuals or companies and therefore your capital is at risk and interest payments are not guaranteed if the borrower defaults. It is important to remember that historic loan default rates are not necessarily indicative of future default rates.