Auto Invest: How automated investing in P2P loans works

In an increasingly digital world, smart investors look for ways to put their money to work efficiently, without having to manage it daily. While hand-picking individual peer-to-peer (P2P) loans gives you total oversight, it demands time.

The Auto Invest tool from Lendermarket provides a seamless solution. It allows you to automate your investment returns while maintaining complete control over your risk, return, and liquidity preferences.

What is Auto Invest?

Auto Invest is a user-friendly portfolio management tool that automatically allocates your available funds into P2P loans based on your predefined criteria. Once activated, the tool does the heavy lifting: checking new loan listings, selecting suitable investments, and ensuring your capital is deployed efficiently without manual intervention.

Activate Auto Invest

The Core Benefits of Automation

Automating your investment strategy provides several distinct advantages that directly impact your portfolio's performance.

Eliminate Cash Drag

"Cash drag" occurs when your money sits uninvested, generating zero returns. Auto Invest solves this by instantly reinvesting borrower repayments and interest into new loans, keeping your capital active and deployed.

Effortless Diversification

A well-diversified portfolio is the cornerstone of risk management. Auto Invest seamlessly spreads your capital across different loan originators, interest rates, and loan terms, reducing the impact of individual loan defaults.

Transparent Returns & Buyback Guarantee

Fixed-interest P2P investments offer highly predictable returns. Currently, Lendermarket features a weighted average interest rate of 13.46%, with opportunities to earn up to 15% APY*. Furthermore, all loans come with a buyback guarantee from the loan originator, covering your principal and accrued interest if a borrower's payment is significantly delayed. This guarantee is a contractual commitment of the loan originator and is not state-backed; it is subject to the originator's financial capacity to perform.

Choose Your Auto Invest Strategy

Lendermarket offers a variety of automated options to match your specific financial goals.

Ready-to-Go Strategies

For investors who prefer a one-click setup, we offer predefined portfolios:

• Steady Growth (9–11% interest rate): A balanced mix of risk and return, targeting loans with moderate interest rates for lower volatility.
• Pure Growth (11–13% interest rate): Geared toward maximizing yield, accepting a slightly higher risk profile for stronger capital growth.

Customised Portfolios

If you prefer granular control, you can build a custom portfolio. You define the exact parameters, including maximum portfolio size, investment limits per loan, minimum interest rates, and maximum loan terms.

Auto Invest FLEX

It is a more flexible version of Auto Invest, designed for investors who want automation without feeling locked in. Targeting annual returns of 10.5% to 12.5%, FLEX includes a platform-facilitated early exit mechanism (subject to terms and conditions). If your plans change, you can request an exit before maturity for a clear, transparent fee of 50% of the annualized portfolio interest. Learn more about Auto Invest FLEX here. 

Advanced Auto Invest Features

To give you even more control, Auto Invest includes specialized features for advanced portfolio management.

Managing Multiple Portfolios

You can run multiple Auto Invest portfolios simultaneously. The system operates on a priority basis: Portfolio 1 receives funding first, and Portfolio 2 only begins investing when Portfolio 1 reaches its limit or doesn’t find loans that match its criteria. By pausing or adjusting sizes, you can expertly direct your capital flow.

Auto Invest Exclusive Loans

Certain short-term loans require rapid funding and are available exclusively via Auto Invest. This accelerates the financing process for originators and provides investors with a smoother, highly efficient investment experience.

How to Set Up Auto Invest

Getting started takes just a few clicks:

1. Select a strategy: Choose Predefined, Custom, or FLEX.
2. Set your criteria: Define your limits and target rates.
3. Activate: The tool will immediately start deploying your available capital.
4. Adjust anytime: Pause, modify, or delete your settings at any moment.

Ready to make your capital work around the clock?
Activate Auto Invest today and build your passive investment strategy.