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On occasions, an investment offered by Loan Originator may be late, extended or have the Buyback Guarantee triggered. This can be due to the underlying end borrower being unable to meet agreed loan conditions issued by the Loan Originator.
Our Loan Originators have consistently demonstrated their commitment to fulfilling buyback obligations. We don't just onboard any lender, every Originator on Lendermarket undergoes rigorous due diligence to ensure they have the "skin in the game" and capital reserves to fulfill buybacks.
The Buyback Guarantee activates 60 days after the max extension from Loan Originators has reached maximum extensions. For extension timelines, please see the table below.
Buyback Guarantee
All Loan Originators on Lendermarket are obliged to offer a Buyback Guarantee and to prove that they have the means to fulfill their obligations in this respect. If the Loan Originator triggers a Buyback Guarantee, then the loan is bought back by the Loan Originator and the principal plus accrued interest is paid back to the investor.
Group guarantee
On top of the standard guarantee, there may also be a Group Guarantee. In some cases, Loan Originators are not a single entity, but also have parent companies with bigger financial resources. This means that if the Loan Originator itself can not fulfill the guarantee and pay back all outstanding loans, the parent company steps in to cover any obligations. This adds a layer of security, provided the parent company has the necessary means.
There are cases when Loan Originators may extend the investments. For example, a Loan Originator may agree to grant an extension to help the end-borrower pay back the loan.
You continue earning the same interest rate throughout every extension day until the loan is settled or bought back. For full terms on extension and late interest, familiarize yourself with Repurchase or Buyback agreement prior to investment.
Risk Warning: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. A Buyback Guarantee is a contractual obligation of the Loan Originator and is dependent on their financial capacity.
*The Buyback Guarantee activates 60 days after the final scheduled or extended maturity date. The maximum total number of late days is equal to Max Extensions + the Buyback Guarantee Days tabled above. You will continue to earn interest for the extended period until the loan is bought back. The interest rate is payable according to the agreements set with specific Loan Originators.
*It is not a guarantee of returns. Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the capital invested. Additionally, you may not receive any return on your investment. Your investment is not covered by the Deposit Guarantee Scheme.
Lendermarket Limited is regulated by the Central Bank of Ireland. Registered with the Companies Registration Office in Block C, 77 Sir John Rogerson’s Quay, Dublin, D02 VK60, Ireland. Company number 585178.
Lendermarket Limited provides services regulated under Regulation EU 2020/1503 (the Crowdfunding Regulation) as well as services not covered by the Crowdfunding Regulation. For more information, please read our Service Statement, and the
As with all investment opportunities, investments on the Lendermarket platform involve a degree of risk. Lendermarket advises carefully evaluating the risks associated with investing in consumer and business loans and seeking professional advice before starting to invest on the platform. We accept our managers and employees as investors. Our staff have the opportunity to invest in all crowdfunding offers on Lendermarkets platform. The firm ensures that any such investments are made under the same conditions as those of all other investors and that staff do not enjoy any preferential treatment or privileged access to information.We accept our managers and employees as investors. Our staff have the opportunity to invest in all crowdfunding offers on Lendermarkets platform. The firm ensures that any such investments are made under the same conditions as those of all other investors and that staff do not enjoy any preferential treatment or privileged access to information.
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