Loanpad is paying its first dividend to investors, of £1.50 per share on 1 July 2026.
This payment marks the latest milestone for our firm, and represents a chance to say thank you to our backers. We would like to extend a particular thanks to all of our shareholders including those from the Seedrs platform.
“We are proud to announce the payment of a £1.50 per share dividend to everyone who has backed our business with an equity investment” said Neil Maurice, chief operating and financial officer at Loanpad.
“Our business has gone from strength to strength since we launched in 2019. We have been profitable every year since 2022, with no corporate debt on our books. We have very intentionally scaled up sustainably, growing each year by maintaining rigorous due diligence processes and staying true to our business model.”
A successful business model
Loanpad operates as a property-backed peer-to-peer lending platform, which matches borrowers in need of funding with lenders seeking a return on their cash. We work alongside a select number of lending partners who invest alongside our individual lenders and take on the higher risk portions of every loan, effectively providing a shield to retail investors in the event of a loan default. While past performance is no guarantee of future success, to date Loanpad’s retail investors have not lost a single penny of their capital.
We are approved and regulated by the Financial Conduct Authority (FCA), and we also function as an ISA manager, allowing all of our investors to protect their earnings from taxation by putting up to £20,000 into an Innovative Finance ISA wrapper.
Strong loan book and finances
We are also a profitable company, and we have been strengthening our financial position every year. Our financial statements can be viewed on Companies House, and show that our net assets and cash holdings have both grown substantially in recent years, while we continue to hold zero corporate debt.
“As the Loanpad platform is in its 7th year, we are exactly where we want to be,” added Maurice.
“Our finances are in great health, and our loan book is going from strength to strength. Our loanbook is currently over £138m, and we intend to grow this figure in the months and years ahead.
“Our successful growth would not have been possible without the support of our equity backers and we are delighted that we are able to reward their trust in us with this first dividend payment.”
| Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more. |
Loanpad continues to be profitable
Loanpad had another profitable year in 2025, continuing a profitability streak which began in 2021. According to recently-filed financial statements available to view on Companies House, Loanpad’s financial position remains strong, with no corporate debt on the firm’s books and rising net assets.
The financial disclosures show that the company’s net assets grew from £2.03m to £3.40m between the year ending 31 December 2024 and the year ending 31 December 2025.
“This strong cash generation indicates that our profits are translating into real liquidity, giving the company greater flexibility to invest, expand, or strengthen our balance sheet,” said Neil Maurice, chief operating and financial officer at Loanpad.
“Our latest annual financial statements demonstrate that the company has materially strengthened our financial position year-on-year. We have been profitable every month since July 2021, and we expect our profits to continue to increase across 2026.”
Strong business model
Loanpad was launched in 2018, offering a new way for retail investors to access the property-backed lending market. It is a Financial Conduct Authority (FCA) approved lending platform which allows retail investors to invest in collateral-backed property loans alongside a group of established property lenders, called lending partners. These lending partners take the higher risk portion of each loan in return for a higher rate of interest, effectively shielding retail investors from the majority of the risk.
While past performance is no guarantee of future success, to date Loanpad’s retail investors have not lost a single penny of their capital. This is down to the platform’s commitment to strong due diligence on every loan, as well as the low loan-to-values (LTVs) on all properties which are taken as collateral.
Over the past eight years, this business model has weathered a global pandemic, and multiple macro-economic shocks which have heaped pressure on the alternative credit market. However, Loanpad has continued to both retain and attract investors, while steadily solidifying its own financial foundations to create a robust business which now boasts a strong track record of performance.
“We are delighted to have ended 2025 in profit, a testament to the hard work of our team and the strength of our business model,” said Maurice. “Since we launched in 2018, we have been focused on building a lean business that can scale sustainably over time. Our 2025 financial results are a testament to our strong business model, and our ability to deliver for investors, borrowers and shareholders.”
More milestones
Loanpad’s investor loanbook recently surpassed £135m, reflecting strong investor demand for the platform’s products, even amid a difficult macroeconomic environment.
Furthermore, the platform continues to target competitive returns to investors with the option of daily account access, and the opportunity to shelter investments within an ISA wrapper. At the time of writing, Loanpad’s classic account was targeting returns of 4.8%, while the premium account was targeting 5.8%.
“We take great pride in our transparency,” said Maurice. “All of our lending statistics including the latest target returns can be seen on our website, and all of our financial statements can be viewed on Companies House.
“We want our investors and borrowers to feel reassured that they can check our company’s financial health and our loanbook’s performance at any time.”
| Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more. |
P2P INSIDER
Supercharge your understanding of Peer to Peer investing todayWhat happens if you don’t use your annual ISA allowance?
The new financial year is well underway, and that means that for every UK taxpayer the annual ISA allowance resets.
From 6 April 2026 until 5 April 2027, up to £20,000 can be saved or invested without taxation, in a Cash ISA, Stocks and Shares ISA, Junior ISA, Lifetime ISA and/or an Innovative Finance ISA. And the easiest way to maximise your ISA allowance is to start early.
Why the ISA allowance matters
The annual ISA allowance is the best opportunity for savers and investors to maximise their returns. Not only are these funds exempt from taxation, but any interest payments, dividends or returns can be reinvested tax free so that you can benefit from the effect of compound inflation. That means you can effectively earn interest on your interest, year after year, without any tax payments taken. Over time this can really add up.
However, you can only invest £20,000 until 5 April 2027. After this date, the new tax year begins and the ISA allowance resets. If you haven’t used the previous year’s allowance, you lose it.
Use it or lose it – what the catchphrase really means
ISA allowances do not roll over. Once the tax year ends on 5 April, any unused portion of your allowance is gone for good. You can’t carry it forward, and you can’t make up for it in future years by contributing more than the annual cap.
For example, if you only invest £5,000 in one tax year, you cannot contribute £35,000 the next year to compensate. You are still limited to the standard annual allowance. Over time, under-utilising your annual allowance can significantly reduce the total amount you’re able to shelter from tax, as well as causing you to lose out on the ability to compound your interest.
For example, if you consistently underuse your ISA allowance by £10,000 per year, over 10 years, that’s £100,000 that could have been growing in a tax-efficient wrapper. Depending on your investment returns, the long-term difference could be substantial, particularly if you’re investing in higher-yielding opportunities such as property-backed lending.
How to maximise your ISA allowance
The best way to make the most of your annual ISA allowance is to start allocating money as early as possible in the year. £20,000 is the equivalent of approximately £1,666 per month. If you can afford to set this aside, a direct debit or standing order can make the allocation process much easier. Just take some time at the start of the year to decide which ISA accounts to use, set up an automated monthly payment system, and you won’t have to revisit your strategy until April 2027.
Choosing the right ISA
Your annual ISA allowance can be spread across a range of ISA accounts, allowing you to diversify across stocks and shares, cash, and peer-to-peer loans. How you choose to invest will depend on your individual risk profile. If you are risk averse, you may prefer to allocate most of your funds into a Cash ISA, where yields tend to be lower but more consistent. With stocks and shares, you can choose to either hand-pick your own investments or place your money into a tracker fund. However, geopolitical risk and macroeconomic volatility tends to hit the equity markets first, so depending on the makeup of your portfolio, you could incur losses in the event of a market shock.
Innovative Finance ISAs – or IFISAs – occupy something of a middle ground. Returns are relatively consistent, and typically higher than Cash ISAs. The IFISA bracket covers off peer-to-peer loans, crowdfunding investments, open ended property funds and long-term asset funds. For P2P IFISAs such as the Loanpad IFISA, investors earn money through loan repayments from the platform’s borrowers. The key risk here is that the borrower is unable to make one or more of these repayments, and ultimately could fall into difficulty, placing investor capital at risk. However, a good IFISA manager will conduct strict due diligence on every new borrower, ensuring that only the highest quality borrowers are able to access the platform’s lenders. Loanpad also takes collateral in the form of property on every loan that it approves, ensuring that there is a way for investors to recoup their capital should the borrower default. Furthermore, Loanpad invests alongside its investors, sharing the risk.
Learn more about the Loanpad IFISA here.
| Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more. |
Loanpad passes £135m milestone as growth journey continues.
Loanpad’s investor loanbook has surpassed £135m, demonstrating the property-lending platform’s ability to grow organically and steadily over time.
This milestone has been reached without any capital losses to investors to date, thanks to the platform’s rigorous due diligence process and ability to originate good quality, property-backed loans.
“Since Loanpad was established eight years ago, we have remained true to our mission – to deliver competitive, risk-managed returns for our investors simply and effectively,” says Neil Maurice, chief operating and finance officer at Loanpad.
“Today we are proud to say that our investor loanbook has grown to more than £137m, with zero capital losses to date. We have managed this growth throughout a global pandemic, fluctuating interest rates, and multiple macroeconomic shocks.
“This ability to grow our platform and deliver for our investors and borrowers is a testament to the hard work of our team, and our commitment to strong due diligence throughout the lifetime of every loan.
“Our business model now has a proven track record, and we are looking towards our future growth, onboarding more lending partners and supporting more borrowers across the UK at a time when fair financing is becoming increasingly hard to find.”
A focus on disciplined growth
Loanpad was launched in 2018, with the aim of enabling retail investors to back short-term property loans in the UK. Investments are raised from a combination of a select group of lending partners, as well as Loanpad’s ever-growing pool of retail investors. Currently, our lending partners share of the loans is more than £104m, while our retail investor base has invested more than £136m. This means that our live loanbook is currently valued at more than £240m.
We believe that our phenomenal growth story is due to the diligent and conservative management of the platform, as well as the loyalty of our investor base.
In just eight years, Loanpad has become an established part of the UK’s property lending market, growing its loanbook from £10m in 2020, to £50m in 2022 and £137m today.
Transparency has always been at the heart of Loanpad’s business. We are registered with the FCA, and we report all lending statistics on our website. We don’t charge any fees to our investors, but we do make a margin on the rate of interest paid by borrowers.
We also prioritise conservative loan-to-value (LTV) ratios on all property loans, to ensure that our investor capital is protected in the event of a borrower default. As a result of these measures, not a single investor has lost a penny of their capital through Loanpad.
This approach has helped us to build a loyal community of backers who choose to keep investing with Loanpad year after year.
“We would like to thank our investor base for all of their support over the years, and for trusting us with their hard-earned money,” says Maurice. “We are here for the long term, and we intend to maintain the highest standards by choosing great loans and delivering great returns for our investors.”
| Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more. |