Loanpad maintains profitability streak

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.”