Each loan on the platform is assessed individually and we use a risk matrix that combines our real-estate expertise with detailed due diligence and valuations to categorise risk.

The interest rate for each loan is calculated using a combination of scores from a number of factors such as, Loan-To-Value, Loan-to-Gross-Development-Value, Loan-to-Cost, Profit on Cost, Liquidity, Exit Strategy, Development Experience, Credit Worthiness, Construction Complexity and Loan Term.

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In addition to reviewing all projects at all stages on a regular basis, the team schedule repeat visits to the borrower's site to ensure commitments are being honoured, the project is on schedule and that the valuation assumptions have not changed.