Investing in consumer credit

Investors are increasing allocations to consumer loans, searching for value and resilience in a volatile, low return market.

Adding retail consumer debt to a portfolio can deliver income, increase return potential and provide diversification. Creditmonga provides entry to investors in this traditionally inaccessible asset class.

Find out how Creditmonga can facilitate entry

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Ways to lend

Managed Investing

Leave all the work to us. We invest your money for you, selecting the right loans for you. Your money is invested together with other investors and invested in a wide range of loans meaning you benefit from diversification.

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Auto-lend

Our AutoInvest tool is here to make your Direct Lending easier. Simply set the criteria for loans you are looking to invest in and AutoInvest does the rest. You will invest automatically on new loans in the primary market or older loan in the secondary market. You can track the progress of your AutoInvest, and update or close your AutoInvest at anytime. AutoInvest is quick and easy

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To start lending, you need to set up your investment account Set up investment account>>

Self-select

Direct lending means you are lending directly to individuals on the Primary Market. You can also buy and sell loans on the Secondary Market. You build you loan portfolio by selecting suitable loans yourself.

See Loan listings on the market Loan market
Find out more about Self-select lending and the Loan Market. Find out more

Are you short of time and do not want to pick and research each loan, then Managed Investing may be right for you. There are a variety of products or funds, each investing in different types of loans - Individual loans, Business loans, Vehicle Finance. You can investment in as many of funds as you like. Choose a managed products that suites you. You can invest in Managed Investing fund as part of your ISA, your SIPP or a General Investment Account

Lending styles

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Find out more about Autolend. Find out more>>

To start lending, you need to set up your investment account Set up investment account>>

Build your portfolio

Choose from a variety of loans on the market

Lend directly to businesses and individuals on the primary market

Buy and Sell loans on the secondary market

Choose from a variety of loan types - individual loans, Vehicle finance, Business loans

Set up your portfolio as an ISA, SIPP or Regular Investment account

See Loan listings on the market Loan market

Find out more about Self-select lending and the Loan Market. Find out more

Types of investment account

Become the smart investor and put your money to work. To start investing, you need to set up your investment account. There are 3 types of accounts General investment account, ISA and SIPP

General account

Become the smart investor and put your money to work. To start investing, you need to set up your investment account. There are 3 types of accounts
General investment account

ISA

An ISA is an Individual Savings Account which offers a tax-efficient way to either invest. ISAs are one of the most popular and accessible tools to benefit from tax breaks offered by the government. An ISA is not an investment in its own right but a home for you to house your investments within. An ISA is a 'wrapper' in which you can shelter your investments from tax. Wrap up your investments in an ISA and benefit from the tax-free returns.

SIPP

A SIPP is a Self Invested Personal Pension, a type of pension for people happy to make their own investment decisions. A SIPP is one of the most tax-efficient ways of saving for retirement. Like all pensions, a SIPP offers up to 45% tax relief on contributions and there is no UK capital gains tax or UK income tax to pay. The tax benefits will depend on your individual circumstances and tax rules are subject to change by the government.

Work with Creditmonga to provide your clients access to the non-mainstream asset class of consumer credit

Access to non-mainstream asset

Access to consumer loan investments that are traditionally limited to banks and specialist lenders.

Competitive returns

Earn competitive returns lending to a diverse pool of borrowers on our market leading platform.

Income stream

High yield loan holdings is a good source for income for a portfolio

Diversification

Investing in a non-mainstream asset with a low correlation to other asset classes, enhancing portfolio diversification and reducing volatility

Our platform and technology

Leveraging on our leading platform that has been built using latest technology and security standards.
Register new clients accounts online
Manage clients accounts online
Manage your adviser accounts online

Security and compliance

Compliance with regulatory standards including the AML, KYC, Consumer credit, Client money and more.
Security of customer data is provided through high grade data protection & encryption, authentication and user access management