Short term lending opportunities secured on residential and commercial property.

Investing in secured loans

1. Loan Origination

We source and structure loan opportunities through our network of commercial brokers.

2. Loan Selection

You access opportunities via an online portal and build a diversified portfolio of loans.

3. Loan Servicing

We oversee the loan servicing and pass on interest payments to you each month.

4. Loan Repayment

We ensure all principal and interest is returned to you before releasing our security.

Secured Loan Notes

Colenko issues a series of loan notes, with funds deployed into short-term bridging loans alongside senior debt provided by wholesale funding partners. This lower-touch investment structure targets higher returns through the use of leverage and is designed for sophisticated investors.

Target Yield

12%

Residential townhouses and apartments in Chelsea, London

How do I become an investor?

We assess your suitability for investments in private debt and if approved will carry out KYC checks in accordance with FCA guidelines.

Investor profile approved
KYC checks completed
Documentation issued

Risk assessment

We underwrite loan opportunities according to a rigorous, systematic process overseen by our highly experienced team.

Loan notes

When do I receive interest payments?2026-04-07T12:34:51+01:00

When do I receive interest payments?

Interest payments on Colenko Loan Notes are paid bi-annually in January and July for the prior half year period.

Do I receive interest net of withholding tax?2026-04-07T12:35:24+01:00

Do I receive interest net of withholding tax?

Interest is paid gross to investors participating via a UK registered limited company. Investors participating in their individual name or overseas corporate entities will have interest withheld at the rate of 20% and may reclaim via their usual tax return.

Can I invest through my SIPP?2026-04-07T12:35:54+01:00

Can I invest through my SIPP?

We welcome investments from individuals and corporates, and a number of our investors choose to do so through their SIPPs. Please note that Colenko do not provide tax advice and you should seek clarification from your SIPP provider before investing.

What is the minimum investment?2026-04-07T12:36:15+01:00

What is the minimum investment?

The minimum investment in Colenko Loan Notes is £50,000. By exception, we may permit a smaller initial investment as part of a broader strategy to increase participation levels over time.

Is investing in Loan Notes suitable for me?2026-04-07T12:36:33+01:00

Is investing in Loan Notes suitable for me?

Colenko will carry out a suitability assessment to determine whether investing in secured Loan Notes is appropriate.

Direct lending

When do I receive interest payments?2026-04-07T12:34:06+01:00

When do I receive interest payments?

You may elect to receive interest on a monthly basis through the course of a loan, or as a bullet payment when a loan redeems. In the latter case, your interest will compound on a monthly basis.

Can I invest through my SIPP?2026-04-07T12:34:09+01:00

Can I invest through my SIPP?

We welcome investments from individual and corporates, and a number of our investors choose to do so through their SIPPs. Please note that Colenko do not provide tax advice and you should seek clarification from your SIPP provider before investing.

What is the minimum investment?2026-04-07T12:34:11+01:00

What is the minimum investment?

The minimum target investment across a portfolio of loans is £50,000. The minimum investment per loan is £10,000. Our investors typically diversify across a number of loans.

How do I hear about loan opportunities?2026-04-07T12:34:14+01:00

How do I hear about loan opportunities?

Once you are set up with an investor account, you will have access to our Investor Portal. New Loan opportunities are posted in the portal prior to funding for all investors to view. You will also receive an email alerting you of an upcoming loan investment opportunity.

Which entity makes the loan?2026-04-07T12:33:49+01:00

Which entity makes the loan?

Colenko Capital Ltd acts as the lender of record for the benefit of the participants in each loan. Each investor enjoys the benefit of any cashflows generated from a loan pro-rata based on their level of investment.

Contact our lender team

Please get in touch with our lender team to find out more about participating in secured loans with Colenko.

lend@colenko.com
020 3920 6150

Efficient lending

Colenko has developed a best-in-class lending operation designed to optimise utilisation and drive investor returns. Through rigorous processes and data analysis, we select optimal loans, and structure, service, and recover them with maximum visibility and control.