Secured and Insured

6.50% to 9.00% Gross
Projected Annualised Return*
£ 1000
Min. investment
12 to 36 Months

ArchOver Platform Overview

Type of investor?Mixed: Individuals; Corporates & Institutions
How is the loan secured?Secured against the Borrower's Accounts Receivable (AR) with an all asset charge and Credit insurance over the AR
Who chooses the investment?The Lender decides which loan(s) they want to invest in 
Is there a provision fund?No
Early exit possible?Yes
FCA regulation?Fully authorised and regulated by the FCA under registration number 723755

ArchOver Secured and Insured Loans Overview

Lender security is their number one focus and all loans are asset-backed with two tiers of protection. All ArchOver loans are secured against an all asset charge (registered at Companies House) over a Borrower’s business. For additional security and additional legal rights, all Borrower revenues from the sale of goods/services flow through controlled bank accounts owned by ArchOver before passing through to the Borrower’s bank account. Every loan listed on the platform has been pre-screened and approved by their experienced in-house credit team.

ArchOver ‘Secured & Insured’ loans are secured against the continuing value of the Borrower’s Accounts Receivable (AR). The ARs are the invoices/money owed for the goods and/or services the business has delivered to its customers at any given time. During the term of the loan the Borrower must maintain their ARs at 125% Value to the Loan (VTL)*. They monthly monitor both the asset value and the Borrower’s management accounts against forecast, throughout the loan term.

The ARs must be insured against late or non-payment, with the credit insurance normally provided by our partners Coface, a world leading provider of credit insurance and debt recovery services. Coface’s analysis of both the Borrower, the market sector they operate in and the creditworthiness of their customers, provides additional comfort on top of our own in-depth credit analysis.

In the event a Borrower defaults, in late payment, monthly reporting or breaches the VTL, their all asset charge and controlled accounts allow them to quickly step in and collect the value of the AR and pass it onto their Lenders to repay their capital.

*Subject to the terms agreed with each individual Borrower

Platform Risk Warning

Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Rates are subject to change. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme.