Kuflink
P2p platform that lends alongside lenders in loans secured against uk property.
| Date | Investors | Amount | Round |
|---|---|---|---|
* | £35.0m | Lending Capital | |
| Total Funding | 000k | ||
| GBP | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Revenues | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % growth | 1434 % | 42 % | 5 % | 58 % | 2 % | 10 % | 47 % |
| EBITDA | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % EBITDA margin | (12 %) | (12 %) | 28 % | 22 % | 19 % | - | - |
| Profit | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % profit margin | (24 %) | (31 %) | 16 % | 12 % | 5 % | 9 % | 12 % |
| EV | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
Source: Company filings or news article
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Kuflink operates as a peer-to-peer (P2P) lending platform in the United Kingdom, specializing in property-backed finance. The company’s history traces back to 2011 when it was founded as Alpha Bridging, a provider of short-term bridging loans. In 2016, the firm rebranded to Kuflink and launched its online P2P platform, connecting individual and corporate investors with borrowers seeking property finance. The founders, the Binning family, drew upon their extensive experience in property development to establish the platform. Co-founder Rawinder Binning was appointed CEO in March 2025, succeeding Narinder Khattoare who had led the company since 2017.
The business model centers on facilitating short-term bridging and development loans for property professionals across the UK. Revenue is primarily generated through fees charged to borrowers. Kuflink serves a diverse client base, including individual retail investors, high-net-worth individuals, family offices, and corporate investors. A distinct feature of Kuflink's model is its 'skin-in-the-game' approach, where the company co-invests up to 5% of its own capital into select loans, taking the first loss to offer a layer of protection to its investors.
Kuflink offers several investment products, including 'Select-Invest' which allows investors to manually pick individual loans, and 'Auto-Invest' for automated diversification across a portfolio of loans. These products can be held within an Innovative Finance ISA (IF-ISA) wrapper for potential tax-free returns. All loans are secured against UK property with a first or second legal charge, providing a degree of security for lenders. The platform provides details on each loan's loan-to-value (LTV) ratio, which is typically below 75%. For investors seeking early exit, a secondary market is available, though it includes a selling fee. The company achieved profitability for the first time in 2021 and has reported continued profit growth in subsequent years.
Keywords: peer-to-peer lending, P2P property finance, bridging loans, property investment, development finance, real estate lending, Innovative Finance ISA, IF-ISA, secondary market, secured lending, loan-to-value, co-investment, financial technology, alternative finance, UK property market, retail investors, corporate investors, short-term loans, asset-backed lending, investment platform