Peer-to-Peer Lending

ArchOver connects businesses requiring finance with investors seeking a secure and favourable return.

Our innovative approach to peer-to-peer lending offers transparency throughout the financing process for the benefit of both Lenders and Borrowers. Lender security is our number one focus and our credit analysis is one of the most thorough in the sector. We are the only platform to monthly monitor both the asset value and monthly management accounts against forecast. We have a zero-tolerance policy for late interest payments or reporting. To date, ArchOver has facilitated over £60 million of funding for UK businesses and delivered Lender returns of up to 9% p.a.. 

Our Services

Secured & Insured Loans

‘Secured & Insured’ is our flagship lending service. Secured & Insured loans are secured against a company’s Accounts Receivable (AR), the money owed for the goods and services the business delivers to its customers. The ARs are insured against late or non-payment by Coface, a leading provider of credit insurance and debt recovery services. All Borrowers must take out credit insurance before being approved for a Secured & Insured loan. Our partnership with Coface allows our Credit Team to leverage Coface's analysis of both the Borrower and the creditworthiness of their customers, thereby providing a secondary level of approval.

Secured & Insured loans are secured with a first all-assets charge, registered at Companies House, over the borrowing company. This means we have the first call on the company’s assets, on behalf of Lenders, if the Borrower defaults. We perfect this with a Controlled bank account into which payments from the Borrower’s customers flow that is exclusively under ArchOver’s control. Except in the event of insolvency proceedings, the Controlled account is cleared each day to the Borrower.

Secured & Assigned Loans

Secured & Assigned loans are secured on contracted recurring revenues of established and profitable businesses with loyal clients, looking for a loan to help them expand. Contracted recurring revenue means guaranteed revenues and does not include additional services a company might provide on top. An example might be monthly fees for software, but any technical support is extra.

We register a first all-assets charge at Companies House over the borrowing company. This means that, if things go wrong and the borrowing company needs to be wound up, we have the first call on the company’s assets. We perfect this with a Controlled bank account into which payments from Borrower customers flow that is exclusively under ArchOver’s control. Except in the event of insolvency proceedings, the Controlled account is cleared each day to the Borrower.

Secured Loan

This type of borrowing is very similar to our S&I and S&A services except that, for good reasons, the borrowing company cannot get credit insurance (eg, providing services to HM Government) or we cannot obtain an Assignment of contracts.

We register a first all-assets charge at Companies House over the borrowing company. This means that, if things go wrong and the borrowing company needs to be wound up, we have the first call on the company’s assets. We perfect this with a Controlled bank account into which payments from Borrower customers flow that is exclusively under ArchOver’s control. Except in the event of insolvency proceedings, the control account is cleared each day to the Borrower.

Bespoke Loans

Bespoke loans are made on the same basis as S&I or S&A loans, with the sole exception being the rank of the all-asset charge. Bespoke loans are usually initially secured with a second charge which will, usually within three months, transition to a first charge. The transition to a first charge must be within a short period, usually less than three months. This flexibility allows us to raise larger amounts of money for Borrowers, without initially disturbing existing facilities.

Bespoke lending gives our Lenders the opportunity to, after the initial period when security is weaker than on a usual S&I, S&A or S loan, enjoy a higher rate of interest than is usual. Interest is set to reflect the initial period, the period of weaker security. Interest remains unchanged throughout the period of the loan.

Research & Development Advance

Research & Development Advance is short term lending service against an identified advance being made to the company, in this case, a Research & Development claim. It can take up to six months between a company making an R&D claim and receiving payment from HM Revenue & Customs (HMRC). ArchOver helps companies to bridge this gap by facilitating a loan under our ‘Research & Development Advance’ service.

The R&D Advance is available only to companies that can demonstrate a history of successfully claiming R&D tax credits from HMRC, at least two years of successful claims need to have been made. Additionally, the company must have retained professional advisers to help in the preparation of the R&D tax credit claim. When making the claim, the company seeking the advance must advise HMRC to pay all the funds claimed to an ArchOver Controlled bank account. The directors of the company seeking the advance must warrant that the PAYE, CIS, VAT and CT payments are up to date (ie, that the advance company has no overdue debts to HMRC) and will be maintained up to date throughout the period of the advance. Further, the directors confirm that, in their reasonable opinion and having made reasonable enquiries, the advance company has sufficient funds to trade through the period of the advance and beyond.

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T: +44 (0) 20 7863 6500

Find Us

Registered office:
ArchOver 
40 Gracechurch Street 
London EC3V 0BT