Investment approach

We aim to provide unit holders with an attractive level of capital growth of 6% to 8% per annum through exposure to the UK alternative lending market - Peer-2-Peer lending.
 

The Fund’s resources are exclusively loaned against property security and trade receivables directly to borrowers via on-line Peer-to-Peer platforms. As shown on the
chart below, the Fund presently deploys its capital with eight of such platforms and is
constantly looking to broaden its Peer-to-Peer footprint.

As individual loans in the Fund’s portfolio are spread across leading UK regulated lending platforms (we don’t do private unregulated deals), enforceable collateral, due processes and regulatory oversight minimise risks of poor deal structuring and reduce our own DD and legal costs.

Performance summary

Managing risks

Fund’s portfolio is spread over 100 properties secured loans on 5 platforms in the UK.

Active Risk Management: fund investors have several layers of protection:

3S Capital Partners

Peer-to-peer platforms

  • Hand picking quality deals

  • Portfolio diversification

  • Treasury & liquidity management

  • Managing maturity through trading

  • Ongoing performance monitoring

  • Regular meetings with platforms

  • DD and KYC of borrower and security

  • Security holding in trust

  • Secondary market infrastructure

  • Online infrastructure for live client cash and positions reporting

  • Security recovery administration

Please review the Key Information Document to learn more about the Product and related risks

3S UK P2P High Income Fund is a mutual fund administered by 3S
Capital Partners B.V. both existing under the laws of the Netherlands
and registered as the investment fund and the exempt manager with
the Dutch financial regulator AFM.

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