info@melding.co.uk

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Benefits of using our Services

Melding Limited was created to give both Lenders and Borrowers and alternative Peer to Peer service, where the computers don’t make the decisions! The business prides itself on the fact that we get to know both sides of each transaction, to ensure both a financial and a commercial fit. 

You could say it's back to basics - simple face-to-face communications.

Secured Lending

Secured Lending

We believe in reducing the risks of any loan, which is why we only deal with Asset backed loans. All Entrepreneurs whom we deal with understand this key principle. 

Keeping it Simple

Keeping it Simple

Which is what we believe any Investor or Entrepreneur wants when it comes to making money. We take the hassle out of 'doing the deal'! 

Maintain Your Focus

Maintain Your Focus

You focus on what you’re good at and let us help you achieve your goals and objectives with our professional bespoke service.

You're in Control

You're in Control

Our service is here to guide you through all the legalities and administration but the important part is that at you are in control of the application process. 

If you’d like a different, personal approach please feel free to give us a call and we’d be only to happy to help.

Investor's Process

Register as an Investor

Register with us to become one of our Approved Lenders. It’s simple and quick.

You can then start to enjoy the services that we have to offer by giving you the ability to earn more on your Investment funds.

            ↓  Click below for further details.

The Application Process

1. Download and complete an application to become an approved Lender and submit to us with any required information

2. Once we receive your completed application, well arrange a brief online interview to ensure that we understand your expectations and for our own internal compliance purposes

3. As you’d expect, this process will involve Melding Ltd confirming and qualifying that you are who you say you are and that you can satisfy the various criteria that are laid down by the FCA/AML. For more details click here.

4. Well then review your application and let you know whether your account has been approved

Register Now to see if you meet the Criteria

Review Potential Projects

Once you’re an approved Lender, we’ll send you any potential projects as soon as they are added to our files. You can rest assured that this will only be after we have completed our own comprehensive internal Due diligence.

The key is the choice is always yours. You’re in control of your own investment decisions, based upon all the facts in your possession.

            ↓  Click below for further details.

The Review (Due Diligence) Process

1. Well send you any potential new projects for your review via a secured online line account

2. Although we would have completed our own internal due diligence before having sent the information to yourself, the responsibility still remains with you to ensure that you are happy with the information provided, before committing yourself to any funding arrangement(s)

3. You’ll have the opportunity to ask any questions that you’d may have with regards the new funding request and we will endeavor to have your questions answered in a timely and efficient basis

Accept or Reject?

Simply let us know whether you’d like to fund part or all of the project and well take care of all the legal and administrative documentation.

            ↓  Click below for further details.

The Deal Process

1.     After you have completed your own due diligence, we’ll then ask you to either confirm or reject the funding request

2.     If you decide to invest, we’ll ask you to confirm the amount that you are prepared to pledge (£50,000 minimum) via a simple acceptance process

3.     We’ll then employ the services of our retained legal council (Capital Law) to instigate and review any Security documentation that would stand as security against the loan agreement. Costs would be Bourne by the Borrower as part of the Loan fee

4.     You’ll then have the opportunity to review the Loan and Security documents to ensure that you are satisfied with there form and then formally give us your acceptance

5.     Only after having your confirmed acceptance (and having received signed loan and security documentation) will any funds be released from our client account

6.     Melding Security Trust Limited will hold signed copies and will act as Trustee and Agent for all Lenders

7.     We’ll then monitor all repayments and transfer into your designated account

Repeat.....

That’s it!

We hope that you like our service so much that you’ll use us over and over again.

Melding Ltd (No. 8717078) and Melding Security Trustee Company Ltd (No. 9281426) are registered in England and Wales. Trading office is Melding Limited, Kemp House, 152 City Road, London EC1V 2NX. Registered office is 20-22 Wenlock Road, London N1 7GU. 

Melding Ltd is regulated by the Financial Conduct Authority (FCA) 723131 and is registered with the Office of the Information Commissioner, Reg no. A1023157. Melding Ltd is also regulated by the Anti Money Laundering Act of 2007. Melding Ltd or any of its associated companies are not covered by the Financial Services Compensation scheme.

Risk Warning: Investments through Melding Ltd involves making direct loans to individuals and companies. You could lose all or part of your capital. Prospective Lenders should note that past performance should not be seen as an indication of future performance. The value of a loan and the income from it can fall as well as rise and Lenders may not get back the amount originally loaned. Therefore you should only make investment in unlisted companies which you can afford to lose without having any significant impact on your overall financial position or commitments. Taxation levels, bases and reliefs may change if the law changes and independent advice should be sought. We will not have any liability for any legal, investment or tax issues in connection with any loan you decide to make through our website.

You could lose all or part of your capital.

Melding Ltd is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest via Melding Ltd and Melding Security Trust Ltd once you have agreed to our standard terms and conditions and are registered on our records as a sufficiently sophisticated investor.

Copyright © Melding Ltd 2013-17 | Site designed and created by Rudy Poonwasie

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