Help Build New Family Homes

  • Earn Passive Income of 6.00- 8.00% APR Target Return
  • Co-Fund Short-Term Loans from 3 - 24 Months
  • Benefit from 133% Target Collateral Cover

Secured Lending Accounts

With a  Secured Lending Account from Initiative Ireland, you can join our growing community of Private Individuals and Businesses across Ireland, who are taking charge of their finances and making a lasting impact. You can help to deliver affordable, social and mid-market housing across Ireland and earn returns of up to 8.00% APR on the money in your active funds. Once you select which projects you wish to fund, we manage the loans from end-to-end. We are proud to offer:

At Initiative Ireland we are committed to delivering social impact and protecting our lending community. That is why, as Ireland's largest peer-to-peer secured lending platform, all loans we provide are secured with a 1st legal charge over the property. For every €100k released, we require more than €133k in underlying property security value from the developer, which is held in trust for our borrowers. All loans listed via our platform for funding have been assessed by our credit committee and pre-approved by one of our Primary Credit Partners, who lends alongside you. You can open your Private Lending Account and committ as little as €1,000 per loan, with commitment terms ranging from 3 to 24 months.

For help or information:

Call us on   +353 (0)1 6859259

(Mon-Fri, 9am to 5pm)




Secured Lending Account Benefits

  • Security 1st - Minimum Security Value of 1.33 x Loan Value
  • Social Good - Delivering new family homes across Ireland
  • Short Terms - Co-Fund Loans from 3 to 24 Months
  • Great Return - Earn Up to 8.00% APR


Build your Portfolio

Select Loans to Fund

Payments Made
Securely to your Account

Easy Portfolio Monitoring
(Online 24/7)

Local Knowledge & Industry Experience

Initiative Ireland was founded in 2015 by a team of experienced, proven finance professionals who had a shared vision of delivering positive social impact through financially inclusive and fair services. About Us....


How do I setup a Private Lending Account?

Simply register, indicate that you are signing up as Private Lender and complete the suitability questionnaire to access the platform and view live deals. Transfer a minimum of €1,000 to your regulated e-money account provided (account details provided on the platform) to commence your lending journey.

How long are loan terms?

Loan terms provided to developers will not exceed 24 Months. Because we phase the release of funds to the developers, subject to ongoing review, there are opportunities for lenders to committ funds at the start of the loan, or at later stages. You will see each Loan Listing via our platform once you have been accredited, which indicates the expected term for that listing (ranging from 3 to 24 months).

Can I access my funds early if needed?

Loans may repay early or may take longer to realise. As such, we do not recommend that you committ funds which are needed at short notice. Should you require access to funds early, this may be acheived through re-syndication of your loan which is subject to approval and terms and conditions. Early access may result in a loss or reduction of your accrued interest on that loan. 

Help Build Better Futures

Open Your Account

with Initiative Ireland