Asset-backed lending opportunities typically reserved for banks, pension funds, and large institutions, offering enhanced security and structured oversight.
Cohort Invest is part of the Cohort Capital Group, a specialist property lender. We make it easy for investors to participate in short-term, property-backed loans (also called “bridging loans”), without needing to manage the lending process yourself. Cohort Capital arranges and manages the loans — you simply fund them through Cohort Invest.
Private credit (or private debt) refers to debt financing provided by non-bank lenders to private companies or individuals. These are privately negotiated contracts, often bespoke in structure, between borrower and lender.
Title verification confirms who owns a property and whether restrictions, charges, or defects exist. It ensures the lender can enforce their charge if the borrower defaults.
A diversified portfolio spreads investments across different asset classes, geographies, and risk profiles to reduce risk and improve long‑term growth potential.
By originating and underwriting deals with institutional discipline, then offering them via a transparent platform to eligible investors and introducers.
Unregistered land lacks a formal Land Registry record. This makes ownership harder to prove and increases the risk of hidden claims or disputes.
Cohort Capital originates secured property loans, and Cohort Invest opens up those deals to eligible investors via our online platform.
You choose which loans to fund. Once you’re in, Cohort Invest takes care of the rest — handling loan setup, borrower relationships, repayments, and interest distributions.
Security for each loan is held in trust, protecting your interest in case anything were to happen to the Cohort group. You receive monthly interest payments, and when the loan is repaid, your capital is returned.
Diversification helps protect investors from downturns in any single sector or region, stabilises returns, and increases the chance of capturing growth opportunities.
It offers higher yields than traditional fixed-income, diversifies portfolios with unique performance drivers, and allows tailored financing solutions with flexible terms and repayment structures.
Cohort Invest’s platform allows investors to self‑select property‑backed loans across commercial, residential, and prime residential assets, with opportunities spanning London and the wider UK.
Cohort Invest provides a self-select platform where investors can choose deals based on yield, risk, and term preferences. It offers exposure to real estate-backed loans once reserved for institutions.
Issues include undisclosed mortgages, restrictive covenants, leasehold complications, boundary disputes, and missing or defective title.
Just register via our platform. You’ll need to complete a short suitability assessment and provide ID for KYC/AML checks.
Once approved and the legal documents are signed, you’ll be able to view and fund loan opportunities.
Property-backed bridging loans, SME growth finance, and structured debt linked to receivables or development milestones.
Yes. Each loan carries its own risk profile, often measured by Loan‑to‑Value (LTV) ratios, so investors can align opportunities with their personal risk appetite.
It provides predictable income, asset-backed downside protection, and diversification away from volatile public markets.
Yes — in most cases. We can’t accept US citizens or residents of sanctioned jurisdictions, but otherwise, you’re welcome.
The platform is backed by Cohort Capital’s institutional-grade underwriting, which has maintained zero loan capital losses since 2019. This rigorous due diligence ensures high-quality opportunities with strong risk management.
Usually £100,000, though it may vary slightly by loan. If you’re funding in another currency, the equivalent amount will be converted to GBP.
Underwriting is key. Cohort Capital assesses borrower creditworthiness, ensures solid security, and structures deals with downside protection secured directly on property assets.
No. Diversification reduces risk but cannot remove it entirely. Cohort Invest provides transparency and choice, but investors should conduct due diligence before committing capital.
Investors can access loans secured against commercial real estate, residential properties, and prime residential units, each offering different yield and risk characteristics.
Most loans run for 12 to 36 months. Your funds stay invested until the loan is repaid.
Only when we ask — usually just ahead of a loan completing. We’ll give you full instructions in good time.
Please remember to reference your client number on any transfer to avoid delays.
Before a loan completes, funds go into a secure escrow account, ring-fenced for your protection. These are held with regulated UK banks.
No charges for UK transfers. International banking fees may apply and are deducted from the total sent or received.
We’ll email opportunities to qualified investors from time to time. You can also check the platform directly. Not every deal is shared with every investor, so reach out if you’re actively looking.
Interest is typically paid monthly, about 5 business days after we receive it from the borrower. Capital is returned when the borrower repays the loan.
Upon receiving interest payments and the repayment of the borrowed capital, Cohort Invest then distributes these returns to the respective investors who contributed to financing a particular loan. The distribution of returns is proportional to each investor's contribution relative to the total loan amount, subject to fees and charges.
If a borrower defaults, Cohort Capital handles the recovery process. That could mean enforcing the loan security or restructuring terms. In rare cases, part or all of your capital may be at risk — but this is a last resort.
Not unless you agree to. That said, if a borrower defaults, we may ask you to contribute toward recovery costs (e.g. legal or receiver fees) in proportion to your investment. You can choose not to, but it may affect your share of any recovered amounts.
Each loan is secured against real estate — often with a first or second legal charge. Your share of that security is held on trust, so it’s protected even if Cohort were ever to go out of business.
If you’re UK-based, we’re usually required to withhold 20% tax on loans longer than 12 months. You’ll get a tax report to help with your returns. Tax treatment varies so it's important to speak to a tax adviser.
No — your investment is committed for the full loan term. There’s no option to sell or exit early.
No, Cohort Invest is not FCA-regulated. This means that:
• Your capital is not covered by the Financial Services Compensation Scheme (FSCS)
• You cannot refer complaints to the Financial Ombudsman Service
However, all investor protections are built into the legal structure of each loan. We also have independent legal opinions on our regulatory position available on request.
Every loan is different, so always read the term sheet carefully. Key risks include:
• The borrower may default
• Property values can fall
• Recovery may take time or return less than expected
• There’s no early exit
We don’t offer advice, so please speak to an adviser if you’re unsure.
