Kuflink
Property-backed P2P lending platform with secondary market. Offers bridging, development, and buy-to-let loans with IFISA wrapper available.
General Information
Founded in 2016, Kuflink offers both an online portal and an app for people to invest in secured property loans, either as single investments or a portfolio of loans. Before the P2P lending platform went online, Kuflink was known as Alpha Bridging and focused solely on bridging loans. The company was originally founded by the Binning family, in particular Satwinder Binning and Rawinder Binning, who had previously worked in UK real estate development. Both individually hold significant shareholdings in the parent company, Kuflink Group PLC, with Rawinder also acting as Director of Regulatory Compliance. Tejwant Chattha is another major shareholder and Director of the company.
In 2025, Kuflink announced a leadership change in which CEO Narinder Khattoare stepped down and Rawinder Binning assumed the CEO role.
Kuflink highlights its FCA authorisation, audited reporting and platform statistics as part of its positioning as an established property lending platform.
How does it work?
Kuflink, either directly or via introducers, sources bridge loans and undertakes due diligence before a loan can be approved by its credit committee. Kuflink promotes fast decisions and funding timelines, which requires a streamlined underwriting process and standardised borrower requirements. Automated valuation tools and third-party service providers are used alongside an in-house underwriting and monitoring team.
What do they offer?
Originally just a bridging lender, Kuflink focuses on property-backed bridge loans, which are short-term lending solutions used where traditional lenders cannot provide financing quickly enough. These can include fast purchases, refurbishments, lease extensions or refinancing situations.
Kuflink publishes a live platform statistics page summarising its loan book and historical activity. As of late 2025, Kuflink reports cumulative lending in excess of £440m, with more than £330m repaid to investors. The active loan book shows an average term of roughly one year and average net loan-to-value ratios in the low-60% range.
Kuflink offers:
- Select (deal-by-deal investing)
- Auto/pooled investment products
- IF-ISA wrapper
- SIPP access via partner providers
Minimum investment thresholds vary by product. Kuflink marketing references entry levels from around £500, though thresholds may differ depending on the structure.
Headline returns are generally marketed in the high single-digit range. Kuflink operates a secondary market for Select investments, charging a seller fee (historically referenced at approximately 0.25%), although sales are not guaranteed.
Who is it for?
Kuflink is one of the more established P2P property lending platforms in the UK market and publishes relatively detailed statistics about its loan book. However, capital remains fully at risk. Since September 2025, investor outcomes depend entirely on borrower repayment performance without company-funded loss support.
Bridge lending can generate attractive yields but delays, extensions and restructures are common within the asset class. Auto/pooled products may appear simpler but still depend on underlying borrower performance. Deal-by-deal investing offers more transparency but requires active loan selection.
Kuflink loans tend to be small, short-term bridge loans across England. While these loans exist outside traditional bank financing and therefore offer higher yields at lower LTVs, they also involve borrower execution risk and market risk. Kuflink provides structured loan information and risk disclosures intended to support investor decision-making.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice, please ask your financial advisor to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisors and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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