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.
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.
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.
Yes — in most cases. We can’t accept US citizens or residents of sanctioned jurisdictions, but otherwise, you’re welcome.
Usually £250,000, though it may vary slightly by loan. If you’re funding in another currency, the equivalent amount will be converted to GBP.
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.
Probably. 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 if you’re overseas — please 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:
• 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.
