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LND.

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LND's one-stop solution connects institutional investors to underserved real estate business borrowers.

100%
 - 
Funded 5 Feb 2025
£998,640 target
£1,800,280 from 223 investors
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Business overview

Location London, United Kingdom
Social media
Website lnd.capital/
Sectors Finance & Payments Mixed Digital/Non-Digital B2B
Company number 15378066
Incorporation date 31 Dec 2023
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Investment summary

Type Equity
Valuation (pre-money) £20M
Equity offered 4.76%
Tax relief

EIS

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Business highlights

  • Platform connecting institutional investors to real estate loans
  • £7.8b loan applications. Up 52% to £486m last month
  • £750 million of institutional funding
  • £200m+ targeted by Q1 2025
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Key features

  • Secondary Market
  • Nominee investment min. £20.00 +
  • Direct investment min. £25,000.00 +

Pitch

About the Campaign

Banks continue to withdraw from lending to commercial real estate borrowers, leaving a £14 trillion industry with limited options (LND are currently targeting the £1.3 trillion UK commercial property market and hope to expand into the wider £14 trillion European commercial property market).* Our platform provides borrowers with flexible bespoke loan solutions funded by global institutional investors, via streamlined processes powered by tech. This campaign will help to accelerate development of our tech and increase our lending capacity, which we believe will enable us to capture more market share.

*(Source: Statista (2024). Real Estate in the EU-27 & Mordor Intelligence, 2023. Commercial Real Estate Market in United Kingdom - Growth, Trends, and Forecast (2023 - 2028).

Market Opportunity

The £14 trillion commercial property sector is one of the biggest markets in finance, yet we believe that the industry is inadequately capitalised, and borrowers have limited funding options.* Burdensome regulations have pushed banks away from the sector, which we believe creates a large market opportunity.

*(Source: Statista (2024). Real Estate in the EU-27 & Mordor Intelligence, 2023. Commercial Real Estate Market in United Kingdom - Growth, Trends, and Forecast (2023 - 2028).

Traction & Key Accomplishments

• We have secured £750m of funding from institutional partners.

• We launched two flexible loan products aimed at small to midcap business borrowers in the UK, with significant market traction averaging £318m of loan applications a month.

• £7.8 billion of loan applications across 464 deal since launch and until end of June. Monthly loan applications up 52% in June to £486m.

• With £103.8m more signed Heads of Terms in the immediate pipeline, we target to exceed £200m of loans deployed for investors in the coming months, at an average interest rate of 9.26%.

Use of Funds

The funding round will help fuel the development of our proprietary technology infrastructure and increase our lending capacity. The funds will allow us to progress with our hiring and training programme, as well as accelerate our investment to further automate and digitise our processes, with the aim of delivering a complete and simplified experience to UK borrowers and global investors.

Key information

Group Structure

Investors in this round are investing into and will become shareholders of LND Global Ltd. This is the holding company for the group, which owns 100% of LND Advisory and LND Insight.

Share Classes

The Company currently has three classes of shares, Class A Shares, Class B Shares and Class C Shares. All investors in this round, including Seedrs investors, will receive Class C Shares.

Holders of Class C Shares will receive voting rights and dividend rights. Holders of the Class A Shares have voting rights but no rights to receive dividends and holders of the Class B Shares have rights to receive dividends but no voting rights.

On a return of capital or liquidation the proceeds shall be distributed as follows:

1. First, holders of the Class A Shares shall receive an amount equal to the nominal value of their shares; and

2. Second, holders of the Class B Shares and the Class C Shares shall receive the amounts remaining pro rata to their holdings as if they constituted the same class of shares.

Regulatory Declaration:

LND, directly or through its subsidiaries, is a provider of unregulated loans to professional investors and corporate entities. LND does not provide investment advice. LND is not authorised by the Financial Conduct Authority. As such all loans are exempt agreement under the Consumer Credit Act 1974 and the Financial Services and Markets Act 2000 (Regulated Activites) Order 2001.

Reflecting Previous Direct Investment

A portion of the investment, £182,114, reflected in this campaign was received by the Company 3 to 6 months prior to the launch of the investment round on Republic Europe and the Company has started putting this to use.

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Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future.

This webpage is issued by Seedrs Limited (trading as Republic Europe) ("Republic Europe"), and has been approved as a financial promotion for the purposes of s.21 of the Financial Services and Markets Act 2000 by Prosper Capital LLP ("Prosper") which is authorised and regulated by the Financial Conduct Authority with firm reference number 453007 on 26 November 2024. It is not intended to be a promotion of any individual investment opportunity and is not an offer to the public. The summary information provided about investment opportunities on this webpage is intended solely to demonstrate the types of investments available on the Republic Europe platform, and any investment decision should be made on the basis of the full campaign. Full campaigns are available to investors who have become authorised to invest on the Republic Europe platform. It is not for distribution in the United States of America and all investment activities take place within the United Kingdom. Any person resident outside the United Kingdom should ensure that they are not subject to any local regulations before investing.

Neither Republic Europe nor Prosper provide advice or recommendations in relation to any investment on this site. No communications from Republic Europe, through this website or any other medium, should be construed as an investment recommendation. Further, nothing on this website shall be considered an offer to sell, or a solicitation of an offer to buy, any security to any person in any jurisdiction to whom or in which such offer, solicitation or sale is unlawful. Neither Republic Europe nor Prosper provides legal, financial or tax advice of any kind. If you have any questions with respect to legal, financial or tax matters relevant to your interactions with Republic Europe, you should consult a professional adviser.

Tax Relief (SEIS)

This business is eligible for SEIS relief - providing qualifying investors with income tax relief of 50% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Tax Relief (EIS)

This business is eligible for EIS relief - providing qualifying investors with income tax relief of 30% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Valuation (pre-money)

Valuation rounded from £20,000,000

This is the fully-diluted pre-money valuation of the business (i.e. before the new investment comes in and including issued options and other equity interests). In contrast, the post-money valuation is based on inclusion of the new investment in the value.

It is calculated as the pre-money valuation plus the amount of new investment. e.g. If Company A is ascribed a pre-money valuation of £1,200,000 by prospective investors investing £300,000, its post-money valuation is £1,500,000.

The investee business is responsible for setting its own valuation, it has not been prescribed by Seedrs.

Pitch type

Investing in a regular equity campaign is the simplest and most common way to invest in a startup. You decide which business you want to invest in, and if the campaign hits its funding target then you will become one of their shareholders. As the company becomes more valuable, so do your shares; allowing you the opportunity to share in the future success of the business.

Learn more about pitch type on Seedrs

Equity Offered

The equity offered is the percentage of the company’s shares being issued in return for the amount of investment raised.

When the amount raised is less than 100%, the equity offered is based on the target raise. Once the company has raised over 100% it is based on the total raised.

In some scenarios, entrepreneurs may accept additional direct investment after closing their Seedrs campaign. Provided this is within 6 months of the closing and on the same terms, we do not typically offer pre-emption rights on that extra investment (where you have the opportunity to invest again to maintain your percentage shareholding).

Learn more about investing and pre-emption rights.

Nominee investment

This shows if you are able to choose, when making an investment, that you be represented by, and your shareholding be managed by, the Nominee investment.

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Custodian

If you invest in this Campaign, Seedrs will act as Custodian rather than provide our standard nominee service. This is due to the fact that the business is not directly involved in the share sale and Seedrs will not benefit from any rights under a shareholder agreement. As a result, Seedrs will handle administrative tasks as we do normally, but you will not have information or voting rights, updates from the business, preemption on future fundraising, or ongoing support about business trading activity.

Learn more about Custodian here

Secondary market

This shows if the business has opted-in or opted-out of allowing its shares to be bought and sold on the secondary market.

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Direct investment

This is an option to invest and hold shares 'directly' in the company (rather than via the Nominee investment). This option is only available to those investing over the threshold amount, which is determined by the fundraising company.

If you choose to hold your shares directly, you will be responsible for any contractual or administrative arrangements with the company you are investing in.

Find out more

Payment options

We are not able to accept card payments for investments into this sector. You can pay for your investment by creating a bank transfer, using funds in your investment account or create a Pay by Bank payment. Your investment will only be completed once the funds have reached our account.

Business Involvement

This Campaign offers shares for sale in business that is not directly involved in this Campaign or the sale. As a result, the Campaign and post-investment experience, including investor rights, will differ from a business-led campaign on Seedrs. Most notably, the business will not engage with investors in the discussion forums both during and after the sale or provide any updates to investors.

Learn more here

Payment options

We are not able to accept Pay by Bank payments for investments into this sector. You can pay for your investment with a card payment, by creating a bank transfer or by using funds in your investment account. Your investment will only be completed once the funds have reached our account.

Drawdowns

This campaign offers the ability to pay for an investment by drawdowns.

Security Token

A security token is a digital asset that represents ownership or other rights. It is a digital form of traditional investments. In the future, you may be able to trade your investment through compatible exchanges.

Warning

You are following a link outside of europe.republic.com.

None of the information in constitutes part of the campaign and it has not been approved or reviewed by Seedrs.

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