Delivering Tailored Investment Solutions: How Secured Credit Fund 3 Sets a New Standard in the Market

LendInvest’s Secured Credit Fund 3 (LSCF 3) has been recognised as the Most Innovative In-House Solution at the Wealth Briefing Swiss Awards 2025 – an accolade that underscores our commitment to delivering tailored investment solutions that address the evolving needs of sophisticated investors.

At a time when investors are seeking greater control, transparency, and predictability, LSCF 3 was designed to provide a differentiated approach to secured credit investment. Rather than a traditional co-mingled strategy, the fund is structured as a dedicated bridging fund, aligning liquidity with underlying assets to mitigate key historical risks in the sector. By doing so, it delivers enhanced liquidity protections, robust asset-liability matching, and a distributing share class, offering quarterly income with a target net return of 8–10% per annum, exceeding inflation and interest rates.

Why Bridging Finance Remains a Strong Investment Opportunity

Bridging finance plays a critical role in the UK property market, enabling developers and investors to move quickly on opportunities without compromising on financial discipline. As traditional lenders have tightened criteria, the demand for specialist short-term finance solutions has grown – particularly for projects that support the upcycling and retrofitting of the UK’s housing stock.

For developers, bridging loans provide the flexibility to secure sites, fund refurbishments, and unlock capital for reinvestment before transitioning to longer-term financing. Used strategically alongside other financial instruments, bridging finance is an essential part of a developer’s toolkit, supporting everything from initial site acquisition to stabilisation before a refinancing event.

This strength of demand reflects the wider resilience of the UK housing market, where supply shortages and the need for modernisation continue to create compelling opportunities for investors. Even against a backdrop of market volatility, well-structured bridging finance offers high-quality, asset-backed lending with attractive risk-adjusted returns – making it a valuable component in a diversified investment strategy.

Listening to Investors and Refining the Proposition

Investor feedback has been central to the fund’s development. Many sophisticated investors have told us that they value simplicity, transparency, and clear alignment between risk and return. LSCF 3 was structured with these priorities in mind, ensuring that investors can access a strategy tailored to their expectations – without the opacity and complexity that can characterise secured credit investments.

The fund’s evergreen structure further enhances its appeal, offering long-term stability while allowing for sustained capital deployment in a sector where demand for short-term finance remains strong. This ensures that investors benefit from exposure to a well-diversified portfolio of high-quality bridging loans, selected through a rigorous underwriting process that prioritises stability and resilience.

Technology and Expertise as Key Differentiators

In a market where risk management is critical, we combine industry-leading expertise with proprietary technology to deliver consistent performance. LendInvest’s digital infrastructure is a fundamental enabler of the fund’s success, allowing us to process thousands of applications each month and efficiently originate high-quality opportunities. This granular portfolio approach, with around 300 underlying loans at capacity, is designed to enhance risk-adjusted returns and create a well-diversified exposure for investors.

Alongside our technological edge, our team’s deep industry expertise plays a pivotal role in the fund’s performance. Led by co-founder and CIO Ian Thomas and CEO Rod Lockhart, our investment team includes leading professionals such as APL board members and RICS Chartered Surveyors, ensuring that every lending decision is guided by a meticulous assessment of risk and return.

We are also particularly proud of Sam Woodward, who played a key role in the fund’s inception and has been recognised with the Rising Star Award. His journey from product specialist to an industry-recognised fund manager exemplifies the calibre of expertise that underpins our success.

Raising the Bar in Secured Credit Investing

Recognition from WealthBriefing is an important milestone, but our focus remains on pushing the boundaries of innovation in secured credit investing. With the development of specialist investment vehicles such as our Development Fund and Life Sciences Development Fund, we continue to evolve our product suite to provide investors with compelling, risk-adjusted opportunities.

LSCF 3 is a reflection of our broader approach – listening to investors, anticipating market shifts, and delivering solutions that stand apart. By aligning investment strategies with investor needs and leveraging our deep expertise in property finance, we remain committed to setting new standards in the industry.