Kuflink: Proven IFISA performance
The new tax year begins on 5 April 2025, when investors will get another opportunity to make the most of their ISA allowance by transferring existing funds or opening up a new account.
This year, the Innovative Finance ISA (IFISA) is expected to be more popular than ever, thanks to its strong track record of delivering competitive returns, and the recent expansion of the IFISA to include open-ended property funds and long-term asset funds, in addition to crowdfunding and peer-to-peer loans.
Kuflink has been an approved ISA manager since 2017, making it one of the most seasoned IFISA providers on the market. Since its inception, Kuflink has offered returns of up to 10.26 per cent per year. This exceeds the industry average of 7.61 per cent per annum, according to the latest Peer-to-Peer and Direct Lending (PADL) Index statistics.
Read more: How to invest in an IFISA in 2025
This success is down to several factors. Kuflink has built strong connections within the property sector, allowing it access to lending opportunities that other platforms may not have. The company ensures that all loans are structured with risk-adjusted pricing, meaning that borrowers can obtain flexible and fair funding while investors receive attractive interest rates. Kuflink also operates efficiently, ensuring that more of the returns flow back to investors.
“Kuflink’s ability to deliver consistent returns is the result of a disciplined and structured lending approach that prioritises security, risk management, and transparency,” says Hiran Patel (pictured), chief risk officer at Kuflink.
“Unlike some platforms that focus purely on yield, Kuflink ensures that all loans are secured against UK property, giving investors the reassurance of an asset-backed investment.”
Read more: P2P investors doubled their money over last 10 years
Patel believes that it is the platform’s strict due diligence process which has driven its IFISA success, and enabled Kuflink to build up a strong community of repeat investors.
Before approving a loan, Kuflink carries out comprehensive credit checks, property valuation assessments, and an in-depth assessment of the repayment strategy to ensure that borrowers have the means to repay. As a result of this careful approach, Kuflink repaid more than £73m to its investors last year.
Kuflink also maintains conservative loan-to-value ratios, typically below 75 per cent, which provides a strong safety buffer in the event of a default. In cases where repayments are missed, Kuflink acts swiftly to recover funds, using its expertise in property asset management to secure investor capital. This proactive approach to risk management has allowed Kuflink to protect investor funds while continuing to deliver attractive, tax-free returns.
“One of Kuflink’s most remarkable achievements is its nine-year track record with no investor capital losses,” says Patel.
“This success is largely due to careful risk management, conservative lending practices, and a proactive approach to loan recovery.
Read more: 4th Way launches the first P2P index
“Each loan undergoes rigorous credit and risk assessment, ensuring that only financially stable borrowers are approved.”
Kuflink’s investors have reported that they appreciate the ease of use of the platform, as well as the predictability and stability of the platform’s IFISA, which provides a consistent source of tax-free income.
Investors also have the flexibility to spread their capital across multiple loans using the auto invest account, reducing exposure to any single borrower. These safeguards have played a crucial role in Kuflink’s ability to maintain a zero-capital loss record for investors to date.
“The long-term success of any IFISA provider depends on sustainable risk management, a clear regulatory framework, and a history of delivering consistent returns,” adds Patel.
“Kuflink remains confident that its secured property lending strategy, and rigorous loan assessment process will continue to differentiate it in an increasingly crowded market.”
