Am I investing or am I lending?

As a member you are not making a direct loan to a borrower, so you are not lending. Instead, you are investing in a Note which is a debt security. The Notes are further described here. It is important that you read the Risk Statement and Investor Agreement and our FAQs before investing.

Investing in wiseAlpha Notes involves risks including potential illiquidity and loss of investment. Our Notes are not deposit based or capital protected and are not covered by the Financial Services Compensation Scheme.The interest rate on our products is not comparable to that of a bank savings account. See Risk Statement.

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