Am I investing or am I lending?

As a member you are not actually making a 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 for you to read the Risk StatementInvestor Agreement and 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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