AVOID this P2P property platform.
Avoid this P2P property platform. Their due diligence on development and bridge‑finance offers is superficial, with weak covenants and limited independent oversight. Their developer vetting is weak and cursory, underwriting ignores LTV and exit‑assumption risk, and portfolio construction creates concentration and liquidity mismatches. Retail investors face elevated counterparty risk and a materially much higher chance of capital loss — DO NOT INVEST!
Vastaus yritykseltä CapitalStackers
We welcome genuine feedback and informed discussion about investment risk. However, this review contains a number of claims presented as fact that are inaccurate and unsupported.
CapitalStackers does not operate a speculative bridging finance model of the type implied. We provide structured property development finance and, in certain cases, short-term sales-bridging connected to completed developments. Conflating these activities materially misrepresents our lending model.
The suggestion that our due diligence, underwriting and developer vetting are “superficial” is incorrect. Every transaction undergoes detailed assessment, including borrower track record, project viability, comparable market evidence, loan-to-value ratios, exit strategy, interest cover and downside sensitivity analysis.
Independent professionals - including valuers, solicitors and monitoring surveyors - are engaged throughout the lifecycle of each loan.
The claim that LTV and exit risk are “ignored” is also inaccurate. LTV is a core component of our underwriting framework and is continuously monitored and disclosed to investors.
As these statements relate to how our business operates, rather than matters of opinion, we believe it is important to correct the record. We asked the reviewer to provide an investor reference so that we could investigate their concerns, but no details were provided.
Our approach to underwriting and monitoring has been independently recognised by specialist review platform 4th Way, which stated that our processes go “beyond the comprehensive assessments typically expected” in this sector.
That said, all property-backed investments carry risk, particularly in the junior debt space. Investors must pass an appropriateness assessment before investing, demonstrating an understanding of risks including capital loss, illiquidity, development risk, market risk and borrower default.
We therefore strongly disagree with the characterisation presented, which does not reflect our lending model, underwriting standards or risk controls.