InstaLend is an online lending platform that provides accredited investors with access to senior debt investment offerings in residential real estate.

Join investors


4.5% - 12%

Asset Class Return1Y

#20 Rank

In Lending30d


Invest from



Earn monthly cash flow through Instalend. Invest online in senior debt real estate opportunities and earn monthly distributions. InstaLend has introduced technology and transparency to real estate, an industry that was long overdue for disruption. InstaLend’s technology is making possible a new generation of underwriting that is secure and consistent. Every loan on their platform is secured by placing a first lien on the property. This gives investors significant protection and steady cash-flow.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment

    6+ months

  • Target Return

    9% - 12%

  • Liquidity


  • Open to

    Accredited Only

  • Mobile Application


Top Perks

  • Instant access to pre-vetted deals.

  • Accrue immediate returns once the loan is closed.

  • Invest in senior debt offerings.

See inside MoneyMade’s 6-figure multi-asset portfolio


12+ Assets

50+ Platforms

4yr+ Returns

How you make money

When you invest in an InstaLend offering, you are investing in a borrower payment dependent note (“BPDN”)—a promissory note in which the investor receives a stated interest rate for a stated term that is dependent on payment of the underlying loan between InstaLend and the property developer. Each investment you make is associated with a first position lien on the underlying asset (real estate).

How InstaLend makes money

While there are no out-of-pocket fees for investors, they may try to collect a spread on each loan to cover ongoing investor reporting and communications relating to the investment. The interest rate you see for each deal is the annual interest rate you collect NET of any spreads Instalend may collect.

Is it safe?

Default Risk — Investments are neither FDIC insured nor equivalent to bank CDs or Treasury notes. Inflation Risk — Similar to bonds (since there’s a fixed rate), you have the risk of inflation eating at your returns. However, with the high rate of return, this risk is reduced. Liquidity Risk: Loans are typically held for the duration of the term Economy Risk — Another recession will more than likely increase overall defaults of individuals within InstaLend. This would cause your return to decrease.

  • Established


  • Country Available

    US Only

  • Assets Managed


How You're Taxed

Income Tax

Income Tax

Profits earned from P2P Lending are taxed at ordinary income tax rates. This means that profits are added to your total income for the year.

You can receive income from P2P lending tax free if you invest using certain accounts.


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