In a world filled with online crimes, this is a very important question to ask. Liquid Bridge Fund (Pty) Ltd. (also referred to as 'Liquid Bridge' or 'LBF') is a legitimate company incorporated in the Republic of South Africa, with Registration number: 2021/359597/07

Liquid Bridge is a licensed and authorized Financial Services provider with FSP number: 53058.

Liquid Bridge is authorized by the Financial Sector Conduct Authority (FSCA) to hold and manage clients' funds in accordance with the Financial Advisory and Intermediary Services Act 37 of 2002.

Our business model was created with investors' comfort and ease of access at the core. This is one of the reasons we prefer to keep investors' funds in accounts opened in the name of each investor at a reputable and registered Bank, making it easier for investors to keep track of their funds and access their funds.

Auditing firm Harvest Assurance Inc. is mandated to perform audits on our books and transaction to ensure that our management of your funds and the overall institution is conducted in accordance with the applicable Regulatory and legislative requirements.

Bridging Finance comes in many shapes and forms which are designed to bridge the financial gaps encountered in financial transactions, an Industry created as an alternative to the credit market.

In Bridging Finance, a Customer (Seller) sells their Rights to Future Proceeds (Revenue from sale) to the Bridging Financier (Buyer/Us), allowing the Seller to have immediate access to cash and allowing Us to make a profit from the Discounting Fee charged and any other fees applied in the transaction.

We currently Specialize in Bridging Finance of Property Sales where We provide Finance to Sellers of Immovable Property.

P2P Bridging is where Retail Investors (You) Invest in People needing Funds to fulfil a Profitable Financial transaction This is often done through a Digital Platform (Us) that Facilitates the Investment and Settlement, the Platform is referred to as an Intermediary and acts as Bridge between all Parties involved. Here are some of the Responsibilities of the Bridge/Intermediary:

• Vetting of Parties (Investors, Sellers, Conveyancers) - This Vetting Ensures Compliance with FICA, Our Policies and other Applicable Laws.
• Vetting of Funds (deposits, investments, bridging) - This Vetting Ensures Compliance with Anti Money Laundering and Combating Terrorism Financing
• Vetting of Investments (bridging finance transactions) - This Vetting Ensures that the Transactions Risks (e.g. default risk) are Well Managed
• Safeguarding of Funds - Strong Measures to Protect Investors' Funds from Risk such as Theft and Misappropriation. 
• Added Protection - Insurance Cover as Added Layer of Protection Against Various Risks.
• Settlement of Funds - this process ensures the invested Funds and Returns are Settled in accordance with the agreements.

Professionalism, Integrity Competence, Compliance, People - A non-negotiable requirement for growth & sustainability.

Peer-to-Peer, A Fast Growing Market for Many Years

According to Coherent Market Insights, "the global Peer-to-Peer Lending Market was accounted for $124.9 Billion (over R2.2 Trillion) in terms of value in 2019 and is expected to grow at a compounded Annual Growth Rate (CAGR) of 48.2% for the period 2019-2027. "

The P2P Lending Market is a Relatively New Market (since 2005), it Has Since Evolved to Become a Matured Ecosystem in the UK and US, it Has Also Begun Emerging in Markets such as China, Australia, Japan, and India.

No, You do not have to Invest in P2P Bridging transactions if You Don't want to be exposed to such Risk and Reward.

Staying True to Our Mantra of "Flexibility is Our Flex", We Aim to provide You with the Highest Level of Flexibility Possible. This means that You can Open an Account with Us even if You are Not Ready to Invest in P2P Bridging, This is One of The reasons We Open an Investment Account for You so That your Money Stays Growing even if it is not being Bridged.

You have the Freedom of Choice with Liquid Bridge Fund, You can opt-in and out P2P Bridging whenever You want to do so, You can even Open an Account when You don't have the Funds to Deposit and Activate Your Investment Account. Having a Profile with Us gives You Access to Various Additional Services and Perks We offer such as Financial Literacy tools.

Protecting Your Funds Is Our Highest Priority! Here are some of the Measures we have in place to safeguard Your Funds:

• Investors' funds are kept separate from the institution's funds in secured interest-bearing accounts (Investment Accounts) individually opened in the name of each investor.
• The Investment Accounts are administered through a 256-Bit encrypted facility.
• We maintains the necessary liquidity in the institution as required by the FSCA. We are prohibited by law from using your funds for our own expenses
• Bridged funds are subject to risks associated with the property sale which are disclosed in our P2P Risk Disclosure and explained in our Risk Management Policy.

Our broader Risk Management Policy is designed to minimize and/or eliminate foreseeable risks such as fraud, money laundering, and bridging finance transaction default risks.

Assuming you’ve deposited R100 000 into your Facility account; the net bank rate is 6.50% per annum and the BAR is 15% per annum.

Scenario 1: You could earn R1 232.90 BAR in 30 days if the FULL amount is Bridged. 

Scenario 2: You could earn R534.20 Bank interest in 30 days if NO amount is Bridged.

Scenario 3: You could earn R616.40 Bar and R267.10 Bank interest in 30 days if HALF of the deposited amount is Bridged.

*Bridged means having your funds invested in Bridging Finance transactions.

**BAR is calculated daily on the amount bridged out and paid on settlement of the Bridging Finance transaction.

***Bank interest is calculated daily on the balance in the Investment Account and paid Monthly.

Risk Disclaimer:

Whilst the invested capital and returns are secured by the proceeds from property sale, these funds remain subject to the risk of the property sale falling through and risks of non-compliance by the parties involved in the property sale (buyer, seller, and conveyancer) – see our Risk Management Policy. 

Yes. Every Investment Comes with Risks, Risks are What Warrant Rewards. With P2P Bridging, Your Bridged Capital is securred by the Property Sale, this means that the Property Sold which we offer Bridging Finance on must be Successfully Transferred to the New Owner's name at the Deeds Office for you to receive Your Capital plus Returns.

If the Sale falls through, it may take longer for You to Receive Your Funds and You might not Receive the Full Amount due or any Amount at all. This is because We have to institute Collections Procedures in the case of such default which may involve Legal Proceedings Against the Property Seller, what You Would Receive in such an instance is Based on the outcomes of those Legal Proceedings less costs of such  proceedings.

• You can withdraw funds available in your Facility (Investment) Account at any time by simply using 1 of secured communications channels such as email, secured chat or our P2P Platform (coming soon). The withdrawal request will be processed within 3 working days and the funds will be sent to your verified withdrawal account.
• Bridged out funds can be withdrawn along with profits as soon as they become available in your Facility Account. Funds invested in Bridging Finance transactions (bridged out) usually get settled back into your Facility Account along with profits within 90 Days. The 90 Days estimate is based on the average amount of time a Property transfer takes to Register at the Deeds Office. 

Our finance structure is defined as follows:

Bridging Finance = the business of purchasing the rights of persons who have entered into agreements for the sale of their Assets but are yet to receive payment in terms of those agreements.

Example: John has finally secured a buyer for his home and the sale process has begun, John realizes that he will need to pay R50 000 which he doesn't have to get rates clearance certificates required as part of the property sale process, now the sale is stuck and he risks losing the buyer. If only John could somehow access the proceeds of the sale before the sale is concluded. John asks his Conveyancer to advance him the funds, but the conveyancer is prohibited from doing such due so the smart conveyancer tells John about Liquid Bridge and how they can quickly solve his problem through bridging finance.

Yes and No, certain aspects and events of Bridging Finance fall within the ambit of of the National Credit Act. When such events take place, they trigger compliance with the National Credit Regulator (NCR), this is why our agreements are in partnership with a licensed credit provider.

A default is one of the events which may trigger the NCR as the customer may become subject to instalment payments after such default.

Our Rates:

Our Discounting Fee starts from R1.25 per R1000 per Day, this is equivalent to 0.125% per day. 

Example: If you Bridge you R100 000 for 30 days at the abovementioned rate, our Discounting fee will be R3750 in 30 days.

The BAR (profits) which we pay P2P Investors is derived from the Discounting Fee and the rate which we offer You as an Investor is carefully thought out to ensure that we able to stay sustainably profitable after paying you your capital plus returns.

1. No credit risk - The investment and returns are secured by the proceeds from the property sale and not the income streams of the seller. Recessions do not affect collections.
2. Well-defined risk - The main risk of this investment is the property sale 'falling through' (sale being cancelled for whatever reason). Our processes and policies are largely built to address this risk. Example: Our qualifying criteria includes the condition that funds for purchasing the property must already be secured from the buyer by the Conveyancing Attorney, and all suspensive conditions for the sale must already be met.
3. Clear investment exit strategy - Property sale transactions are generally finalized within 90 days, this means that investors know to expect their invested capital and returns within 3 months. Investors are kept updated on transactions that exceed the 90-day period.
4. Passive investment - Investors don't have to worry about picking and choosing transactions to invest in, which would have required them to be skilled in assessing the risks of each transaction.
5. Auto Diversification – When a bridging finance application is approved, your funds are proportionally invested along with the funds of other investors. This means that your funds are invested into multiple bridging finance transactions.

You can Terminate your Account at anytime by simply contacting us.

When You Terminate, funds available in Your Investment Account will be Paid Out to your Nominated Account within 3 working days.

• Any funds that are  already Bridged when You Terminated will be Paid into Your Investment Account on settlement and Paid Out to Your Nominated Account within 3 working days.
• Your Investment Account will be closed at the Bank within 32 days after all your Bridged Funds have been Paid Out to you