GRID Wealth

Retail Lending

GRID Wealth gives you access to a selection of credit-worthy Irish businesses seeking finance.

GRID Wealth gives people access to a smart investment mix on the GRID

How Does it Work?

Irish businesses apply for finance through GRID Business where our team undertake a robust credit assessment. The business must receive a minimum GRID Score before being made available to GRID Wealth clients to make a lending offer. As a GRID Wealth client, you can lend as little as €5 to as much as 50% of the loan amount. You set the loan interest rate which can range between 5% – 15%. Loans are repaid monthly, principal plus interest, directly to your GRID Wealth account. The GRID Team acts as the intermediary between both parties, managing the loan book throughout the term of your loan portfolio.


There are many benefits to lending on GRID’s Platform including:

1. High Returns

Peer-to-Business lending gives investors an average of 9% return depending on risk profile.

2. Immediate Returns

Investors begin earning returns within one month, and every month thereafter, for the term of the loan.

3. Diversification

Peer-to-Business lending investment performance is highly uncorrelated with stocks or bonds and can be widely diversified across industry sectors and risk profiles.

4. Liquidity of Investments

Loans are repaid monthly meaning that your investment in a 36-month loan will liquidate by 1/36th every month, made up of principal plus interest.

5. Low Risk

Since conception, there has been 0.55% defaulted loans on the GRID, with a prudent 1.5% default rate forecast over the long term.

6. Impact Investing

Lending to SMEs via peer-to-business lending allows you to support businesses in Ireland while earning a return on your investment.

Get started


Create an account

Use Facebook, Twitter or your email to quickly set up your lender profile.


Credit your account

Add funds to your lender account by credit card, debit card or bank transfer.


Lend to Businesses

Lend to businesses at the amount and interest rate that you choose.

Request call back

Managed Account Service

You can choose to manage your own investment or instead avail of GRID’s complimentary managed account service. The GRID Team will be on hand to help in either instance. For more information on joining our Managed Account Lenders, download our prospectus:

Are you a broker or financial advisor with clients seeking new investment opportunities?

How to Apply

Add funds by credit /debit card, cheque
or bank transfer.


Lend the amount and at an interest
rate that you choose.

Trust and Security at GRID Wealth

We take security and privacy very seriously here at GRID Finance. We employ best in class practices and our site security is verified by independent security auditors


Customer funds are safely held within a central bank of Ireland regulated bank account and can never be accessed through the GRID Finance platform.

Data Security

GRID Finance are committed to ensuring that your data is secure at all times by adhering to the data protection laws (1998, 2003) and the European Union e-Privacy directive which became law in Ireland in 2011.

SSL Encryption

Your information is encrypted right from registration. We use the latest 256-bit encryption to ensure that your information is always safe.