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Frequently Asked Questions

Currently, KeyStartFunds is a new global peer-to-peer lending marketplace that connects investors with borrowers of various lenders and investors from around the world. It is an easy and transparent alternative to the traditional banking system.

At KeyStartFunds, both retail and institutional investors can invest in fractions of loans originated across different continents and loan types. Currently, we offer the opportunity to invest in mortgage loans, personal unsecured loans, secured car loans, invoices, and small business loans.

By connecting to the KeyStartFunds marketplace, borrowers get instant access to investors that are looking to purchase loans.

✔ How do I invest ?

First, you need to have available funds in your account at KeyStartFunds to make investments. Learn how to transfer funds to your KeyStartFunds account in the "how to transfer funds" section.

Once you have sufficient funds, there are two ways to invest:

1) Auto Invest
- Set your preferred investing criteria, which you can change whenever you like; - Save time and effort, diversify your portfolio by investing in several loans at once;
- Make your money work by continuously reinvesting the interest earned in new loans, accruing compound interest;
- Automatically invest in new loans as soon as they appear in the system without even having to log in. Keep in mind that you can stop Auto Invest at any time.

2) Manual Investing

- Browse loans currently listed on the KeyStartFunds marketplace and select loans individually to build your portfolio;
- Invest funds in the selected loans or their parts, with the option of reinvesting funds received from borrower payments.

Each borrower makes monthly or bi-monthly payments according to their loan agreements, which can consist of principal, interest and late payment fees, or any combination of the above.

The principal part of the payment reduces the carrying value of your investment in the loan, while the interest and late payment fee portion of the payment is treated as your income.

Your portion of the payment, which is calculated based on your investment in any particular loan, will be added to your KeyStartFunds account after the payment has been processed. You can then choose to invest the funds in more loans or transfer them to your bitcoin account. Because different loans have different payment due dates, most investors with multiple investments see a continuous stream of payments added to their KeyStartFunds account throughout the month.

The minimum investment in any single loan on the primary market is 10USD, But different loans have specified different minimum investments according to the loan terms.
For easier global transactions, KeyStartFunds only uses bitcoin for all kind of transfers. Deposits and withdrawals are made using Bitcoin. You can transfer money to your KeyStartFunds account from your bitcoin wallet.
You will receive invested money as defined in each loan payment schedule, which depends on the loan term and loan amortization method.
It depends on your investment style. You can use a passive investment style and make investments through Auto Invest, in which case you only need to determine Auto Invest configurations and the amount of your time devoted to choosing investments is minimal. If you want to employ a more active investment style and pick each investment individually, the time necessary will depend on the number of your investments.

Auto Invest automatically implements your chosen investment strategy. After you have entered your investment criteria, Auto Invest will automatically invest in suitable loans. You can access Auto Invest at any time and follow your portfolio activity in real time to make sure it is working according to your investment goals. Auto Invest is a very efficient tool for saving time spent on investment activities. It also allows you to access newly placed loans in the system before manually-made investments.

You can pause or cancel Auto Invest at any time.

Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet them. Auto Invest will then continue to automatically analyze and invest in suitable new loans as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to make sure they meet your investment criteria.  

You can permanently or temporarily pause Auto Invest by clicking the Stop/Deactivate button in your Auto Invest settings. This will pause the function immediately. You can reactivate Auto Invest at any time.
Yes. Auto Invest users can also browse loans and invest manually at any time. However, doing so may result in a portfolio of investments that diverges from your Auto Invest criteria.
There is no additional cost for using Auto Invest.
Once you have confirmed your investment criteria, Auto Invest will review loan listings and invest funds in loans that meet your preferences. Auto Invest will continue to automatically analyze and invest in new loans that match your preferences as soon as they are listed. If you change any Auto Invest setting, all available loan listings will be rechecked to ensure they meet your investment criteria. Auto Invest works based on a queuing system. If the demand from different Auto Invest portfolios for any single loan is larger than the available loan, various factors based on our proprietary algorithm are taken into account in queuing portfolios.
When Auto Invest is not investing, it is usually due to a lack of available loans corresponding to your settings, or because Auto Invest is not configured properly, i.e. the settings are mutually contradictory. The most common error is to set a preference for maximum loan-to-value (LTV), when the intent is to invest in loans without collateral. Setting the value for “maximum LTV” will only allow Auto Invest to select loans with collateral, taking into account the selected LTV.
Yes, you can turn it on or off at any time.

As with any investment, investment through KeyStartFunds carries some degree of risk. Each investor is responsible for evaluating associated risks before making an investment.

1. Credit risk/Default risk
There is a possibility that the borrower will not make future scheduled payments; as a result, the investor may lose part or all of the investment made. The amount of possible loss, if any, would depend on the type of loan. For example, in the case of default on a secured loan, such as a mortgage or car loan, the repayment of the loan would be made by first realizing the collateral, and second by trying to recover the outstanding amount from the borrower; this should result in a lower loss of funds, if any. In the case of an unsecured loan, the repayment will depend on successful recovery of outstanding amount from the borrower, which might result in a higher loss, if any, when compared to the secured loan.

The credit risk of the borrower can be minimized by making investments in loans with a buyback guarantee. This removes the possibility of loss from an individual investment because the loan would be bought back by the KeyStartFunds.

2. Cash flow timing risk
All payments from an investment in a loan are directly linked to the actual payments done by the borrower. There may be situations in which the borrower makes a payment after the scheduled payment date; as a result, the investor may receive cash flows later than expected. Depending on the clauses of the loan agreement and circumstances, investors may be compensated for late payments with late payment fees.

3. Prepayment risk
The borrower usually has an option to repay the loan early, which is usually done by repaying the principal and accrued interest up to the date of early repayment. In the event the investor had made the investment at a premium, the unamortized part of the premium would be lost.

In order to minimize any of the above-mentioned risks, investors can diversify their investments across different borrowers, loan products, and geographies.

Investors conduct transactions through KeyStartFunds directly and at their own risk and responsibility. Investors are aware and understand that they may lose some or all of their invested funds, and take full responsibility for the occurrence of such losses. Currently investors are not protected by any financial compensation scheme , for example, scheme such as the depositor compensations scheme for clients of credit institutions or the protection of financial instrument market clients receiving services from a licensed investment service provider. Prior to making investments please read through the FAQ, User Agreement and Assignment Agreement.
A buyback guarantee is a guarantee issued by the loan originator to the investor for a particular loan, that confirms the loan originator will repurchase the loan from the investor if that particular loan is delayed by more than 60 days. The buyback guarantee is given at an individual loan level. If a loan with a buyback guarantee is delayed by more than 60 days, the loan is automatically bought back by the company from the investor at the nominal value of outstanding principal, plus accrued interest income.

When investing funds, you should be prepared to hold the investment through to its maturity. However,KeyStartFunds, as a market maker, may also buy back an investment by entering into a mutual agreement with you.

Also, keep in mind that you will receive monthly principal and interest payments, which will reduce your investment in a respective loan over time.

If you are interested in having KeyStartFunds buy back the investment at a mutually agreed price, please contact

You can see all transactions in your account under the section Account Statement. Use the filters to see income earned from your investments.

Net annualized return (NAR) is an annualized measure of the rate of return on actual investments made in loans, after actual write-offs and service charges.

NAR is not a forward-looking projection of performance. NAR is only calculated for the amount of money invested in loans. Funds that sit in an investor’s KeyStartFunds account but that are not invested in loans are not included in NAR calculations.

To calculate NAR, we apply a methodology called XIRR (extended internal rate of return), which is further adjusted to exclude compounding effects and reports NAR as a nominal interest rate.

NAR is calculated by using the exact amount and dates of all cash flows associated with the loans in which investments are made (investment in the loan principal, repayments of the principal, interest and penalty charges, cash flow from secondary market transactions, actual write-off amounts and service fees charged by KeyStartFunds, if any) and the outstanding amount of the investment in principal and accrued interest income and service fees, if any. The calculation does not take into account provisions for impairment losses or expected future losses.

Interest is calculated on a daily basis and it is measured against the amount you have invested in loans on the respective day. The formula for calculating interest is as follows:

Invested amount * Amount of days * Interest rate/360

Investors are able to see a certain amount of information about borrowers on our marketplace, including how much they have borrowed and for what purpose. For security reasons and to comply with data protection laws, we do not reveal the full names or addresses of borrowers.
Loans can be issued to borrowers for different purposes, including business needs, home improvement, vehicle purchase, other major purchases and many other reasons. The purpose of the loan is noted under each listing and is dependent on the borrower and loan originator.
During the evaluation of the credit worthiness rating of the credit recipients, "Key Start Funds" has very high requirements, however, in the event that a borrower does not make a payment according to schedule, KeyStartFunds will contact the borrower to remind them about the missed payment. If the payment is still not made, we may pursue different options, depending on the situation leading to the missed payment. When feasible, the loan is rescheduled or otherwise modified. As a last resort, in the event that the borrower is not able or willing to make the payment, the company will start loan recovery procedures. The recovery process may be pursued by either KeyStartFunds or an outsourced bailiff. The exact debt recovery process and timeframe is different for each borrower.

There are two types of loans:

  1. secured loans with collateral;
  2. unsecured loans without any collateral.

For secured loans, collateral may be real estate in the case of a mortgage loan, a vehicle in the case of a car loan, or equipment in the case of a business loan, as well as many other types of collateral, as indicated under each loan.

Collateral is usually the property of the borrower, though it can be owned by a third party. The pledge rights over collateral are always registered in the name of Key Start Loans. Once an investment has been made in a loan, the investor has authorized us, and we have undertaken the responsibility, to oversee the pledge in the interest of the investor.
The value of the collateral is estimated by an expert as indicated for each loan. This may be a third-party certified valuation company or our in-house experts.
Every form of collateral is registered according to the requirements of local regulations. For example, real estate collateral is registered in the land register of a respective country, which means that the borrower cannot sell or otherwise encumber the property without the consent of Key Start Loans.
The grace period is the technical number of late payment days before the loan is marked as late. The grace period is intended to cover possible payments delays.
You can request a withdrawal through your investor account. To comply with anti-money laundering (AML) procedures, at anytime of withdrawal is requested you may be asked to upload a picture or scan of your passport or both sides of an ID card that includes your picture and personal details. You can withdraw funds not invested in loans from your KeyStartFunds investor account to your Bitcoin wallet at any time.
You can withdraw all available funds — i.e. funds that are not invested in loans — from your account at KeyStartFunds.
KeyStartFunds imposes a 7% charge for a withdrawal.
However, your bitcoin wallet may charge additional fees for deposits. Please consult your wallet provider to identify any such fees.
KeyStartFunds will process your withdrawal request within one (1) business day.
Both individuals and entities can invest through KeyStartFunds. Individual investors must be at least 18 years old, have a bitcoin wallet, and have their identity successfully verified by KeyStartFunds.
Yes, companies can invest through KeyStartFunds. To comply with AML requirements, we request additional information from companies, such as registration documents, information about ultimate beneficial owners, identification of a company representative, as well as any other documentation deemed necessary in each case.

As with any investment, there are some risks. The biggest risk is associated with possible credit losses from investments. The following measures have been taken by KeyStartFunds to mitigate the risk:

  1. All loans are issued according to our established policies, which take into account the borrower's ability to repay the loan.
  2. For certain types of loans (e.g. mortgage loans or vehicle loans), the client has offered collateral to be used to recover the loan in the case of default, thereby lowering credit loss risk.
  3. For certain loans (e.g. business loans), other credit enhancements are obtained, such as a personal guarantee.
  4. For certain loans, the loan originator has provided a buyback guarantee, which means that if the loan is delayed by more than 60 days, the loan originator repurchases the investment for the nominal value of the principal and the accrued interest till the date of repurchase.

Investors can mitigate risks by diversifying - making fractional investments in several loans across different borrowers, loan types, loan originators, and geographies.

The income earned at KeyStartFunds is taxed for each investor based on the legislation of the respective country where the investor is a tax resident. As laws vary in each country, please consult an appropriate revenue service or a tax specialist for more information.
Investing through KeyStartFunds is free of charge. There are no fees for opening an investor account and no fees for depositing. There is only a 7% service fee on withdraws charged to investors.
Click the "Forgot password" link. Enter the required information in the dialog box that appears on the screen. New password reset instructions will be sent to your email address that you have specified when signing up. If you do not receive the new password, please send an email to
Activity of Key Start Funds is supervised by the Australian Securities and Investments Commission (ASIC) through its parent company Key Start Loan ABN 27 009 427 034 and Australian Credit Licence 381437. In January 2019, the company has replaced its limited electronic money institution licence with the unlimited electronic money institution licence allowing operations in entire European Union and the whole world. Key Start Funds is the only P2P lending platform in Australia that holds the licence for unlimited activity.
  1. Please register in the account provided for the investors
  2. Perform the identity verification process in the system
  3. Open a Key Start Funds electronic money account
  4. Deposit money into it
  5. You can select one of two investment methods:
    • From the list of the borrower applications, select the loans into which you want to invest. In the list, you will find the specified information regarding the loan recipient: income, obligations, creditworthiness rating, the position held at the workplace, previous debts, etc.
    • Set the maximum investment amount into the single loan, maturity, specify the creditworthiness ratings of the loan recipients for whom you intend to lend and the size of the interest. The system of "Key Start Funds" will automatically provide the best investment possibilities for you.
To avoid the conflicts of interest, neither employees of "Key Start Funds", or parties related to them or to a private company, may have better conditions to invest in consumer credits than unrelated persons.
For easier global transactions, KeyStartFunds only uses bitcoin for all kind of transfers. Deposits and withdrawals are made using Bitcoin. You can transfer money to your KeyStartFunds account from your bitcoin wallet.
We assess our borrowers based on a number of factors, such as their credit score and financial history. Putting all these factors into consideration and according to the amount required, we advise on the interest rate that we believe our investors will accept. It takes just 2 minutes to find out your rate and is completely obligation free.
Anyone who is over 18 years old, who is employed and earns at least $5,000 per year (the majority of your income cannot be from Government benefits) can apply.
Key Start Funds loans are from $100 to a maximum of $50,000. It should be noted however, that the maximum amount we will lend you depends on a number of factors including your credit history.
We have only one fee, a withdrawal fee for investors, which starts at 7%. There are no fees for borrowers except penalties for late repayments.
You can use your Key Start Funds loan for almost anything you want. You may not use your loan for anything illegal. Other than that, it’s pretty much up to you.
When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you submit a full loan application we do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.
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