Alchemy Lending

Unlock a new asset
Invest in small business owners

Access Business Credit

Start Investing
Competitive Returns

Competitive Returns

A fixed-income alternative, with historical returns of 8–20% per year based on industry data.

Invest with Purpose

Invest with Purpose

Invest while building brighter futures for small business owners.

Portfolio Diversifier

Portfolio Diversifier

From used car dealerships to real estate startups, Alchemy lending helps you build a diversified porifolio.

Discover a new way to invest

Historically, only banks and large institutions could invest in business credit. With Alchemy Lending, you can get new access to an asset class that institutions have enjoyed for decades, diversify your portfolio, and potentially earn competitive returns.



Notes are assets that correspond to fractions of loans, in amounts as low as $100.



Diversify your Alchemy Lending portfolio by purchasing Notes that correspond to different loans and borrowers.




How investing works

Here’s how to get started with Alchemy.


Open an account

Opening an account is quick and easy. Choose from multiple account types, including general investment, retirement, and corporate.


Pick a strategy

Automate investments based on a pre-selected strategy, or browse loans and purchase Notes manually.



Link a bank account and transfer as little as $1,000 to start investing through a Alchemy lending account by ACH, wire, or check. Monthly payments of principal and interest go right back to your Alchemy lending account.


Account options

Alchemy offers multiple account options for investors.

Individual accounts

Get started as an investor with a standard individual investment account. This is our most popular account type.

Retirement accounts

Traditional IRA

Investors can make tax-deductible contributions up to the statutory contribution limit with a Traditional IRA. Investments can grow tax-free and are taxed upon distribution. Plus, for many investors, we’ll cover the annual fees.

Roth IRA

Roth IRAs can offer tax-free growth and distributions, but the contributions to a Roth IRA are not tax-deductible. There is no minimum distribution required for investors over the age of 70 1/2.

401(k) Rollover

Open a Alchemy Lending IRA by transferring funds from a retirement plan established with a previous employer, such as a 401(k) or a 403(b). (Coming soon)

Other investment accounts

Joint account

Joint account

Investors can open an account with a spouse, partner, or anyone with whom they have joint investment goals.

Trust account

Trust account

Investors can open an account for a trust, which is owned by the trust with the trustee(s) exercising control of the account.

Corporate account

Corporate account

Corporations and businesses interested in investing through Alchemy can appoint a designated representative to manage a portfolio on their behalf.

Custodial/minor account

Custodial/minor account

Guardians and custodians interested in establishing accounts for minors can take advantage of Alchemy Lending's options for Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts.


Questions? Speak to one of our Representatives
Or email our Investor Services to get started.

212-601-2841 M-F / 9:30am-5pm EST

Fixed rates ranging from 4.50% to 29.99% for loans. Averages are based on a 1 year offer. Best interest rate available to borrowers with excellent credit and financial strength.