Bridge financing, equity top-up, property purchase or business development, subject to underwriting approval.

Residential real estate collateral in Israel only.

Loans start from ₪250,000 and up to 85% of the collateral value (LTV), including existing liabilities, against the lien on the collateral.

Rates are set according to our underwriting scale and in line with the Bank of Israel rate. Each deal carries a fixed, unlinked rate, so once the transaction is executed, the rate remains unchanged until maturity.

From 1 to 5 years, with an option to refinance.

m-Loan is a secured peer-to-peer (P2P) lending platform backed by real estate collateral. The system connects private lenders seeking an alternative to banks with borrowers, through an online interface and a professional, human advisory team. •Each borrower undergoes a strict underwriting review to determine credit grade, rate, term, and collateral. •Lenders choose which loans to fund based on interest rate and risk level. •After matching, m-Loan handles everything: signatures, funds transfer, collections, tax withholding, and lender payouts. •In case of non-payment, the company manages the collection process with the borrower. Example: Property value 2,000,000 NIS with a 1,000,000 NIS mortgage and an additional loan request of 800,000 NIS → declined, because total financing exceeds 85%.

m-Loan applies the extensive professional and general expertise of Lior Berkovich, supported by a team of financial and legal advisors. Mr. Berkovich is an economist with an MBA degree, a seasoned entrepreneur, and the owner of Y.N.M. Consulting Ltd. (Company No. 514556224), specializing in economic consulting, mortgages, and real estate, as well as companies in real estate entrepreneurship. Mr. Berkovich also owns L.S.B Ltd. (Company No. 515344463), a property holding company. The company also works in full cooperation with leading law firms and accounting offices in the field.

A peer-to-peer loan where the platform brokers between lender(s) and borrower. This innovative method has seen broad success worldwide. It is funded by the public, reduces reliance on centralized financial systems, and creates a crowdfunded financing channel that is efficient, fair, and accessible for borrowers.

m-Loan developed a unique underwriting model for bridge loans. It grades transactions by considering both borrower risk and collateral quality. The grade supports decision-making and pricing by setting the interest rate, and helps determine whether a transaction is approved or declined by lenders. The model was reviewed by Deloitte, an international consulting and accounting firm providing audit, tax, risk management, financial advisory, and management consulting services across strategy, operations, cyber, technology, knowledge management, and human capital.

The company uses a proprietary underwriting algorithm that ranks deals across 25 categories, and assigns an interest rate accordingly. The underwriting combines borrower quality with the value and quality of the property serving as collateral.

Enter the Lenders area, sign up, and upload relevant documents. Once registration is completed, choose an investment and transfer funds from your bank account to m-Loan’s loan operations account.

m-Loan emphasizes its community-focused model. To protect investors, the company uses all available means to collect repayments. Credit is granted only against residential real-estate collateral, which helps hedge default rates. “Non-performing credit” is defined as unpaid credit relative to the total portfolio at each risk level. The distribution appears in the “Non-Performing Credit Distribution” table on the company website.

With m-Loan, borrowers may receive up to 85% LTV based on Israeli Standard 19 valuation (if there is an existing mortgage, total financing remains capped at 85%). Example: A ₪1,000,000 property with a ₪250,000 first mortgage may qualify for an additional loan of up to ₪600,000. Terms are often more favorable than banks and other non-bank providers. m-Loan also offers complementary financial products alongside the banking system. The maximum LTV for a loan file is determined based on an Israeli Standard 19 appraisal.

No. Residential collateral must be valued under Israeli Standard 19 as required by law. m-Loan maintains a list of approved appraisers for this type of valuation. An appraiser on behalf of the client may be added only with the company’s approval and at its sole discretion.

No. The company provides loans only against residential property.

Underwriting is the verification process of the information provided in the loan application in order to generate an initial rate simulation. Verification is performed with external sources, such as income tax assessments, Standard 19 appraisal, National Insurance data, bank account activity, credit bureau data, salary slips, and more. Based on verified information, the borrower receives a provisional approval or a decline.

m-Loan has a strong commitment to its investors, just as it does to you. If needed, m-Loan will initiate a collections process. As a community-focused company, our first goal is to find creative solutions (for example, if you face cash-flow difficulties, you may request a new loan file with more convenient monthly payments). However, if a borrower still does not pay, we take all legal measures available, including through leading Israeli law firms, including enforcement of collateral via a receiver and transferring proceeds to our lenders. If you face financial difficulty for any reason, you should notify m-Loan as early as possible. The team is available via the Contact page in your account, by email: office@mloan.co.il,(mailto:office@mloan.co.il) or by phone: 074-7047004.

Any individual over 21 with an Israeli bank account, who can provide residential real estate in Israel as collateral, may apply for a loan.

After completing the personal questionnaire in the borrower’s account (visible only to you and authorized company staff), you will receive an initial interest-rate simulation to decide whether to proceed. The company ensures loans arranged through it comply with Israel’s Fair Credit Law requirements.

No. The approved amount and rate are determined by underwriting based on the data and documents received.

Fees and charges are detailed in the company tariff list and in Section 4 of the Borrower Enrollment Agreement (files are available at the bottom of the answer).

Principal and interest are collected via bank cheques. In addition, the borrower provides 3 cheques as security: one for principal and two for interest payments.

The borrower’s identity and all related information remain confidential with the company and/or the collateral trustee. Only in case of a collection failure, and after exhausting all collection procedures, may the identity be disclosed.

A lien on the property serving as collateral gives the lender access to an investment channel with attractive returns and relatively low risk, backed by residential real estate collateral.

No. We believe in equal treatment for all investors regardless of investment size. Loan allocation is automatic on a first-come, first-served basis: all loans are posted to the site, all investors see them at the same time, and offers are accepted in order until the funding basket is filled. The only priority is given to those who choose to fund the entire requested amount. Investment size does not affect portfolio performance, rates, or fees.

Log in to your personal account with your lender username and password to view portfolio status. Information is secured and visible only to the verified lender.

The minimum investment per loan file is 100,000 NIS.

A loan table is presented without borrower identifying details. It includes deal-relevant information such as loan amount, term, rate, rating, purpose, collateral property location and type, total LTV, and more, allowing lenders to choose and diversify. Deals are ranked across 25 categories and priced accordingly. “Non-performing credit” is defined as unpaid credit relative to the total portfolio at each risk level, and appears in the non-performing distribution table on the website.

Any individual over 21 with an Israeli bank account who passes the company’s checks under anti-money laundering and counter-terror financing laws and regulatory requirements (e.g., source of funds, designated terror lists, etc.) may apply to invest.

The company withholds tax at source for each lender, reducing the need to deal with tax authorities and providing a practical solution for private individuals who do not have an active tax file. If you have a withholding-tax exemption approval for interest income, email it to: office@mloan.co.il.(mailto:office@mloan.co.il)

If you fail to pay under the loan agreement terms, all legal measures will be taken, including enforcement of the pledged collateral.

Funds are held in a dedicated loan operations account, separate from m-Loan’s business account.

m-Loan’s underwriting model grades deals by borrower risk and collateral quality. The grade supports pricing and approval/decline decisions by setting the interest rate. The model was reviewed by Deloitte, an international consulting and accounting firm providing audit, tax, risk management, financial advisory, and management consulting services across strategy, operations, cyber, technology, knowledge management, and human capital. Deals are ranked across 25 categories, and underwriting combines borrower quality with collateral value and quality. Example of a declined loan: Property value 2,000,000 NIS, first-lien mortgage 1,000,000 NIS, and an additional loan request of 800,000 NIS → cannot be approved because total financing exceeds 85%.

Yes, there is no limit.

To keep borrower and lender identities confidential, the borrower interacts throughout with the collateral trustee. The loan agreement is executed with the trustee, and the collateral is registered in the trustee’s name. The trustee’s role is to protect participant privacy, maintain strict confidentiality, create full separation between company assets and collateral pledged for investors, and, when needed, act for collection and enforcement. The trustee is the only party handling registration and release of liens and pledges, based on approvals presented by the company, providing an additional control and protection layer.

Each month, m-Loan transfers interest payments to lenders’ bank accounts by bank transfer, net of tax and fees.

With m-Loan, you choose the relevant loan file. As long as you have not selected a loan file and funds remain available under “Funds Available for Investment”, you may request a withdrawal by emailing Office@mloan.co.il (mailto:Office@mloan.co.il)or via Contact in your personal account. From the moment you join a specific loan file until its end date, funds cannot be withdrawn. Lenders cannot liquidate funds before maturity, and cannot liquidate their investment by swapping with another lender.

When you agree to lend through the system, you will be asked to grant the company a power of attorney to act on your behalf and make decisions at its discretion for debt collection. In case of default, the company undertakes to take all reasonable measures permitted by law to collect the debt. However, it does not guarantee that the debt will be collected in whole or in part.

Loans are secured by real estate, but after legal proceedings it is possible that the loan and related expenses will not be fully recovered, and the lender may incur a loss due to unpaid debt.

Monthly repayments are transferred each month to the lender’s account, net of fees (per the company tariff list) and withholding tax as required by law. At the end of the term, the lender may choose to reinvest or receive principal back to the lender’s account.

Yes. m-Loan holds an approved "Heter Iska" signed by an authorized rabbinical court, in accordance with halacha and Jewish law. The permit ensures financial engagements between investors and borrowers are structured as a kosher business partnership rather than interest-bearing lending (An approval document is attached at the bottom of the answer).

No. m-Loan does not function as a bank in any way. We do not issue credit cards and/or bank accounts. We are a platform that matches people who want attractive interest on their money with people seeking fast loans on fair terms.

All loans are granted only against a lien on residential real estate in Israel. We register an actual mortgage on the pledged property. The mortgage is registered in the name of the collateral trustee representing the lenders. Mortgages are registered as first-lien or second-lien depending on the loan file. If registered as a second-lien mortgage, consent from the first-lien financing party is required.