Your Lending Plan

How much you invest is entirely up to you. You can lend as much as you can comfortably afford to lend. The more you are able to lend, the higher return you can expect.

As a private lender, you decide at what interest rate you want to lend. Interest rates typically range from 3-8% APR. While it is common for private lenders not to charge points for the loan, the decision is entirely yours to make.

Points are fees charged to borrowers on the front or back end of a loan. For example, if your loan includes 3 points, the borrower would pay you an additional $3,000 on a $100,000 loan. Points can be paid on the front end of the loan, back end of the loan, or can be split.

The term of the loan refers to how you want the loan to be repaid. You can request monthly, quarterly, bi-annual or annual payments. For example, if you loan $75,000 at 4% over 5 years and require monthly payments, the borrower will pay $454 per month. Loan assumes 20 year amortization schedule with payoff after loan term maturity.

  • Short-Term Loan:
    Typically repaid in 6-8 months.
  • Mid-Term Loan:
    Typically repaid in 1-5 years.
  • Long-Term Loan:
    Typically repaid in 5-20 years.


We make every effort to ensure that we accurately represent these products and services and their potential for income. Earning and Income statements made by our company and its customers are estimates of what we think you can possibly earn. There is no guarantee that you will make these levels of income and you accept the risk that the earnings and income statements differ by individual.

As with any business, your results may vary, and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual's success depends on his or her background, dedication, desire and motivation.

There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business and on the internet that we cannot foresee which can reduce results. We are not responsible for your actions.

The use of our information, products and services should be based on your own due diligence and you agree that Safe & Secure Returns is not liable for any success or failure of your investment that is directly or indirectly related to the use of our information, products, and services.

We do not verify the information for any of the investment opportunities. Those numbers are provided by the potential borrowers. So please do your own due diligence. We are not brokers and do not participate or profit from the transaction between lenders and borrowers. We simply provide access to information that connects the two parties.

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