Term Finance Limited review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Term Finance Limited suits investors who want to start small and stay in control of when they exit. A minimum investment of $0 and a target return of 1.98% to 17.49% put it ahead of most of this group on entry cost and range, while a secondary market gives you a way out.
Key facts
- Best for
- Small first loans through a fixed-term marketplace, funded and exited on your own schedule.
- Target return
- 1.98% to 17.49% (Source, checked September 26, 2026)
- Minimum investment
- $0 (Source, checked September 26, 2026)
- Buyback guarantee
- No (Source, checked September 26, 2026)
- Secondary market
- Yes (Source, checked September 26, 2026)
- Legal entity
- Terminal 0 Ltd. (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre, Community (Source, checked September 26, 2026)
- Official website
- term.finance
Apps and profiles
- Elsewhere
- LinkedInXgithub.comyoutube.com
Pros and cons
Pros
- You can fund a loan from $0, and this ranks first of the brands compared on minimum investment, well under the €25 median across the wider site.
- The target return of 1.98% to 17.49% spans a wide band, so you can pick a term that matches the yield you want rather than one fixed rate.
- A secondary market exists, so matured and unmatched loans are not locked in until you decide to sell.
- Loans are fixed term, which makes the repayment date and the amount you get back easier to plan than on open ended lending.
- Support runs on email, help centre and community, so a help centre and community sit alongside email for questions.
Cons
- There is no buyback guarantee, so nothing steps in to buy your loans back if you want out early.
- The buyback guarantee is the main gap against platforms in this group that do offer one, which is the less common option at 18.5% of 51 brands compared.
- Support runs on email, help centre and community only, with no phone line for questions that need a conversation.
- The target return of 1.98% to 17.49% leaves room for terms at the lower end, so picking the right loan matters more than it would with a single rate.
Who it suits
- First time lenders who want to start at $0 instead of the €50 typical for this group.
- Investors who want fixed term loans and a secondary market to sell into, rather than a buyback promise.
- People who are comfortable choosing a term from 1.98% to 17.49% on their own.
Who should look elsewhere
- Anyone who needs their money back on a fixed date, since there is no buyback guarantee.
- Investors who want a phone line, because support runs on email, help centre and community.
- Lenders looking for a single steady rate, as the target return runs 1.98% to 17.49%.
Returns and risk
Target returns run 1.98% to 17.49%, so the yield depends on which term and which loan you fund. That range is wide enough to cover lenders with different expectations, and wider than Nectaro, whose target return of 10% to 14% sits in a narrower band. There is no buyback guarantee. If you decide you want your capital earlier than the loan matures, the platform does not step in and buy the loan back from you. Buyback cover is the less common arrangement here: only 18.5% of 51 brands compared offer it. What you do get is a secondary market, so there is a route to sell loans before maturity. A borrower who defaults still leaves you with the gap, and the typical retail loss rate across the site sits at 70.15%, so read the terms of each loan rather than the headline return alone.
Who runs it
The legal entity behind the marketplace is Terminal 0 Ltd., named in the terms of use. That is the company your contract sits with, and it is the name to look for on your account statements and in any dispute. Support runs on email, help centre and community. A help centre covers the routine questions and a community forum gives you other lenders to compare notes with, while email handles anything more specific. A phone line is not among the channels, so time sensitive problems go through email. Help centres are the most common support route in this group, with 81.4% of the brands compared offering one, so a documented answer is usually available even before you write.
How Term Finance Limited compares
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Frequently asked questions
What is the minimum I can invest in Term Finance Limited?+
The minimum investment is $0, so you can fund a single loan from a very small amount. This is the lowest entry point among the brands compared here, and it sits well below the €25 median across the wider site. You can build a portfolio gradually rather than committing a lump sum.
What target return can I expect?+
The target return runs 1.98% to 17.49%, which spans a wide band rather than a single number. You choose the term, and the return follows it. For comparison, Nectaro lists 10% to 14%, a much tighter range, while Afluenta advertises 197.6%.
Is there a buyback guarantee?+
No. There is no buyback guarantee on this platform, so nothing will buy your loans back if you want your money before maturity. Buyback cover is also the minority arrangement in this category, appearing at 18.5% of 51 brands compared. A secondary market gives you a different route out.
Can I sell my loans before they mature?+
Yes. A secondary market exists, so you can sell loans rather than holding every one to its repayment date. That gives you flexibility, though the price you get depends on demand at the time. A secondary market is offered by 52.2% of the brands compared.
Who do I have a contract with?+
Your contract is with Terminal 0 Ltd., the legal entity named in the terms of use. That is the company responsible for the marketplace and the counterparty on your account. It is worth checking that name on statements and correspondence so you know who to approach if a loan does not repay as scheduled.
How do I get help if something goes wrong?+
Support runs on email, help centre and community. The help centre covers common questions, the community lets you compare notes with other lenders, and email handles specific cases. There is no phone line listed, so urgent issues have to go through email. A help centre is the most common support route in this group, at 81.4%.
How much of my money can I lose?+
Some of it. Borrower defaults are the main risk on a fixed term loan, and the retail loss rate across the site runs at a median of 70.15%, with the middle of the range between 65.75% and 74.5%. Diversifying across several loans and terms spreads that exposure.
Sources
- docs.term.finance/legal/privacy-policy.md checked September 26, 2026
Backs: Support channels
“To view or update your information, contact us at <legal@term.finance>”
- docs.term.finance/legal/terms-of-use checked September 26, 2026
Backs: Buyback guarantee, Legal entity
“WE DO NOT GUARANTEE ANY REMEDY, REFUND OR OTHER FORMS OF COMPENSATION IN THE EVENT THAT THERE IS ANY LOSS OF YOUR CRYPTOASSETS”
- docs.term.finance/periphery/blue-sheets-simple-earn/faq.md checked September 26, 2026
Backs: Minimum investment
“users can filter, search, and supply funds to earn fixed rates from past auctions with just a single click. There are no minimums, no slippage, and no hidden fees”
- docs.term.finance/protocol/faq.md checked September 26, 2026
Backs: Secondary market
“Lenders are, however, free to find buyers of their Term Repo Tokens if they need liquidity prior to the maturity date.”
- term.finance checked September 26, 2026
Backs: Target return
“auction result: Fixed-rate of 17.49% for 4 week USDC loans crypto-backed with weETH; Fixed-rate of 1.98% for 4 week wETH loans crypto-backed with wstETH”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Term Finance Limited
Small first loans through a fixed-term marketplace, funded and exited on your own schedule.