New Rules to INPL system.

 One assumes you mean 'at least', rather than everyone being limited to £10k?!

savingstream , thanks for your post.  I have a couple of questions for clarification.

Is there a (low) SM limit which everyone (including new investors) can use?  The way the rules are currently framed, it means that new investors must deposit cash before they can purchase on the SM since they don't have any existing holdings.  It's obviously not an issue for me as a seasoned investor but just wondered if this is what you intended.

I read the pre-funding limit to mean that no one can bid more than £10,000 on any loan (although the pipeline page doesn't seem to reflect this yet).  I suspect this will mean that some of the larger loans will not fill from pre-funding even though there is money out to invest in them (since the BHs will be restricted).  So in this case any part of the loan which hasn't filled will then just be placed on the SM to continue filling there (at which point a BH may grab it all in one hit assuming that they don't breach the SM limit). Again, is this what is intended?

Edit: I note the earlier post from GSV3MIaC which would answer the second point if this is the case.

It is good that Saving Stream remain committed to INPL, which is a feature that distinguishes them from other platforms.  I think the limits are fair  -everyone gets £10k with the maximum being existing holdings plus cash. 

Yes I can't go beyond 10K

It looks to me that what ever an individuals pretending limit may be, it applies to each loan. However, that may simply be because the aggregate of my individual prefunding bids doesn't total the limit in my drop down list. I will test this.

So I guess this means that the maximum you can obtain from pre-funding after the allocation is £10,000 plus cash holdings (zero in my case).  If a high pre-fund amount would theoretically result in a larger holding, does that mean my allocation is restricted to £10,000?

If I follow this logic through, does this mean that I can safely pre-fund all loans with my maximum allowable amount (which is significantly above £10,000) to game the system, safe in the knowledge that I will never be called on to stump up more than £10,000?

I presume I've misinterpreted something here because that really doesn't seem right.

In the OP the limit is for the SM only. The interaction with prefunding which is for the PM is that if after the launch of a loan where you have a prefund allocation (and a negative balance to clear) then buying on the SM will only be possible upto your credit limit.