There are a number of ways to invest with LendingCrowd
Self Select Account
Choose your own investments, set your own rates
You decide which businesses to invest in from the LendingCrowd Loan Market. Receive capital and interest payments every month on your investment.
Learn more
LendingCrowd Growth ISA
Earn a target rate of 6%* tax free on your Innovative Finance ISA
Use the Innovative Finance ISA to invest with a LendingCrowd Growth Account. Invest up to £20,000 a year with no tax to pay on the interest you earn. Monthly repayments automatically reinvested.
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LendingCrowd Growth Account
Create your investment portfolio in one click
You decide how much to invest, we take care of the rest. We’ll automatically diversify your investment across a range of loans with a target annual growth rate of 6%*.
Learn moreWhy Invest with LendingCrowd?
Attractive Returns
You could earn 5.95%* or more investing with LendingCrowd. If you invest through the LendingCrowd ISA your return is tax-free. Returns are not guaranteed and your capital is at risk.
Low minimum investment
You can open a Self Select Account with just £20. The minimum investment in a LendingCrowd Growth Account or LendingCrowd Growth ISA is £1,000.
Easy account opening
Our simple, online application takes just minutes to complete.
Low, Transparent Fees
There are no surprises when you invest with us, just a flat 1% per annum fee on the money you have invested in the Self Select Account and a 1% exit fee when selling the LendingCrowd Growth Account or LendingCrowd Growth ISA.
Remember, as an investor, your capital is at risk. Learn more about the risks involved.
How does it work?
Choose your account
To get started, choose the account that best suits your investment approach.
Set up your account
Setting up your account is easy — you can do it all online quickly and simply.
Start investing
Add funds to your account by bank transfer or debit card.
Earn returns
Receive monthly repayments of capital and interest
It’s really simple. Learn more about being an investor.
Minimising Risk
With over 100 years of combined experience, our Credit Assessment Team review every borrower application made to LendingCrowd. This means only established, creditworthy and safe businesses are able to borrow through our platform. However as with all investment opportunities, there are risks involved.
As an Investor, your capital is at risk
It is important to remember that there is the possibility that a business could not be able to fully repay its loan.
This is known as Bad Debt and while LendingCrowd has a recovery system in place, you may not receive back all the money you invested.
Minimise your risk. Diversify.
Diversifying your portfolio is the best way to manage risk. But what does it mean?
By spreading your investments across as many businesses as possible on the Loan Market, throughout a range of Credit Bands, you will reduce the impact of Bad Debt if a business fails to repay its loan
Invest responsibly. Diversify your portfolio.
Have any questions?
Investor Guide
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Investor FAQ
The most frequently asked questions by our loyal investors.
Visit our Help Center
or call us on
0131 564 1600
and we’ll be happy to help.
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As an Investor it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an Agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.
*Investors can earn between 5.95% and 12.25% or more based upon LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan in which you choose to invest. Higher risk investments may yield greater returns but can also lead to lower returns if the business is not able to fully repay its debts. This is known as Bad Debt. To know more about Credit Bands and how this is related to investment returns, visit the How it works page.
If you invest through LendingCrowd you should understand that your capital is at risk.
LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.
Read more about the risk involved when investing and borrowing.
LendingCrowd is a credit broker and not a lender.
The company's registered office is 23 Manor Place, Edinburgh, EH3 7DX.
Copyright © LendingCrowd 2017. All rights reserved.
