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Innovative Finance ISA information hub

LendingCrowd Innovative Finance ISA

LendingCrowd offers three Innovative Finance ISA (IFISA) products*– the Growth IFISA, the Income IFISA and the Self Select IFISA, all of which can be held within the same IFISA wrapper.

PLEASE NOTE: we have temporarily stopped taking new lender registrations and also new cash deposits from existing lenders on our platform. Find out more.

How do our IFISAs work?

Growth IFISA

Income IFISA

Self Select IFISA

  • Build a portfolio with one click – your funds are automatically spread across as many loans as possible
  • Your funds automatically diversify across all the
    loans available on our
    Loan Market
  • Build your own portfolio of business loans by choosing from new or existing loans on our Loan Market
  • No fixed term – you can choose to sell holdings and withdraw cash for a 1% capital withdrawal fee
  • Interest payments transfer to a separate account for you to withdraw, capital repayments lent out automatically
  • Loan terms are between 6 months and 5 years but you can sell your holdings on our Loan Market for a 0.5% fee
  • Start from just £1,000 and lend up to £20,000 in the current tax year
  • Start from just £1,000 and lend up to £20,000 in the current tax year
  • Get started from as little as £20 and lend up to £20,000 in the current tax year

 
*When lending to businesses, it’s important to remember that your capital is at risk. Tax treatment depends on the individual circumstances of each lender and may be subject to change in future. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

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.

The company's registered office is 23 Manor Place, Edinburgh, EH3 7DX.

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