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Innovative Finance ISA Information Hub

LendingCrowd IFISA

LendingCrowd offers an Innovative Finance ISA, a new category of ISA that sits alongside Cash ISAs and Stocks & Shares ISAs.

The benefits of opening a LendingCrowd Innovative Finance ISA:

  • Easy online account opening – start from just £1,000 and invest up to £15,240 in the 2016/17 tax year
  • Earn 6%* a year tax free – that’s the variable target rate after all ongoing management fees and estimated bad debts
  • No fixed term – you can choose to sell holdings and withdraw cash at any time for a 1% fee
  • Build your own portfolio with one click – your investment is spread across a portfolio of loans to growing British companies

*Capital at risk. Variable target rate is net of management fees and estimated bad debts


Invest up to £15,240 this tax year

You can invest up to £15,240 in the 2016/2017 tax year and you’ll have no personal taxes to pay on your earnings. This limit rises to £20,000 in the 2017/2018 tax year so you can earn even more tax-free returns.


Open your account online

Create and manage your LendingCrowd Innovative Finance ISA online. Review your portfolio at any time and easily increase your investment up to your ISA limit. We will ensure you don’t go over your ISA limit with LendingCrowd and keep you updated on how much you can still invest during the current tax year.


Easily transfer ISAs to LendingCrowd

Already have an ISA? You can transfer your existing ISAs to us quickly and simply. Just download and complete a Transfer In form and return it to us by post. We’ll complete the process with your existing ISA provider.


Flexible ISA

We have designed the LendingCrowd Innovative Finance ISA to be a Flexible ISA. This means if you withdraw money from the LendingCrowd Innovative Finance ISA, you can put it back in at a later date in the same tax year without it contributing to your ISA subscription. Non-Flexible ISAs do not allow this and once you use up part of your annual ISA allowance, you can’t use it again. 

How the LendingCrowd ISA works

If you invest through LendingCrowd you should understand that as a lender, your capital may be 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.

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