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The Crowd2Fund IFISA lets you choose the businesses you back

Earn an estimated 8.7% APR return.

Register for freeTransfer your ISA now
Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and you should speak to your advisor before making an investment. When making a peer to business loan, your capital lent to a borrower is not covered for compensation in the event of a loss by the Financial Services Compensation Scheme. This calculation is an estimate and actual returns may be higher or lower.

Benefits of an IFISA

ISAs have long represented a reliable way to save and invest;
with Crowd2Fund there are many benefits to investing in this way
IFISA shelter
You can shelter up to £20,000 of your Crowd2Fund investments from tax
IFISA Tax free
Earn an estimated 8.7% APR return on average tax free before fees and bad debt
IFISA Grow economy
Help grow the economy and support brilliant businesses you choose
Transfer IFISA
We will transfer your old ISA for you quickly and pain free
IFISA Smart-Invest
Use our Smart-Invest feature to manage your investing automatically
IFISA Exchange
Access your capital by selling to others on the Exchange
Register for free

When making a peer to business loan, your capital lent to a borrower is not covered for compensation
in the event of a loss by the Financial Services Compensation Scheme

Calculate your IFISA earnings

Use this calculator to estimate your tax free earnings.
You transfer
£
Invest monthly
£
Target APR
Estimated interest earned
£0
Register for free
Remember your capital is at risk as your investment is not protected by the FSCS
Estimated tax savings
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Estimated old ISA earnings
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Crowd2Fund fees
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Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and you should speak to your advisor before making an investment. When making a peer to business loan, your capital lent to a borrower is not covered for compensation in the event of a loss by the Financial Services Compensation Scheme. This calculation is an estimate and actual returns may be higher or lower.
This calculation is an estimate and actual returns may be higher or lower. It assumes that any reinvestments are re-invested immediately.

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How it works

ISAs allow you to save up to £20,000 each year, before earnings are liable for tax. The new Innovative Finance ISA will enable you to include your Crowd2Fund investments within this allowance. This will give you all the advantages of ISAs and the added flexibility of choosing the businesses you want to support.
1
Set up your IFISA
Add your National Insurance number
2
Transfer your old ISA
Confirm your old ISA manager details
3
Set up your Smart-Invest
Tell us your investing needs
Innovative Finance ISA FAQs

Innovative Finance ISA FAQs

The Innovative Finance ISA was launched on the 6th of April 2017. Under this new scheme, investors’ earnings from crowdlending and P2P investments will be exempt from tax for investments of up to the value of £20,000 for this current financial year.

What is our APR return?

The estimated average return for the Crowd2Fund IFISA is 8.7% APR higher than most other ISAs on the market. This is because investors are lending directly to hand picked opportunities and cutting out the middle men. The overall IFISA return may vary slightly depending on the investment opportunities selected by investors. The estimated 8.7% APR return is calculated before fees and bad debt. Crowd2Fund collect a 1% fee of the total repayment when the repayment is made, this has a nominal impact on the actual return. Bad debt should also be taken into account with the actual APR received. Currently written off and defaulted loans are at 0%. Our target default rate is 0.5% and this should be taken into consideration when investng. Past performance and forecasts are not reliable indicators of future results.

It’s important investors understand that by investing in an IFISA they are putting their capital at risk, in a similar way to a stocks and share ISA. If an opportunity they invest in fails and the funds are not recovered investors will lose their investment in that business. Therefore it is important to invest in a number of different opportunities to manage the risk of losses.

Read more about how we estimate our APR here

How do I activate my IFISA?

Investors activate their IFISA simply by registering to the Crowd2Fund platform and clicking the 'Activate my IFISA' button on the portfolio page. Investors are then requested to provide their National Insurance Number. We do the rest, and inform HMRC about your Innovative Finance ISA. Register for free

How do I make investments into my IFISA?

All opportunities listed undergo a due diligence and a strict credit assessment process. Investors select the opportunities listed on the platform that they wish to invest in. Investments have a pre-defined interest rate which is clearly shown, between 6% - 15%, averaging at 8.7% APR. Investors simply select an opportunity that has been carefully hand-picked and approved by Crowd2Fund and make the investment using a direct bank transfer or debit card. Investors funds are held securely in our segregated 3rd party client funds account. All repayments are made back to investors Crowd2Fund accounts on a monthly basis. After investors have activated their IFISA, any lending on the platform will be automatically allocated towards their IFISA allowance until the limit has been met for that year.

What due diligence and credit risk assessments are conducted?

Any opportunities listed are profitable businesses and can afford the loan repayments. All opportunities undergo our strict credit risk assessment process. This involves background checks on all directors and companies. We review historical performance of the business along with market performance. Where possible, we secure the loan against company assets and always ask for a company director to personally guarantee the loan. This means that the directors assets can be seized in the event of a default. If a loan is secured or has a director guarantee then this is clearly indicated on the opportunity page. Read more information here

How do I access my capital on the Exchange?

Investors can access their capital by selling to others on the Exchange. Investors define the price of the investment being sold. A higher price will take longer to sell than a lower price which makes the purchase more attractive for potential buyers. See the Exchange here

How do I transfer my Cash ISA or Stocks and Shares ISA?

If investors wish to transfer their cash ISA or stocks and shares ISA to Crowd2fund then they need to complete "Transfer Authority Form." The form can be downloaded from here or can be obtained by emailing info@crowd2fund.com. Once the completed form is received, we will liaise with investors previous ISA manager to transfer a Cash or Stock and Shares ISA to us. In case investors change their mind, they will get 14 days cancellation rights. There is no fee for opening or transferring an ISA to us.

Can I transfer previous years of savings from my Cash or Stocks and Shares ISA?

If you have multiple years worth of savings within your ISA you are able to transfer these and continue earning tax free on Crowd2Fund. There is no fee for setting up an IFISA on Crowd2Fund.

What are the fees?

There is no fee for opening an Innovative Finance ISA account. We only collect 1% annual fee on interest and capital payments to the investor.

Close Innovative Finance ISA FAQs
Crowd2Fund investorStaff pick icon

See how entrepreneurs and
the economy have benefited

Doug successfully overfunded to 120% of his goal with only 12 investors.
He raised £48,000 and made Silo the UK’s first true zero-waste restaurant

Read success stories

Sign-up and start your IFISA for free

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Remember, your capital is at risk as your actual return may be higher or lower. Find out more.

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Tim hand, May 2017

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