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Don’t invest unless you're prepared to lose money. This is a high-risk investment.
You may not be able to access your money easily and are unlikely to be protected if something goes wrong.
Take 2 mins to learn more.
Established private clinic to address current healthcare challenges: An interview with Elle Jay Aesthetics
22nd July 2024
In this episode of PITCH ME IN 60 SECONDS, we sat down with Lindsey Watson, the founder of a rapidly growing healthcare business, to discuss the challenges she's addressing, her innovative solutions, and her vision for the future. Lindsey shared insights into her journey from a long-standing NHS career to becoming a full-time entrepreneur, offering a range of private medical services.
Watch the video above for a quick video preview or read the full interview below.
Let’s dive in.
CROWD2FUND: So, what problem are you solving as a business?
Lindsey Watson: My business has expanded much quicker than I anticipated. I've been a nurse for 38 years and left the NHS last year to join the business full-time, about 14 months ago. Now, I have six nurses working part-time, and I have plans for further development. I need funding to expand our health and well-being services. We offer many services that the NHS no longer provides, such as vitamin injections, blood tests, minor surgery, and skin treatments.
CROWD2FUND: Thank you. And what is your specific solution?
Lindsey Watson:Well, alongside the aesthetic business, I run a CQC-registered medical centre. We also offer body sculpting, weight loss assistance, and work with nutritionists. We provide services that people can't get elsewhere, and they feel secure coming to a medical centre staffed with nurses and, soon, doctors. Our solutions range from blood tests and injections to minor surgeries, body sculpting, laser hair removal, and more. For example, this morning, I performed laser scar revision for a woman getting married who had a chickenpox scar on her face.
CROWD2FUND: Understood. That makes sense. How do you make money as a business?
Lindsey Watson: We make money by charging for our services. As an advanced nurse practitioner, I prescribe and charge for consultations and treatments, aiming to offer fair prices to attract clients to our smaller clinic instead of a large private hospital. People appreciate the personal service we provide. Additionally, I perform aesthetic injections and plan to offer training once we expand, teaching others how to perform these services.
CROWD2FUND: That’s great. Lastly, why should investors trust you with their money?
Lindsey Watson: Hopefully, because I'm a trustworthy person. I've worked in the NHS since I was 18, totalling 38 years, and left last year. I've never had any legal issues, and I'm well-trusted in the local community. People come to me because they know I'm confidential and reliable. I've never had money issues before, and though I dislike asking for money, I need some help to advance further.
CROWD2FUND: Thank you, Lindsey. Appreciate your time.
Lindsey Watson's commitment to expanding her healthcare business highlights her dedication to bridging gaps in the healthcare system by providing essential services to her community.
Don't miss out on the opportunity to invest, click here.
Past performance and forecasts are not reliable indicators of future results.
Your capital invested is not covered for compensation in the event of a loss by the FSCS.
Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.
Risk summary for P2P agreements or P2P portfolios
Estimated reading time: 2 min
Due to potential for losses, the Financial Conduct Authority (FCA) considers this
investment to be high risk.
What are the key risks?
You could lose the money you invest
Many peer-to-peer (P2P) loans are made to borrowers who can't borrow money from traditional
lenders such as banks. These borrowers have a higher risk of not paying you back.
Advertised rates of return aren't guaranteed. If a borrower doesn't pay you back as agreed, you
could earn less money than expected. A higher advertised rate of return means a higher risk of
losing your money.
These investments can be held in an Innovative Finance ISA (IFISA). An IFISA does not reduce
the risk of the investment or protect you from losses, so you can still lose all your money. It
only means that any potential gains from your investment will be tax free.
You are unlikely to get your money back quickly
Some P2P loans last for several years. You should be prepared to wait for your money to be
returned even if the borrower repays on time.
Some platforms may give you the opportunity to sell your investment early through a 'secondary
market', but there is no guarantee you will be able to find someone willing to buy.
Even if your agreement is advertised as affording early access to your money, you will only get
your money early if someone else wants to buy your loan(s). If no one wants to buy, it could take
longer to get your money back.
Don't put all your eggs in one basket
Putting all your money into a single business or type of investment for example, is risky.
Spreading your money across different investments makes you less dependent on any one to do
well.
A good rule of thumb is not to invest more than 10% of your money in high-risk-investments.
The P2P platform could fail
If the platform fails, it may be impossible for you to collect money on your loan. It could
take years to get your money back, or you may not get it back at all. Even if the platform has
plans in place to prevent this, they may not work in a disorderly failure.
You are unlikely to be protected if something goes wrong
The Financial Services Compensation Scheme (FSCS), in relation to claims against failed
regulated firms, does not cover investments in P2P loans. You may be able to claim if you
received regulated advice to invest in P2P, and the adviser has since failed. Try the FSCS
investment protection checker here.
Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance.
If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn
more about FOS protection here.
If you are interested in learning more about how to protect yourself, visit the FCA's website here.
For further information about peer-to-peer lending (loan-based crowdfunding), visit the FCA's website here.
