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Peer to peer lending » Crowd2fund

Crowd2fund

Crowd2fund

Crowd2Fund is a peer-to-peer lending company, building long-term relationships between investors and the great British businesses they invest in. As a sophisticated private investor, you choose which entrepreneurs to lend money to and can even receive rewards from the businesses you back. They believe in fast flexible funding to meet today’s demands for fast-growing carefully selected businesses and offer four different investment products Loan, Revenue Loans, Bonds and Equity which are available for investment for terms of 2-4 years.  

An Innovative Finance ISA is available with potential tax-free earnings from 6% - 15% APR before fees and bad debt.

Crowd2fund charges campaign creators of successful Debt Campaigns that reach their Target Amount a 6% fee if they raise up to £500K raised and 2.5% for more than £500,001K.  They also charge the borrower a 1% annualised Intermediary Service Fee of the outstanding principal, which is paid monthly.

A secondary market called “Exchange Opportunities” where lenders can trade their investments giving early access and liquidity to their funds. As a buyer, they can take advantage of opportunities that they might have previously missed.  The sales of investments are not guaranteed and an investor must purchase the entire investment from the seller.

Regular investors who have multiple investments throughout the platform can benefit from an exclusive invitation to their “Investor Club” which gives the lender more benefits such as; early access to investment opportunities, access to exclusive equity deals only offered to the Investor Club, receive a bespoke Smart Money coin that will use RFID technology to allow the lender special rewards when investing specific amounts, a personal account manager and receive a bespoke welcome pack.

This platform also offers Equity Crowdfunding opportunities that are eligible for the Seed Enterprise Investment Scheme and Enterprise Investment Scheme.  Equity investments are generally longer-term investments and higher risk in nature, although the tax incentives can be very generous, depending on your circumstances.

If an investor would like to withdraw uninvested funds from the platform, they can simply withdraw the funds in their wallet to their linked bank account, or fill out a transfer form if they wish to keep the funds within an ISA. Investments in businesses can only be accessed by selling the investments on the Exchange or upon receiving the monthly repayments.


Crowd2fund Products and Investment

    Lend directly to businesses and enjoy a monthly repayment for the life of the loan. Eligible businesses must have been trading for at least 2 years with a proven ability to meet monthly repayments. Investors pay 1% of all repayments to Crowd2Fund

    term: 24 - 48 months min. investment: £100 return: up to 15.00%*
    * provided on 16/01/2020

    Loan to a business and the repayments are calculated monthly as a percentage of turnover.If repayments fluctuate the loan term adjusts, the business has to cover the interest and a minimum capital repayment every month.

    term: 24 - 48 months min. investment: £100 return: up to 15.00%*
    * provided on 16/01/2020

    Invest your money into a business with potential. With a bond you’ll get regular interest-only repayments and the capital is fully repaid at the end of the term. Good for higher returns, and like all of our investment products – tradeable on the secondary market

    term: 24 - 48 months min. investment: £100 return: up to 15.00%*
    * provided on 16/01/2020

Investor Overview

  • Crowd2fund offer 4 different investment products - Loan, Revenue Loans, Bonds and Equity.
  • You can invest in individual loans or equity investments and receive interest on loan repayments, as well as rewards from the businesses.
  • There is an annual 1% fee on interest and capital payments to the investor, which is collected on receipt of the payment from borrowers
  • IFISA available.
  • Terms are 2 - 4 years, depending on the loans you invest in.
Go to Crowd2fund

LIVE Platform Stats

0 Pitches
Withheld Pledged
£0 Targetted

£31M
loan book volume

0.00%
default rate

10.70%
average interest rate

£266,058
biggest loan

* correct as of 18/06/2020

info@crowd2fund.com

242 Acklam Road, London
W10 5JJ

020 3735 5669

08472687
company number

04/04/2013
incorporated 7 years

Newest Pitches


Pledged this Week

* Data captured from publicly available sources and may vary from the final investment values



Funded pitches

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph