The Community Shares Unit is a dedicated support service to promote community shares. However, it’s important to remember that some businesses will not be able to fully repay their loan. Our automatic lending tool allows you to lend small amounts to hundreds of different businesses. An engine to embrace and harness disruptive change. Interest earned is after fees and bad debt, but before tax. Our collections and recoveries team work to recover as much as possible for you, and have won awards in their field for the outstanding recoveries they make for investors. We reduce the impact of bad debt in 3 key ways: Our vastly experienced credit assessment team combine decades of experience from some of the world’s leading financial institutions. Within the context of an M&A transaction – for buyers or sellers – this means technology now represents both a massive opportunity, and a risk of equal measure.
Funding Circle is not covered by the Financial Services Compensation Scheme. © 2020. Registered in England (Co. No. Take your next step with fast, affordable business finance. Funding Circle is not covered by the Financial Services Compensation Scheme. Visit Microgenius to buy and sell community shares.
Whichever lending option you choose, you’ll automatically lend your funds to relevant businesses. Your projected return already covers the 1% annual servicing fee. Cookies help us deliver our services.
Coronavirus Business Interruption Loans Scheme, You lend to the full range of creditworthy businesses to build a balanced portfolio, This option has a higher projected return, with a higher estimated bad debt rate, You only lend to creditworthy businesses that have been assessed as lower risk, This option has a lower projected return, with a lower estimated bad debt rate, The rates shown are the annualised projected returns, after fees and bad debts but before tax, that a diversified investor could earn with either lending option.
90,000 investors have lent £6.2 billion through Funding Circle, earning £329 million in interest.2.
The speed of change and growth in prominence of technology is unprecedented.
Please see About Deloitte to learn more about our global network of member firms. We regularly perform stress tests to simulate what could happen to investor returns during difficult periods, for example during an economic downturn. While it’s incredibly difficult, and requires a big investment, to open up a new operating business, introducing clients to existing businesses is an idea that can hardly fail you, if done properly.The concept is simple – find an existing business that is looking to recruit clients, and willing to accept introductions.
Your actual return may be higher or lower and capital is at risk. They use thousands of data points, innovative technology and their detailed understanding of business lending to assess every application, so only creditworthy businesses are approved. Explore our range of insights and guidance on investing in setting up business in the UK.
You’ll typically receive repayments with interest each month from the businesses you’ve lent to. The projected returns shown here are based on the expected performance of new loans taken out in June 2019 only.
We’ll send you a link to a feedback form. Get in touch with our support team for help or more information.
You can change your cookie settings at any time. By using our services, you agree to our policy. DTTL and each of its member firms are legally separate and independent entities. Not covered by the Financial Services Compensation Scheme. Your actual return may be higher or lower than projected, for example due to the performance of the individual loans your funds are matched with, or a change in macroeconomic conditions. The below chart shows what could happen to projected returns if the bad debt rate were to double, as estimated in a stressed scenario modelled by the Bank of England. In this scenario we estimate that returns would remain resilient. Call or email our experienced team and they can help answer any questions you have. For example, a £20 loan part is sold for £19.75.
Our CEO, David Sproul, discusses the future of work in his latest blog. Past performance is not a guarantee of future returns.
By lending to businesses your capital is at risk.