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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.
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Our consistent, high-quality service builds strong client trust—resulting in ongoing referrals from family and friends.
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Our approach blends cutting-edge accounting tools with deep industry knowledge, enabling us to deliver accurate and dependable financial statements.
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We remove the burden of complex financial information by transforming it into practical, clear, jargon-free reports. This gives our clients a deeper understanding of their business and the insights they need to focus on long-term strategy.
Our Story
We offer all the traditional services you’d expect from an accounting firm, but in today’s highly competitive market we go a step further by providing practical, hands-on business advice. By working closely with our clients, we build strong, personal relationships that help us quickly identify challenges and spot new opportunities—allowing us to deliver a truly bespoke accounting service.
We provide high-quality accounting and taxation support for both businesses and individuals. Our services include (but are not limited to) Accounting and Bookkeeping, Income Tax and Self-Assessment, VAT, Business Advice and Support, and Corporation Tax.
Our experienced team pride themselves on offering a friendly, personal, and professional service. We understand the pressures of starting and running a business, and we’re here to help make the process as smooth as possible. By applying our knowledge and expertise, we aim to support your growth and help your business thrive.
Credit Commentary
Based in Surrey, Accounting As You Go Ltd offers a wide range of accounting services covering business accounting and bookkeeping, company secretarial, payroll/HR, VAT Services, business advisory and corporation tax support. The firm was incorporated in August 2018 and is owned by Irem Lopez who is also a Director within the business. The company holds an Equifax score of D and our internal credit grading score ranks it as a Medium risk-based credit investment. The director and sole shareholder of the business, Irem Lopez, is providing a personal guarantee, which means should the company fail to repay the loan, we can turn to the guarantor to cover any shortfall. The credit profile of the shareholder is good. The company’s financials show a stable and gradually improving performance. Over the past three years, reported revenues were £99k in YE Mar’2023, £99k YE: Mar’24 and £115k for YE Mar’2025. Correspondingly, operating profit increased from £49k for both the years 2023 and 2024 to £62k in YE Mar '2025. On the balance sheet front, the Net Assets stood at £16k for YE Mar'25. The EBITDA of the company is sufficient to cover the proposed loan facility. And the bank statements of the business look modest and accounts remain well in credit. The loan will be used to fund marketing focused website development aimed at attracting new clients.
Inflation Risk:
The business is not materially impacted by inflation.
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.
Congratulations
You have successfully activated your IFISA.
Thank you for transferring your ISA to Crowd2Fund
This completed form will be sent to your current ISA manager and we will request a transfer.
This can take up to 30 days but we’ll process as quickly as possible and let you know when
your funds have arrived.
Then you can start investing in great entreprenures.
Activate your Innovative Finance ISA for April 2026 to 2027
Activate your Innovative Finance ISA with Crowd2Fund, and continue investing your £20,000
annual allowance with us for this tax year. If you’re not ready to activate your IFISA this
year, then please click
here.
You can always invest outside your tax-wrapper too.
If you’ve not decided yet, then we’ll remind you again in a few weeks.
We’d love to help you make the most of your annual IFISA allowance this tax year.
Thanks
The Crowd2Fund Team
Risk warning
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.