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BRIGHT YOUNG FUTURES

Social services provider. Empowering young people (16+). Returning C2F client. Good repayment record.

Funded 8 months ago, in 29 days
61 investors
Successful
Key information WebsiteCompanies House
RAISED
£10k
TARGET
£13k
INVESTORS
61
Months
Funded 8 months ago
APR
15.0%
IFISA
Director Guaranteed
£
Minimum investment is £100
Estimated return
£
Total estimated return
£
Monthly repayments
£
Please note: The estimated return is not guaranteed and is subject to loan performance.
Our APR explained
✔ In our most recent Ofsted inspection we achieved a “good” rating.
✔ We combine social purpose with proven performance and an excellent repayment history.
✔ We continue to build a good reputation and have developed strategic relationships with local authorities which has led to increased demand in our services and a growing waiting list.
Our Story
Bright Young Futures provides young people aged 16+ including care leavers and those facing disadvantage or additional needs with safe housing, personalised support and life skills development to break cycles of vulnerability and build independent, fulfilling lives. We offer short to long-term accommodation tailored to each individual, ensuring stability, emotional safety and structure at a pivotal time. Each young person receives one-to-one support from a dedicated key worker, building skills in household management, budgeting, education and employment preparation, legal awareness, sexual health and wellbeing. Our “Think Big” framework gives young people power over their own journey, helping them recognise strengths, set goals, and take positive steps toward secure independence. With your support, we can expand capacity, strengthen our programmes and give more young people the foundation, confidence and skills needed to thrive not just survive as they transition into adulthood.
Credit Commentary
Founded in 2018, Bright Young Futures support young people from the age of 16+ that have been referred by the council. They provide short to long term housing for young people, accommodating all genders, including young people with additional needs and a complex background. Ownership of the company is shared among Jahrone Beckford (35%), Nicole Beckford (35%), and Paul Dixon (30%). The company holds an Equifax grade of D(-). All the shareholders have a decent credit profile and are providing Personal Guarantee offering comfort regarding their financial standing and commitment. Bright Young Futures is a repeat business and the debt obligation with C2F has been settled. They are now looking for another fresh loan. The company’s financial performance exhibits a growing upward trajectory with Turnover of £893k (YE Oct '24: £1.4m; YE Oct’23: £1.3m) for 9M YE Oct’25, translating into an Operating Profit of £168k (YE Oct '24: £99k; YE Oct’23: £98k). We have used Open Banking data which mirrors their financial performance stated on records and shows a good affordability for the loan. The company will be utilising funds in leasing additional property, refurbish it, and turn it into a children’s home and alongside develop a new staff team to manage the house. Inflation Risk - The business is not materially impacted by inflation and the business can reasonably justify adjustment to the rates to their clients.

Business brand

London, UK
Incorporated
8 years, 0 months
Credit risk indicator
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Where will the funds go?

We plan to renovate a property that we have acquired for another residential home
£35,000
We are planning to add a out house in the garden that we will use as a school.
£30,000
Recruitment and training of a high quality staff team
£20,000

Key people

Jahrone Beckford
Director
NB
Nicole Beckford
Director

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Top Pledges
Date
Amount
Feb 08, 10:00:58
£2,000
Feb 11, 11:45:36
£1,000
Feb 05, 19:58:24
£500
Funded 8 months ago, in 29 days
61 investors
Successful

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.