244

Investors pledged

£ 1.42m

Pledged to date

£ 2.85m

With Future Fund

£ 10m

Target to deliver plan

Bring back a thriving economic landscape and invest in the future of thousands of innovative entrepreneurs — and earn 4.00% APR at the same time.

The challenge

COVID-19 has changed everything. The future of our economy — and prosperity across the globe — is at risk. However, we are not powerless or alone in beating the challenges ahead.

You can support the new, and renewed, businesses that will play a vital role in reviving our economy and set us up for sustainable, long-term growth.

The solution

Through Reboot Britain we will scale the Crowd2Fund platform and technology — releasing billions of pounds in risk capital for high growth entrepreneurs.

Simply subscribe funds and earn 4.00% APR

1st interest payment date - 28th February

Ability to subscribe additional funds

£0 annual interest

Capital at risk

Estimated earnings assumes repayment balance fully subscribed on day 1. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser. Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and may be subject to change in the future.

Access to your capital

The Exchange is currently disabled because we’re implementing improvements and we aim to re-open it soon. When the Exchange is reopened you can potentially access your capital invested by selling some or all of your Reboot Britain investment to another investor on the Exchange assuming market demand.

You can also pledge your repayments to earn monthly interest of 4.00% per year paid monthly. You can cancel your pledge or any future repayments being pledged at any time.

Because this is a convertible note you’ll get the option to buy equity in Crowd2Fund at the next round — with a 20% discount and an additional 4.00% in interest paid in shares. Final terms are subject to sign-off from the British Business Bank Future Fund.

Sign in for term sheet

Risk warning

Peer-to-business lending through Crowd2Fund is not the same as holding a bank or building society savings account. When making a peer-to-business loan, your capital lent to a borrower is not covered for compensation in the event of a loss by the Financial Services Compensation Scheme

What is the Reboot Britain Plan?

The Reboot Britain Plan details how we will use your investment to scale the Crowd2Fund platform, funding 3,467 entrepreneurs with £274m of investment capital per year. We will also be releasing Crowd2Fund across the Commonwealth to give UK SMEs access to new markets and a platform to scale.

What is the Future Fund?

The Future Fund is a UK Government initiative. It supports innovative businesses creating the jobs of the future, with at least £500m of match-funding available. These funds are being allocated to qualifying innovative companies who are helping secure the future of the UK economy and revive job creation. Crowd2Fund may apply for additional government funding from the Future Fund to help achieve the £10m target.

Learn more

Why should I choose Crowd2Fund?

Crowd2Fund is an FCA regulated investment platform, which has been successfully trading for 7 years. We’ve funded over 500 businesses with £40m in private investment capital. Our community has created 1000’s of jobs and new products while helping boost GDP. When you invest in Crowd2Fund, your money grows exponentially as we help 100’s of other businesses achieve their goals. Our method is revolutionary, and ready to scale.
Learn more here.

What are the returns from your investment?

Investors earn 8.00% per year on the balance of their investment, 4.00% is paid monthly and 4.00% is paid on maturity. Additionally, investment will convert to equity at a 20% discount at the next round, please see terms for conversion details. Investors can potentially access their capital by selling their investment to another investor via The Exchange, can subscribe further funds or stop re-investments at any point.

What will the new platform offer?

The next stage of Crowd2Fund will unlock the FinTech capability of the platform, as a provider in it’s own right. This includes full banking capabilities, payments, debit cards and an international Exchange. Our goal is to provide investment capital and banking services for entrepreneurs, while providing access to Commonwealth markets. A Commonwealth rollout of Crowd2Fund gives British entrepreneurs access to an international community that will help UK-based global SMEs scale — Rebooting and reviving Britain in the process.

Tell me about other Reboot Britain projects?

After our initial campaign, other businesses that qualify for Reboot Britain will be made available on Crowd2Fund. Investors can continue supporting the growth of the economy in other sectors — such as HealthTech, FinTech, AI, Environmental, and other post-COVID-19 viable businesses.

Enjoy unique rewards

In addition to 4.00% APR, and the knowledge that your investment is bringing life back to the British economy, we also offer a range of exclusive rewards for pledging your support.

Your Investor Coin

Investors who invest a minimum of £500 will receive a limited edition Crowd2Fund ‘Debit coin’. This coin can be used as contactless payment that will be taken from your Crowd2Fund account.

Priority Access

Investors who invest £1,000 will be able to access the new platform early. This means you can input into the development process and access new exciting features early.

VIP Experiences

Investors who invest a minimum of £5,000 are invited to exclusive events. Investor Club events have high profile guest speakers and entertainment.

Zero Fees For Life

If you invest a minimum of £10,000 into the Reboot Britain initiative. Truly be part of the programme and enjoy all the benefits.

Rewards are subject to final T&Cs and the delivery date of some of the rewards can not be guaranteed.

But I’m not an investor?

Even if you don’t currently invest with Crowd2Fund, you can still take part in this campaign — and earn 4.00% APR tax-free on your investments. Simply subscribe funds to the campaign by clicking on the button below. You will start receiving interest payments on a monthly basis, on the same terms as other investors.

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.

Any more questions?

If there’s anything you’d like to ask, just get in touch with the team here and we’ll respond as soon as possible.

Hi, just signed up to your pledge, but then reliased I never checked if it was within the IFISA?

This investment will be part of your IFISA if you have not subscribed your full IFISA allowance this year. Up to £20,000 can be invested per year via the Innovative Finance ISA.

I was trying to access old "investment opportunitues" page where there were a lot of different businesses to chose from. Why am I getting redirected to "Reboot Britain" page? :(

We started accepting new applications for investment at the start of October and we are currently processing a number of deals in line with our new post COVID-19 credit policy. Because we’ve not been issuing new loans for a while it’s taking time to build up our deal flow pipeline. We expect the first investment opportunities to be listed this month.

Do you not plan to return to the pre-Covid investment model where I can choose what to invest in, and get more than 4% return?

I don't want to invest the full amount that is in my wallet or pledge future earnings. Can I choose how much to invest in the loan?

We are currently working on allowing investors to choose the amount to invest. This will hopefully be available over the coming few weeks. You will be able to choose the amount of your wallet balance to invest or the value of your repayments to invest.

Hi, what are the various stages of this scheme, and what do you expect the timeline to be?

Once the funds have been raised, investors will receive 4% as monthly repayments, with 4% being due upon maturity; the term is 36 months. Further details are available on the Term Sheet which can be found at the bottom of the campaign. We plan for the funds to be used to deliver our Reboot Britain plan which you can also download from this page.

Does this mean that the old opportunities investment system is no longer available to IFISA investors

Can you confirm that the return is 4% per month plus 4% at the end of term in reboot Britain scheme. Is the default term 36 months or will there be shorter terms for shorter term investors.

The final terms are pending approval from the British Business bank however this is what we hope to be able to repay investors. The terms are mostly consistent with the standard terms of the British Business Bank Future fund however we would like to pay interest monthly rather than at the end of the term of the loan.

What happens to my existing investment and the current returns I am receiving.will they be allowed to run their course.If I decide to only invest the income from my existing investments will this be permissible .Brian

If you have pledged your wallet balance and future repayments balance then the repayments from your existing portfolio will be pledged to the Reboot Britain campaign. If you want to stop these repayments being pledged into this campaign then you can cancel the pledge from the setting page at any time. Interest earnings from the Reboot Britain campaign will be reinvested into the campaign unless you decide not to.

Am I right in assuming that if a company takes a loan, 50% of the funds is from crowd2fund investors and 50% is from the government. If so, what is the procedure if the company defaults?

If the loan has not converted into equity and the company cannot afford to repay it, there is an option for the lenders to allow the loan to convert.
In the event that a default occurs during the term of the loan and prior to it converting, the loan becomes immediately repayable and the lenders become unsecured creditors of the Company. There is no preferential treatment for the government’s portion - they would be treated identically to matching lenders. It would just be the standard procedure on any loan default.
We do however plan to grow the company so the monthly interest payments are feasible and always have the option to raise further finance.

Whilst it’s clear with this opportunity I’d get 4% repaid in cash each month and 4% on maturity that can be converted into equity, it’s not clear whether on maturity the capital pledged is repaid into my wallet or convert into equity. Please confirm

The presumption is that the capital is converted into equity which should be an attractive outcome because of the increased size of the business. The circumstance of the business in 36 months, terms of the next round and final terms agreed with the Business Business Bank for this round are all factors which will determine the actual conversion triggers. Please note we also hope to have the Exchange operating soon where the investment should be transferable to another investor assuming market demand.