loanLoan
Capital at risk
24
Months
13.0%
apr
Director
guaranteed
Capital at risk
Director guaranteed
Amount
£
You make
£
Minimum investment is £100
Total return
£
Monthly repayments
£

DCCConcepts is a model railway accessories and essentials based in Settle UK. Home of Zen, Cobalt, Alpha and Legacy brands. Founded by Richard Johnson, who has more than 40 years hands on experience in both US and UK prototype railway modelling. He is seeking funds for stock purchase and expansion.

Making it possible to turn any railway model into something very special.

DCCConcepts revolves solely around model railways and the equipment, tools, techniques and special items that, combined with good information, a will to do it well and a little practice, makes it possible to turn any railway model into something very special. We have a showroom and office in Settle, United Kingdom and are home to the best brands in the industry including: Zen, Cobalt, Alpha and Legacy brands.

Any business is simply the sum of its people’s abilities and attitudes. I have over 40 years hands on experience in the industry. I believe that alongside my experience and passion, it is the staff that has allowed for the continual growth of the company. All new staff bring to the company a constantly widening range of modelling skills and experience. We all love the hobby and we care about quality in modelling – we love to teach and help too. As real modellers attract other modellers, all those who provide help and services to us are from the same mould – “can do” people with excellent skills who will not compromise the quality of their results for anything, whether they are doing it for themselves OR for you! Because of this we truly appreciate how much models mean to our customers, and understand the issues relating to railway modelling and DCCConcepts intimately.


We are leaders in the sector, with a 4.9 star rating on Google and many returning customers. With our history, innovation and positive attitudes, we have developed a reputation of excellence within the sector. Currently, we are in a phase of expansion and seeking funds for stock purchase. We are delighted about this opportunity to further growth.

Covid Resilience:
Like many businesses across the UK, DCConcepts faced challenges during the pandemic. However, they overcame these and are in a good position.

Credit commentary:
The director is providing a personal guarantee, this means that if the business fails, the director becomes personally liable for the loan. The director is not a homeowner, which is outside credit policy. The mitigants for this credit policy exception are that this is a well capitalised, established and profitable business with high margins. There have been no CCJs for the business or director. In 2020 and 2021, other operating income was £24,551 and £31,234. The admin expenses in 2020 and 2021 were £366,638 and £602,910. The admin expenses in the 2020 to 2021 financial table below includes the addition of other operating income. The bank statements demonstrate reasonable affordability.

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Business keeps the raised amount even if target is not met.
Loan - product type
Maximum
£ 106k
Raised
£ 106k
Investors
221
Est close date
Funded 5 months ago in 19 days

Where will the funds go?

Working Capital
£53,191
Stock
£53,192

Key people

Richard Edward Johnson
Director

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Business brand

Settle, UK

"Making it possible to turn any railway model into something very special."

Incorporated
7 years, 2 months
Credit risk indicator

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.