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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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Nearly 30 years of trading. £5.2m revenue in 2025 with over 5,000 live customers supported across assistive technology, training, coaching and workplace needs assessments.
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A blue-chip corporate client base including Transport for London, Channel 4, Mondelez, Esure and leading law firms such as Norton Rose Fulbright, A&O Shearman and Taylor Wessing.
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A fast-growing corporate channel earning around >60% gross margin, with a dedicated sales team in place and a target of 10 or more new corporate clients this year.
Our Story
Thriiver was founded in 1997 with a simple belief: everyone deserves the tools and support to do their best work. I Lawrence founded the business as a dyslexic thinker myself and for nearly three decades we've helped neurodivergent people succeed in the workplace through assistive technology, specialist training, workplace needs assessments and one-to-one coaching.
Much of our growth has come through the Government's Access to Work scheme, where we support over 5,000 live customers. Processing delays in that scheme have softened sales this year, which is exactly why we're transitioning towards direct partnerships with employers. Organisations like Transport for London, Channel 4 and some of the UK's leading law firms already trust us.
This funding supports that transition: investing in sales and account management, building our brand, and upgrading our systems to serve a much larger client base. We're established, specialist and ready for our next chapter.
Credit Commentary
Thriiver Limited is a well-established UK business, incorporated in 1997, with an established track record and a specialist market position. The company has demonstrated consistent scale, generating £5.44m turnover and £136k profit before tax in 2024, while maintaining a strong gross margin of 38.3%.
The balance sheet remains supportive, with £744k of net assets and £440k of net current assets at December 2024. The company also maintains a relatively strong financial position with no recorded CCJs and a positive trading history.
The business is led by Lawrence James Forster Howard, who has been the sole director and 100% shareholder. The company employs approximately 37 staff, demonstrating an established operating platform.
Credit view: Thriiver represents an established and fundamentally sound trading business, supported by a long operating history, strong gross margins, positive net assets and a clean CCJ profile. While profitability and cash balances reduced during 2024, the company remained profitable and retains a solid underlying balance-sheet position. Overall, the credit profile is considered positive, with affordability evidenced via the bank statements.
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.