Choose the entrepreneurs you back and earn 12% to 18% APR*, before fees, tax and bad debt.
Register now*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.
Innovative Finance ISAs (IFISAs) offer an opportunity to invest in innovative businesses while
potentially enjoying strong returns — appealing to the entrepreneurial
spirit in us all.
Since their launch in 2016, the popularity of IFISAs has grown rapidly.
Increasingly, IFISAs attract savers seeking to boost their income and investors aiming to
diversify their portfolios. While the returns on IFISAs can exceed those offered by Cash ISAs,
it’s essential to note that Cash ISAs are savings products and IFISAs are investments. IFISAs
involve a higher level of risk but offer the potential for greater rewards.
IFISAs empower individuals to support entrepreneurial businesses and help fund vital parts of the
economy, offering a chance to make a positive impact while potentially enjoying healthy returns.
Innovative Finance Individual Savings Accounts (IFISAs) are investment accounts that let you earn
tax-free returns. You have an allowance of £20,000 per year to invest across all IFISAs and ISAs.
With the Crowd2Fund IFISA, you stay in control of where your money is invested. The flexible
IFISA lets you choose
the entrepreneurs you back while potentially earning tax-free returns before fees and bad debt,
depending on investment grade.
Investor fees: Investors are charged with 1% repayment fee. IFISA minimum
opening amount starts from minimum £100.
ISAs have long represented a reliable way to save and invest. Crowd2Fund offers great returns, flexibility and impeccable service, supported by our innovative technology.
You can shelter up to £20,000 of your Crowd2Fund investments from tax, per year.
Earn an estimated 12-18% APR return tax-free before fees and bad debt.
Support British entrepreneurs, help grow the economy and choose innovative businesses to invest in.
Easily transfer your old ISA to your Crowd2Fund account quickly and hassle free.
Potentially access your capital by selling your investments to other investors via the Exchange.
Use our Smart-Invest feature to manage your investing automatically.
We help entrepreneurs who have fast-growing British businesses to take the next step. Businesses that have proven success, a social or ethical cause, or can offer rewards are best suited to Crowd2Fund.
Martin, Founder of Bishopsgate Law, received £321,446.43 from 676 investors for cash flow and expansion.
Richard, Founder of DCC Concepts, raised £106,408.28 from 221 investors for stock and working capital.
Fungai, Director of The Flame Lily HealthCare, raised £63,996.26 from 151 investors for business expansion.
Rob and Dale, Founders of Wine and Something, raised £132,460.48 from 323 investors for stock purchase and expansion.
Use this calculator to estimate your tax-free earnings.
Estimated interest earned
Estimated tax savings
Estimated old ISA earnings
Crowd2Fund fees
Crowd2Fund is fully mobile responsive, working seamlessly on all handsets, with an iOS app too. As an investor, it’s easy to engage with the businesses and manage your portfolio. If you need any assistance, our investor support team is here to help
Registering your IFISA with Crowd2Fund is a simple process.
Register to the platform for free and easily set-up for Innovative Finance ISA or IFISA.
Confirm your old ISA manager details. We will handle the rest and transfer your ISA quickly and easily.
As an Investors, you choose exactly which business you want to back, and lend to directly via the platform. You can also potentially sell your investment to another investor on the Exchange.
The IFISA is offering investors potentially higher returns of 12 to 18% APR, before fees and bad debts, in comparison to the old Cash ISAs which are between 1.44% to 2.12%.
In addition to the potentially higher returns, investors can also choose to support businesses they like, and this way of investing also helps the economy grow at the same time.
You are able to transfer your old Cash ISA to our IFISA and continue earning tax-free returns on the invested amounts on Crowd2Fund.
We can only accept Cash ISAs, or the cash that is in a Stocks and Shares ISA i.e. stocks and shares would need to be liquidated before the transfer can occur, or the investor would need to have free cash in the Stocks and Shares ISA already.
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.
There are no fees for activating an IFISA, for cancelling or transferring out at any time.
You can open more than one IFISA but only subscribe to one IFISA per tax year .
You have subscribed to an IFISA if:
You have added new funds since activating an IFISA.
You added funds to an existing ISA this tax year and then transferred these ISA funds into an IFISA.
If you don’t subscribe to your IFISA within the tax year, i.e. if you don’t add new funds into your IFISA, it will automatically be cancelled at the end of the year.
The tax year runs from 6 April to 5 April.
There is no limit on the amount of existing ISAs you can transfer. However, you will need to complete a new form for each provider.
If you have Cash ISA savings that you have built up in previous tax years, you can transfer as much as you like, or as little as £10, to your IFISA. In tax year 2020/2021, you can subscribe up to £20,000 across your ISAs.
You can easily withdraw your funds from your IFISA whenever you like.
However, you should be aware that withdrawing funds will remove them from your
ISA wrapper, but you can replace these funds within the same tax year without
affecting your yearly subscription.
The form is easy to complete and asks for basic details including information about your old ISA provider and your authority for the transfer of funds.
We will need a copy of a valid photo ID for compliance purposes before you start investing.
Once we receive your completed ISA transfer form, we will send it to your old ISA manager to be processed. It should take around 15 days to be processed, but we will keep you updated on progress.
Your funds are not earning interest while in your account. In order to earn interest, you would need to make investments in loan-based campaigns that are IFISA eligible through your Crowd2Fund account.
Your IFISA won’t close when the tax year finishes. You will keep your savings on a tax-free basis for as long as you keep the money in your IFISA account. However, it will close if you do not subscribe that tax year.
If you'd like to transfer your current Innovative Finance, Cash or Stocks and Shares ISA, please complete the online Transfer Authority Form .
The form can be completed fully online after creating your Crowd2Fund account and activating your IFISA. If you would prefer to download the form and complete it, you can do that here, or by emailing info@crowd2fund.com.
Once the completed form is received, we will liaise with investors previous ISA manager to transfer a Cash or Stock and Shares ISA to us. In case you change your mind, you’ll get 14 days cancellation rights. There is no fee for opening or transferring an ISA to us.At Crowd2Fund, we want to make sure that every investor is taking advantage of all the benefits of investing with the Crowd2Fund platform. The Innovative Finance ISA or IFISA is one such product that leverages your annual ISA allowance, and can be accessed easily via the Crowd2Fund platform. Below we’ve created a series of videos to explain how it works and how to get started.
Have you ever heard about the Innovative Finance ISA or IFISA? You can earn tax-free returns on up to £20,000 investment per year. Just like other ISAs. What's the difference?
You'll invest through the peer-to-peer lending market with the Crowd2Fund IFISA you'll be investing in the future of great British businesses. And without the usual middlemen you could see returns between 6 percent and 18 percent before fees and bad debt, potentially earning higher returns than your high street bank. Investing in Crowd2Fund is investing in success. For direct access to established businesses you choose who to invest in and you'll see them grow. You are always in control of your investments giving you the flexibility to build a diverse portfolio based on your own interests and risk appetite, supported by our due diligence. So what's our goal? It's simple really...to enrich your investing experience and give you the control.
The innovative finance ISA or IFISA is a new type of ISA for the peer-to-peer lending market.
In the year running from the 6th of April you can save up to twenty thousand pounds and all of your earnings will be tax-free. The Crowd2Fund IFISA puts you in control and allows you to lend your tax-free ISA allowance to exciting British businesses at an agreed interest rate between 6 and 18 percent before fees and bad debt. This is far higher than a traditional cash ISA. Please bear in mind your capital is at risk so it's important to build a diversified portfolio by investing in many businesses in multiple sectors to reduce your risk. For more information while getting set up or transferring your old ISA.
The Crowd2Fund IFISA is flexible. Any funds withdrawn from your account can be replaced without contributing further to your annual ISA allowance, as long as this is done within the same tax year.
For example if an investor has an account with a balance of £50,000 and they temporarily need to access their capital they can do this. A flexible ISA allows them to withdraw up to the £50,000 and pay it back in at any time within that financial year without it being considered new money. Even though investors can withdraw throughout the year it is sensible to stay fully invested so you can maximize your potential earnings.
Transferring your old ISA to Crowd2Fund's IFISA is quick and easy and it won't affect your annual ISA allowance.
All you have to do is complete the ISA transfer authority form linked below, return it to us and we'll do the rest. This process should take no longer than 15 working days. Before you do this, check with your existing ISA provider to see if there are any rules or restrictions.
Recent investor listings. The IFISA is one of a number of different types of ISA that you can choose from.
You can split your £20,000 ISA allowance between the IFISA, a cash ISA, a stocks and shares ISA, a lifetime ISA, and a help to buy ISA. When investing in the Crowd2Fund IFISA any earnings you make will also be contained within the ISA wrapper. This means you can reinvest your repayments without affecting your annual ISA allowance enabling you to earn interest on your interest. You can also continue to invest over the ISA allowance with Crowd2Fund but any earnings from non-ISA investments will need to be declared to HMRC.
Westbourne Studios 242 Acklam Road W10 5JJ London
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.