Smart-Invest is an intelligent feature that helps you automatically invest your funds into opportunities. The chosen opportunities are selected based on your desired savings plan and risk appetite. You choose an initial investment amount, monthly investment amount and desired interest rate, we do the rest automatically. All businesses eligible for Smart-Invest have been hand-picked and reviewed against our strict criteria.

Getting Started

The Smart-Invest feature is great to use to take full advantage of your IFISA. Once you’ve set-up your IFISA, you can start your setting up your Smart-Invest from your dashboard. Here you define your investment criteria and set up your savings plan. It’s a great way to help you manage your risk and build a diversified crowdfunding investment portfolio.
1
Set up your IFISA
More information
2
Initiate your Smart-Invest from
your dashboard after logging in
3
Define your investment criteria
and set up your savings plan
Past performance and forecasts are not reliable indicators of future results. 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 and remember your capital is at risk.

Calculate future potential earnings

How much do you want to invest initially?
£250
£30,000
£
How much do you want to invest monthly?
£100
£5,000
£
How long do you expect to invest for?
1 year
10 years
years
What is the interest rate you would like to lend at?
6%
15%
LOW RISK
HIGH RISK
%

TOTAL INVESTMENT

£

TOTAL RETURN

£
after x years

TARGET INTEREST

%
This is the interest rate we will aim to lend at but the actual rate we lend at may be subject to change
Get started
Past performance and forecasts are not reliable indicators of future results. 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 and remember your capital is at risk.

How it works

System criteria

The system selects businesses based on your needs and criteria

System notifications

Every time an investment is made you will be alerted by our notifications system

Your repayments

Repayments are made back to you on a monthly basis and re-invested in new matching opportunities

Get started
When you set-up your Smart-Invest, the Crowd2Fund system will make initial investments into investment opportunities that fit your criteria. Funds will be taken from your bank account via direct debit on a monthly basis. You can choose not to re-invest your repayments, which include both your interest and initial loan capital.

You can pause your Smart-Invest plan at any time. You can access your capital by selling your investments to others on the Exchange.

Smart-Invest FAQs

How does the Smart-Invest process work? Who decides how my money is invested?

You tell us the interest rate and how much you want to invest. Then Smart-Invest invests in every business that is close to your criteria. Every month a direct debt payment is taken from your bank account for the specific amount stated, which is then deployed evenly into all businesses on the platform that are currently live, unless you have not invested in them already.

Can I choose in what to invest?

You can not choose the opportunities, but you can invest in more opportunities outside of your investment plan. You can also cancel an investment your Smart-Invest plan has made if you wish, as you’re always notified when an investment has been made.

Can I choose investment type - loan, revenue loan, equity, donation?

Smart-Invest currently only works with the loan and revenue loan opportunities, as these are the only funding types that qualify for your IFISA. More investment types will soon be added to Smart-Invest, whereby you will be able to configure your investing plan based on all types available.

Can I switch off Smart-Invest anytime? (Is my money locked in?)

You can switch off Smart-Invest at any time, as you are always notified when an investment has been made. You also have the chance to cancel an investment, should you not like one of the opportunities.

Is there a minimum amount I need to Smart-Invest?

The minimum investment amount for the Smart-Invest is £250, which needs to be invested up front to start your plan. We take an upfront investment, after which a monthly investment will be taken from your bank account via direct debit.

Who can Smart-Invest?

To be eligible to start Smart-Invest, you must:

  • be 18 years of age or older;
  • be a resident of the United Kingdom;
  • have an UK bank account;
  • have set up your IFISA
Can I choose interest rates in Smart-Invest? (What sort of return can I expect?)

The interest rate you choose is a 'desired' interest rate; it indicates to the system your target rate of return. Your actual return may vary based on market conditions and opportunities available.

Can I add funds monthly in my account via Smart-Invest?

Funds can be added via direct debt on a monthly basis. This is defined when you set-up your Smart-Invest plan.

How quickly will my funds be invested?

When your funds are taken from your bank account via Direct Debit, and you are notified, the funds take a few days to arrive in your Crowd2Fund wallet. As soon as your funds arrive they will automatically be pledged to a suitable campaign. You will start earning interest when the campaign target is met and the loan completed, usually a month after the campaign closes. Repayments are made directly into your Crowd2Fund wallet and re-invested into other opportunities automatically.

Can I make changes to my plan once I’ve started?

You can edit or cancel your investment plan from the Settings page or from the IFISA section on your desktop dashboard.

Can I access my funds?

You can access your funds by listing any Smart-Investments on the Crowd2Fund Exchange. When another investor purchases the investment from you, the funds for the investment will be added to your Crowd2Fund wallet.

What will I have to pay?

Smart-Invest is free to set-up. Investors pay a 1% fee of the value of every repayment when the repayment is made to you. You can understand more about how our APR and Fees are calculated here.

Is my money safe?

Your capital is at risk, but the funds are held in our secure 3rd party client funds manager Mangopay until the investment is confirmed. By risking your capital and lending directly to growing small businesses, you potentially receive a higher interest rate of return than funds in a traditional bank account.

Is my Smart-Invest plan part of my IFISA?

Smart-Invest is always done through your IFISA. You must set up your IFISA to invest using the Smart-Invest system before you start, to avoid any investments being made out of the IFISA wrap.

If you have multiple years’ worth of savings within your ISA, you are able to transfer these and continue earning tax free on Crowd2Fund for investments of up to £20,000 this 2017/2018 tax year. Investment returns above the allowed £20,000 from your ISA will be taxed. There is no fee for setting up an IFISA on Crowd2Fund.

Can I build more than one Smart-Invest plan?

You can only have one active Smart-Invest plan but you can modify this plan and also invest outside your Smart-Invest plan.

Do I need to provide ID/proof of address? Do you do financial checks when I apply?

Anyone who invests more than £2000 must provide a copy of government issued photo ID, normally a driving license or a passport. This is uploaded when you set-up your plan or add funds to your Crowd2Fund wallet.

How do you manage my portfolio?

We do not manage your portfolio as we are an execution-only platform. We do not provide investment advice but provide the system and information to make it easy for you to make investments in growing British businesses.

What reports will I receive from you?

We will send you a monthly Crowd2Fund statement which gives you an overview of your Smart-Invest plan performance.

8.7% APR is an estimate of what your returns will be for the next 12 months

Annual percentage returns

Because you will be investing regularly and in multiple businesses our 8.7% APR is an estimate of what your returns will be for the next 12 months before our fees and bad debt. You can read about our estimated APR in more detail here.

You can sell an investment at any time to another investor on the Exchange

Access to your capital

If you want to access your capital before the end term of a loan, then you can do so by selling an investment at any time to another investor on the Exchange. You define the sale price depending on how quickly you need the funds and the performance of the investment.

Every month you will receive an investment from your loans

Smart-Repayments

You will receive monthly repayments following the closure of the campaign in which you invested. If you wish to increase your portfolio ROI, then your repayments can be automatically re-invested on a monthly basis. This is done by agreeing to the 'Re-invest my monthly repayments’ tick box on the Settings page. This feature only works for repayments totaling £100 or more.

This is a setting that allows you to specify the wallet balance you wish a Smart-Investment to be made

Smart-Schedule

If you receive lots of small repayments, but don’t want the hassle of re-investing every time, we would like to invite you to set-up a Smart-Schedule. This is allows you to specify the wallet balance at which you wish a Smart-Investment to be made. For example, should you set your wallet balance at £150, the system will automatically invest the total £150 across campaigns that match your desired APR.

This is a feature that allows you to invest in all campaigns that match your criteria at the click of a button

Smart-Wallet

The Smart-Wallet allows you to invest in all campaigns that match your criteria instantaneously at the click of a button. You must have more than £100 available in your wallet for this feature to work. Simply click the Smart-Invest button from your dashboard and your investments will be made.

More advanced features soon

Enhanced features

We are hoping to introduce more advanced features that will let you include more exotic equity investments as part of your portfolio and more advanced profiling to ensure the Crowd2Fund platform understands your risk appetite more accurately, soon.

Past performance and forecasts are not reliable indicators of future results. 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 and remember your capital is at risk

Risk warning

Investments like these involve risks including loss of capital. Please see our risk section before making an investment decision