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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.
At Crowd2Fund, we want to reward existing investors and encourage you to share your success from using the platform. Enter Refer & Earn: a bonus scheme that allows you to get 2% cashback on investments made by someone that you refer to the platform after 12 months.
28th May 2021
As an existing investor in Crowd2Fund, you may already be benefiting from an average APR of 10.99%*, and familiar with our dynamic crowdfunding platform.
What you may not know is that we have a bonus scheme in place to reward our existing investors for their continued support in Crowd2Fund, and this comes in the shape of Refer & Earn. This allows you to get 2% cashback into your Wallet on investments made 12 months after someone you refer joins the platform. This can boost your IFISA and investment returns even further, having the potential to generate thousands of pounds in extra cash. So far, investors have earned tens of thousands of pounds by referring their network.
How Do I Refer?
We present to you the five easy steps that get potentially net you a few extra thousand pounds:
Log in to your Crowd2Fund account and click on ‘Portfolio’
If you have an active investment, follow the instructions on the “Refer & Earn”
Share the unique link and code generated amongst people that you think would suit the platform
Ask them to use your unique code when they sign up so we know who to give cash to
We credit your Wallet after 12 months
Why Refer Friends to the Platform?
It’s a no-brainer: you get extra returns on your investments for very little effort. Existing investors to receive the 2% cashback offer from up to five referrals. If these five referrals utilise their full IFISA allowance (currently £20,000 per annum) this will result in £2,000 extra cash for the original referrer. To maximise returns even further, investors may choose to deploy these funds into debt campaigns on the platform through live opportunities or on The Exchange.
Share Investment Knowledge
As one of only a handful of platforms to offer direct investment options, investors on Crowd2Fund are able to individually pick the companies they invest in. Portfolios are built on individual interests (i.e. by sector), alongside a desired level risk criteria.
Inviting friends to the platform with mutual interests allows you to double down on your shared knowledge to build a bespoke portfolio. This will also give you the opportunity to discuss the Innovative Finance ISA (IFISA) and its benefits over more traditional savings schemes.
So, why not sit tight and potentially earn a couple thousand extra pounds by simply sharing around to your network and friends? Be that trendsetter and start referring now!
Support More UK Entrepreneurs and Growing Businesses
At Crowd2Fund, we work hard to find the UK’s fastest-growing and most innovative businesses for you to invest in. By getting your network to join the platform, you are helping create more successful businesses and entrepreneurs which generates jobs and economic prosperity for all.
*before fees and bad debts
This offer is not available to anyone who is an advisor providing personal recommendations.
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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.
Risk summary for P2P agreements or P2P portfolios
Estimated reading time: 2 min
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.
