Innovative Finance Isas have been around since April 2016, but are only just becoming widely available. But there are now plenty of options – you can invest in the usual P2P loans to individuals or businesses and lend money to fund commercial or buy-to-let properties, community energy projects, invoice financing (providing working capital to small businesses), or even independent film productions. See below for a comprehensive list of IFIsas available to invest in now.
| Innovative Finance Isas |
| Provider |
Expected return |
Term |
Min investment |
Notes |
| Ablrate |
10%-15% |
Variable |
£100 |
Asset-backed business loans |
| Abundance Investments |
Up 8% |
Variable |
|
Renewable energy |
| Amberside |
5% |
Variable |
£100 |
Energy and infrastructure |
| Archover |
6%-10% |
Up to 3 years |
£1,000 |
Business loans |
| Assetz Capital |
3.75%-15% |
Variable |
£1 |
Various |
| Basset Gold |
6% |
3 years |
£1,000 |
Invoice financing/SME financing |
| Capitalrise |
10% |
|
£1,000 |
Property |
| Crowd For Angels |
4% |
5 years |
|
SME bonds |
| Crowd2Fund |
8.70% |
1-5 years |
|
SME loans |
| CrowdProperty |
8% |
|
£500 |
Property |
| Crowdstacker |
5%-7% |
2-4 years |
£500 |
Business loans |
| Downing |
5.89% |
Variable |
|
Asset backed bonds |
| EasyMoney |
4.05% |
3-24 months |
£1,000 |
Property |
| Folk2Folk |
5.5%-6.5% |
|
|
P2P secured business loans |
| Funding Circle |
7.20% |
|
£1,000 |
Business loans – Open to current investors only |
| Funding Secure |
12%+ |
|
£25 |
Subprime asset-backed lending |
| Fyzz |
5%% |
|
£2,000 |
Film finance |
| Goji Investments |
5% |
|
£1,000 |
|
| HNW Lending |
Not stated |
|
|
Asset-backed lending to individuals and businesses |
| House Crowd |
7% |
Min 3 years |
£1,000 |
Property |
| Kuflink |
3.99%-5.35% |
1, 3 or 5 years |
|
Property |
| Landbay |
3.26%-3.54% |
|
|
Property |
| LandlordInvest |
12% |
|
£100 |
Property |
| Lendahand |
5% |
2 years |
£50 |
Projects in developing Africa |
| Lending Crowd |
5.6%-6% |
Up to 6 years |
£20 |
SME loans |
| Lending Works |
4.5%-6% |
3-5 years |
|
Personal loans |
| Money & Co |
7% |
|
|
Business loans |
| Mongoose Crowd |
4.5%-6% |
Variable |
£100 |
Renewable energy projects |
| Oaksmore |
Up to 7.5% |
2 or 5 years |
£1,000 |
Heritage land holdings and buildings |
| Octopus Choice |
4% |
Varible |
|
Property |
| Prime |
7% |
3 years |
|
Business loans |
| Property Crowd |
11%+ |
10-15 months |
|
Commerical property |
| Proplend |
5%-12% |
|
|
Commercial property |
| Ratesetter |
Up to 4.9% |
Up to 5 years |
|
Business loans |
| Rebuildingsociety |
9.70% |
|
£10 |
SME loans. 5% early withdrawal fee |
| Relendex |
Up to 10% |
|
|
Property |
| Thincats |
Various |
1-5 years |
£1,000 |
Business loans |
| Triodos Bank |
5%-7% |
6-17 years |
£100-£500 |
Renewable energy and ethical businesses |
| Triple Point Advancr |
4.85%-5.9% |
1-3 years |
£1,000 |
SME loans |
| UK Bond Network |
7%-12% |
|
£5,000 |
Corporate bonds |
| Welendus |
5%-15% |
|
£100
|
Personal loans |
| Zopa |
4%-4.6% |
|
|
Personal loans |