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% | Variable | £10 | Asset-backed business loans |
| Abundance Investments | Approx 8% | Variable | Renewable energy | |
| 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 |
| 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 | ||
| 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 | |
| Zopa | 4%-4.6% | Personal loans | ||