Withdrawals from our Access Accounts are slower than usual as we are no longer operating in normal market conditions as a result of Coronavirus. There is currently a queuing system in place, click here to find out more.
Withdrawals from our Access Accounts are slower than usual as we are no longer operating in normal market conditions as a result of Coronavirus. There is currently a queuing system in place, click here to find out more.

Lender Certification

To use our platform investors, need to select a profile which best describes their experience level. 

High Net Worth Investor summary:

An investor with significant income (£100,000 pa or more) or significant net assets (£250,000 or more). These investors will be asked to digitally sign the following statement, the wording of which is defined by the FCA regulations.

HIGH NET WORTH INVESTOR STATEMENT

I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of P2P agreements or P2P portfolios. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

  • I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more. Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement).
  • I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include:

                a. the property which is my primary residence, or any money raised through a loan secured on that property; or

                b. any rights of mine under a qualifying contract of insurance; or

                c. any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement                       and to which I am (or my dependants are), or may be, entitled; or

                d. any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on P2P agreements or P2P portfolios.

Sophisticated Investor summary:

An investor who has made more than one investment in peer-to-peer lending in the last two years or who meets certain other criteria relating to investment experience. These investors will be asked to digitally sign the following statement, the wording of which is defined by the FCA regulations.

SOPHISTICATED INVESTOR STATEMENT

I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of P2P agreements or P2P portfolios. I understand that this means:

i. I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in P2P agreements or P2P portfolios;    
ii.the investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.


I am a self-certified sophisticated investor because at least one of the following applies:

    a. I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;

    b. I have made more than one investment in a P2P agreement or P2P portfolio in the two years prior to the date below;

    c. I am working, or have worked in the two years prior to the date below, in a professional capacity in the provision of finance, resulting in an         understanding of the P2P agreements or P2P portfolios to which the promotions will relate;

    d. I am currently or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on P2P agreements or P2P portfolios.

Restricted Investor summary:

An investor who has not invested more than 10% of their net assets into peer-to-peer lending in the last year and who undertakes not to invest more than 10% in the next year. These investors will be asked to digitally sign the following statement, the wording of which is defined by the FCA regulations.

RESTRICTED INVESTOR STATEMENT

I make this statement so that I can receive promotional communications relating to P2P agreements or P2P portfolios as a restricted investor. I declare that I qualify as a restricted investor because:

i.in the twelve months preceding the date below, I have not invested more than 10% of my net assets in P2P agreements or P2P portfolios; and
ii.I undertake that in the twelve months following the date below, I will not invest more than 10% of my net assets in P2P agreements or P2P portfolios.


Net assets for these purposes do not include:

        a. the property which is my primary residence, or any money raised through a loan secured on that property;

        b. any rights of mine under a qualifying contract of insurance; or

        c. any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and              to which I am (or my dependants are), or may be entitled; or

        d. any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on P2P agreements or P2P portfolios.

- December 6, 2019