Innovative Finance Isas have been around since April 2016. There are still 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 providing off-grid solar power in Africa. See below for a comprehensive list of IFIsas available to invest in now.
| Innovative Finance Isas | ||||
| Provider | Expected return | Term | Min investment | Notes |
| Ablrate | 9%-15% | Variable | £100 | Asset-backed business loans |
| Abundance Investments | 8% | Variable | Row 3 - Cell 3 | Renewable energy |
| Amberside | 5% | Variable | £100 | Energy and infrastructure |
| Archover | 6%-10% | Up to 3 years | £250 | Business loans |
| Assetz Capital | 3.75%-4.1% | Variable | £1 | Various |
| Capitalrise | 8-10% | Row 7 - Cell 2 | £1,000 | Property |
| Crowd For Angels | 7% | 5 years | Row 8 - Cell 3 | SME bonds |
| Crowd2Fund | 6%-15% | 1-5 years | Row 9 - Cell 3 | SME loans |
| CrowdProperty | 8% | Row 10 - Cell 2 | £500 | Property |
| Crowdstacker | 4%-7.25% | 2-4 years | £500 | Business loans |
| Downing | 2.25-7% | Variable | Row 12 - Cell 3 | Asset backed bonds |
| EasyMoney | 3.08%-6.01% | 3-24 months | £100 | Property |
| Energise Africa | 6.75% | 12-24 months | £50 | Renewable energy projects in Africa |
| Ethex | 3%-10% | up to 15 years | £20 | Ethical and rewneable investing |
| Folk2Folk | 6.5% | 6 months - 5 years | £20,000 | Secured small business loans |
| HNW Lending | Not stated | Row 17 - Cell 2 | £10,000 | Asset-backed lending to individuals and businesses |
| Kuflink | 7% | 1, 3 or 5 yrs | Row 18 - Cell 3 | Property |
| LandlordInvest | 12% | Row 19 - Cell 2 | £100 | Property |
| Lendahand | up to 7% | 2 years | £50 | Projects in developing Africa |
| Lendwise | 9% | Row 21 - Cell 2 | £20 | Education finance - student loans |
| Money & Co | 7% | Row 22 - Cell 2 | Row 22 - Cell 3 | Business loans |
| Proplend | 5-12% | Row 23 - Cell 2 | £1,000 | Commercial property |
| Rebuildingsociety | 9.7% | Row 24 - Cell 2 | £10 | SME loans |
| Relendex | Up to 10% | Row 25 - Cell 2 | Row 25 - Cell 3 | Property |
| Triodos Bank | 5%-7% | 6-17 years | £100-£500 | Renewable energy and ethical businesses |
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