Innovative Finance Isas available to invest in now

last updated 18 February 2022

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.

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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