Innovative Finance Isas available to invest in now

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