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Innovative Finance ISAs

The Innovative Finance ISA was launched in 2015 and the first platforms started offering ISAs in 2016.  P2P lending platforms need to have full authorisation from the FCA and registered with HMRC in order to offer an IF ISA.

Company Typical
Return AER
Minimum
Investment
Minimum
Term
Transfer
In
Self
Select
Comments
Abundance 6% to 12% 5   Be prepared to hoild investments
for 15 years or more
Advancr 5.1% 1000 1 year    
5.6% 2 years
6.2% 3 years
Basset & Gold 6% 1000 3 years   No fees
CapitalRise 10% to 14% 1000     35 transfer out fee
Crowd for Angels 6% to 12% 100     Earn 2% AER on cash balances
Crowdstacker 5% to 7%     Earn 3% AER on cash balances but
must be invested by end of tax year
Crowd2Fund 8.7%      
Downing Crowd 4% to 7% 100    
Folk2Folk 5.3% 20,000       Existing customers only
50 tranfer out fee
Rate takes into account annual fee of
1%+VAT paid by direct debit
Formax   100      
Funding Secure 12% 25    
Goji 5% 5000      
HNW Lending 7% to 15% 10,000   75 transfer out fee
Kuflink 4% 100 1 year     35 transfer out fee
5% 3 years
Landbay 3.75%       50 transfer out fee
Landlord Invest 5% to 12%      
LendingCrowd up to 12%        
Lending Works 3.3%   3 years    
4.8% 5 years
Money&Co. 7% 1000      
Mongoose Crowd   100      
PropertyCrowd 8% to 12%   12 months  
Proplend 5% to 12%     Existing customers only
Relendex 6% to 10% 500    
Simple Backing            
UK Bond Network 9% to 14% 5000    
Zopa 3.5% to 6.5% 1000     Existing customers only
Company Typical
Return AER
Minimum
Investment
Minimum
Term
Transfer
In
Self
Select
Comments

1 Able to sell investments on secondary market

Details correct as of 7th July 2017.

Information taken direct from each of the companies listed above, unless otherwise stated.  Please also refer to the disclaimer.