Crowd2Fund is the only technology-led platform allowing entrepreneurial investors to actively choose the individual businesses they invest in. Investors have the opportunity to choose loans across various sectors earning returns between 6% to 15% APR, before fees and bad debt, all within the tax-free Innovative Finance ISA wrapper.
The IFISA that gives you genuine choice and control
Founder and chief executive, Chris Hancock, explains that “the IFISA has enabled innovative platforms to challenge the older P2P lenders and offer more choice to investors.”
“From an investor perspective, we’re offering more because your funds are not pooled with institutional funds and you get the opportunity to review each opportunity in detail.”
He says, “for us, it’s crucially about having lots of transparent information about the businesses and being able to make a balanced investment decision yourself. We are a genuine execution-only P2P platform.”
Connecting A Community of Businesses And Investors Crowd2Fund puts a strong emphasis on community and connection between the investor and the borrower. The investors can even contact the businesses they plan to lend to with their queries.
The relationship between the investor and the borrower does not end with the loan. The investor may become a client of that business, through investor rewards and perks, or an equity investment further down the line, as Hancock explains.
“As a group of investors, you’re helping that entrepreneur succeed; you might share with your network of friends or reinvest in the future or even become a customer of your borrower. That’s what’s really valuable.”
Technology Innovations to enhance the investor experience
Crowd2Fund are constantly developing new technologies to enhance their investor experience. One such success is their Exchange, where investors have been extremely active in trading loans with each other.
“People love trading on the Exchange because it introduces that gamification where they can buy and sell investments at a rate they decide upon,” Hancock affirms.
“As well as boosting liquidity, it helps people diversify their portfolio which is so important to manage risk exposure.”
Looking to the future, Crowd2Fund will soon launch a slew of new features that underline its commitment to innovation.
In the second quarter of this year, an opt-in ‘contingency fund’ will be introduced, allowing investors to effectively pool their losses to minimise risk. The platform also intends to open up the recoveries process to investors, as part of its efforts to make the lending experience as transparent as possible.
According to Hancock, investors will be able to take a more active role in the recoveries process by monitoring payments and payment reminders and voting on how to manage a distressed loan. This is the level of control and transparency that his business-focused investor base wants to see in a P2P platform, Hancock says.
The platform for entrepreneurs
“It’s for people who want to get into investing and have more control on their capital,” asserts Hancock. “Rather than simply choosing a higher rate of return, they’re choosing to support people and entrepreneurs in growing British businesses that are the lifeblood of the economy.”
“We are the platform for entrepreneurs,” he adds. “We are funded by entrepreneurs, and we are for entrepreneurs – whether you’re an investor-entrepreneur or a business owner you’re by default an entrepreneur.”
Fore more information go to: www.crowd2fund.com/ifisa