Quantcast Downing Crowd | Financial Advisers | Downing

Introduction

Crowdfunding finances projects or businesses by raising contributions from a large number of people, usually via the internet on a platform.

In return, investors can get shares in a company, or earn interest.

 

Our Crowdfunding platform

In March 2016 we launched our crowdfunding platform, Downing Crowd, offering investors the chance to lend directly to UK businesses via bonds secured on their assets. We intend to launch bonds across a range of businesses, including solar farms, hydro plants and pubs.

To reflect the increased risk, the target returns typically range from 5-7% p.a. fixed interest over 1-2 year terms. The bonds are transferable, but not listed – so investors should assume they will hold the bond for the full term, but we do allow transfers between members.

We always put our investors first; to help manage risk, we conduct in-depth due diligence on the underlying businesses, and our monitoring fee is only payable after our investors’ cash and interest has been safely returned.

We act as security trustee and take a legal charge over assets, which means that in the unlikely event that a borrower defaults on the loan, we have the right to step in to recover our investors’ money.

 

Join the Downing Crowd

New bond offers are intended to come out regularly, and will likely stay open for 2-6 weeks only.

If you would like to be notified on new offers, please visit the Downing Crowd website at  and register your interest.

The latest bonds will be loans to established UK businesses with Downing having security over either a solar farm, an anaerobic digestion plant, an onshore wind farm or a selection of country pubs. Downing manages risk for bondholders by lending only to companies with existing operational assets and established revenue streams.

Downing has been investing in real businesses for over twenty years, traditionally through tax efficient vehicles such as VCTs or EIS. Many of these businesses have matured and the rules around tax have changed so that some are no longer eligible for that tax incentive. The companies issuing these bonds are already known to Downing and each investment is secured against the operational assets of the business, with a loan to value of under 45%.

Important Notice

Investing in our products will place your capital at risk and you may not get back the full amount invested. Any tax treatment may be subject to change and the availability and value of the reliefs depend on the individual circumstances of each investor. The availability of tax reliefs also depends on the investee companies maintaining their qualifying status.

Further information can be found at HMRC’s website. Neither past performance or forecasts are reliable indicators of future results and should not be relied upon. Unquoted or smaller company shares are likely to have higher price fluctuations and are likely to be more difficult to sell than shares quoted on the London Stock Exchange Official List. Website content is not intended to constitute investment, tax or legal advice. We recommend you seek independent advice before investing in any of our products.

Important Notice

Downing’s investments place your capital at risk and you may not get back the full amount invested. Past performance and forecasts are not a reliable guide to future results. Tax treatment may be subject to change and depends on individual circumstances. Smaller company shares are likely to have higher volatility and liquidity risks than other types of main market listed instruments. We recommend that you seek professional independent financial advice before investing. We do not offer investment or tax advice.

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