FAQs

Our PDL investments pay either interest at the end of the term or monthly. If you choose to invest in a PDL that pays monthly interest, you will receive monthly payments to your Crowdstacker account or bank account and capital is repaid at the end of the loan term. If you select an investment that pays interest at the end of the term, interest and capital will be paid at the end of the loan term as stipulated in the Key Commercial Terms (KCTs) for the specific loan.

Where a loan has been delayed or extended, monthly interest payments will be suspended in line with the original payment schedule, but continue to accrue at the rate specified in your KCTs. Interest accrued between the original repayment date and the revised repayment date will be paid with the capital at the end of the new term once confirmed.

Your capital and interest will be paid to either your Crowdstacker account or bank account (dependent on your account settings). If repayments are outside the normal payment schedule, capital and interest will automatically be paid to your Crowdstacker account.

Investors can reinvest their interest in any open investment on the platform without having to meet the normal minimum investment requirements. 

The minimum amount you can re-invest is £100, although you can Add funds to your account to meet this amount  if you do not have enough interest. To Add funds, log into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to P2P account'. 

Here you will see the ‘Add funds’ button and be able to top by via Bank Transfer. Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.

To make a peer to peer investment go to 'Investments’ in the menu bar at the top of this page, choose the business that you wish to lend to via either bonds, loan notes or peer to peer loans and click 'invest now'. On the next screen you will be asked to select "Which account would you like to hold this investment in?' You can select 'My IFISA Account'. You will then be able to continue with your order application.  Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.

You can use your P2P or ISA balance to make an investment by choosing the peer to peer investment you would like. You click invest now and on the next screen you will be asked to select "Which account would you like to hold this investment in?' You can select 'My IFISA Account' or 'My P2P account'. Please note you will need to have an available balance to cover the full investment amount, OR you can 'Add funds' from this page.

What would happen if Crowdstacker closed to new business?

Upon a decision to wind down the business, Crowdstacker’s wind-down plan would take effect. Our contingency plans will allow the loan portfolio to operate as normal. All loans will continue under contractually agreed terms, and you would continue to receive interest payments until maturity, when your capital will be repaid. Lenders who have active loans are unlikely to be able to withdraw their investments until borrowers have repaid.

What would happen if Crowdstacker went into administration?

In the event that Crowdstacker Limited is unable to trade, the firm’s Wind-down plan (WDP) would come into effect. The WDP is designed to ensure that the firm is wound down in an orderly manner for both its peer-to-peer lending, bond, loan notes and equity crowdfunding business. 

The WDP would be managed by existing staff, systems and with the same regulatory rules and requirements that the platform currently operates within.

Crowdstacker Limited is entitled to charge you 1% of the outstanding balance of your investment(s) together will all costs and expenses arising from the administration of your loan and ancillary responsibilities. These costs incurred will help to ensure an orderly repayment of your outstanding investments.

Although measures have been taken to manage wind down, there is a risk P2P agreement may cease to be managed and administered before they mature.

For more information on our Wind-down policy please email customer services at info@crowdstacker.com

Please check your junk mail or spam folder as this email can sometimes be redirected there.

If you are having problems resetting your password please call us on 0207 118 7570. 

To sell your investment, log into your account and then go to ‘My account’ and ‘My investments’. You will see your peer to peer investments in either your peer to peer account and/or your ISA account. You will have the option to sell next to each active investment.

We have been in discussions with HMRC since the launch of the Innovative Finance ISA to work out a method of transferring your Peer to Peer investment to your Innovative Finance ISA. Although it is allowed, the solution is not easy for an investor. 

We would require you to fund your Innovative Finance ISA with an amount totaling the Investment Amount of the Peer to Peer investment you want to transfer. 
For more information, please contact us at 020 7118 7570.

Interest is paid on loans, bonds or loan notes held in your ISA account are paid gross and are tax-free subject to your tax status.

Interest paid on loans that are held in your P2P account are paid gross, so you would be responsible for the payment of any income tax due on interest you receive through Crowdstacker.

You should consult an independent advisor if you are unsure about your circumstance, which will vary from individual to individual. 

You can edit all of your details in the 'My Account' section of the website by clicking 'My Profile' and 'Edit Account Settings'.

You can only operate one account per person. However, if you wish to open a separate account for a company or SIPP and be the point of contact, this can be arranged. Just email info@crowdstacker.com.