Sorry, you need to enable JavaScript to visit this website.

Don’t invest unless you’re prepared to lose money. This is a high risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

FAQs about my account

Can I invest without adding funds to my account?

Our pledge system allows investors to make a commitment to a particular loan, without having to fund their account right away. You are essentially saving your place in the loan.

When a commencement date is confirmed, we will contact you and ask you to fund your account and then place the order for you.

To make a pledge, please log into your Crowdstacker account and follow the instructions below:

1. go to 'My Crowdstacker'
2. select 'My Loan Pledge'
3. select 'Your investment choice' using the dropdown

How often will I receive interest?

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.

What happens to my balance if my loan does not commence?

When you invest, the funds are ‘committed’ to a loan. Your funds do not leave your account until the loan starts or commences and is held in our client account which is protected under the Financial Services Compensation Scheme (FSCS).

If a loan does not go ahead for any reason, it is shown as repaid in your investment stack online, however it will not show on your statements as the funds have never left your account. In these cases, your available balance is simply updated ready for you to invest elsewhere.

How do I inform you of a change of address?

For security, in order for us to update your details we would require a document such as a bank statement, utility or council tax bill dated within 3 months, showing your name and new address details.

You can upload this at https://www.crowdstacker.com/account/account-verification (please note that you will need to be logged into your Crowdstacker account to access this page)

Once received, we will update your account and confirm the changes.

Can I re-invest the interest earned in my P2P 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'. 

Can I partially use my P2P or ISA balance to fund investments?

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.

How do I use my ISA funds to make an 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.