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.
An innovative finance ISA is a type of ISA that adds a tax-free wrapper to income from peer-to-peer lending. Individuals can hold Peer to Peer (P2P) loans free of tax on interest and capital gains.
Every UK adult is permitted to invest up to £20,000 tax-free in an ISA in 2025/26. It is possible to split this allowance across all the different types of ISAs.
Cash ISA, Stocks and Shares ISA, Lifetime ISA, Junior ISA, and Innovative Finance ISA.
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
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.
You can transfer from your Cash ISAs and Stocks and Shares ISAs into your Crowdstacker Innovative Finance ISA. Please log into your Crowdstacker account and go to 'My Crowdstacker', 'My Accounts'. Then select 'Go to IFISA Account'. You will be taken to a summary page where you see a number of options. Select 'ISA transfers' by clicking on the button. From here, you can download an ISA transfer form. Alternatively, please call us on 020 7118 7570 or email us at info@crowdstacker.com and we will send you a form.
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.
When you invest, you commit to the term as specified in the information brochure. However, due to the nature of PDL loans, you may get paid back slightly earlier or slightly later than the term specified in your Key Commercial Terms. This is because, the Borrower pays you back after the senior loan is repaid, and every time they sell a property. This is standard practice for property development loans.
Interest paid on Loans, Bonds and Loan Notes are paid gross, so you would be responsible for the payment of any income tax due on the interest you receive through Crowdstacker.
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.
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.
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.