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.
Due to the nature of PDL loans, close dates and commencement dates can change, meaning they can sometimes commence slightly earlier or later than anticipated. This is often due to the completion of legalities by the senior lender taking longer than anticipated and is no reflection on the Borrowing business. From a loan perspective, you will earn interest from the date of commencement and as specified in your Key Commercial Terms, so no interest will be lost. Any delays in commencement does not change the structure of the planned project as a whole.
If you decide to invest, you will need to complete the online application in the normal way. Be sure to press ‘submit investment order’ at the end of the process to ensure that your order has been placed and you will be given an order reference on screen, plus an email from us confirming the order is placed.
If your application is accepted, you will receive a further email of completion followed by your Key Commercial Terms on the relevant commencement date. If we are unable to accept your investment offer, we will contact you and let you know.
PDL loans have a strict target raise, which means the close date stated on the website is subject to change should the maximum investment be reached before this date. All applications will be processed on a first come, first served basis however, this does not guarantee that your order will be accepted if the Borrower has met the target raise.
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.