Who can Invest?

UK residents aged 18 or over who categorise themselves as either a ‘High Net Worth Investor’ or a ’Self-Certified Sophisticated Investor’ or who can confirm that they will invest less than 10% of their net assets in this type of investment as a ‘Restricted Investor’ (all of these as defined by the FCA’s Conduct of Business Sourcebook at Chapters 4.7.9 and Chapter 4.7.10).

Prospective investors must also demonstrate that they understand the general risks of the investments on this platform. Organisations and institutions can also invest provided they can categorise themselves and demonstrate the same knowledge as above. You must not attempt to register online and you must not participate in any investment offers via our platform if you do not meet these criteria.

How at risk is my money?

Your capital is at risk and your money is not covered by the Financial Services Compensation Scheme (FSCS) deposit protection scheme. The repayment of your capital cannot be guaranteed and there is a risk that if the company you have invested in fails you could lose some or all of your investment. Please read the offer document to find out the specific risks for each investment opportunity.

What fees does Absolute ISA charge?

We do not charge fees to investors. We charge a fee to the issuer that is raising the capital.

What if I invest and then change my mind?

If you apply to open an Absolute ISA Account but decide you no longer want to proceed with your Application, you will have the right to cancel your account within 14 calendar days of the date your Absolute ISA Account is opened. Your Absolute ISA Account is classed as open upon completion of the online form accessed through the Absolute ISA website (www.absoluteisa.co.uk) and a successful Anti-Money Laundering check being carried out. Our contact details can be found here: www.absoluteisa.co.uk or email us at info@absoluteisa.co.uk

Are my investments protected by the Financial Services Compensation Scheme?

No they are not. You will not be able to claim against any compensation schemes if the investments you make do not perform, meaning they do not make payments or repayments in line with your expectations. Your money will be held by our custodian in a client account and subject to separate protections applicable to credit institutions and banks before it is invested once the proceeds of that investment are returned.

When will I start to receive interest?

You will start to earn interest on your investment when the bonds are issued, not from the point at which you made the investment. Bonds will be issued 14 days after the closing date to allow for the cooling off period to elapse.

What is an Innovative Finance ISA?

The IFISA is a new type of ISA that allows you to receive the interest you earn on eligible crowdfunded investments tax-free.

What is the ISA allowance?

The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance.

The ISA allowance for the 2018/19 tax year is £20,000.

What are the returns?

The Absolute IFISA pays an annual interest rate of 9.6%.

What is fixed interest?

Fixed interest means that the expected interest rate remains the same throughout the lifetime of the investment. In relation to this investment, the fixed interest is calculated on a simple basis which means that interest is calculated on the principal investment value and not on interest already earned.

Find Out More

Please complete the below form and click 'Apply Now' to complete your online application. Alternatively, hit 'Request a callback' and one of our representatives will be in touch shortly.

Prior to submitting your details you must read all of the content on this site including all risk warnings. If you have not already done, please following the link below.