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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.

XL Loans

A short 7 month term, 4% p.a. secured on assets. ISA eligible.

Interest
4%
per annum
Invest from:
£100
Choice of term:
7 months
Repayments:
At the end of the term
Investment type:
P2P Loan
Target raise:
£1,000,000
Next closing:
8th July 2018
Amount raised:
£1,000,008

Repayments of interest

Interest is paid on the capital invested in accordance with the stated Repayments. The capital is repaid as a lump sum at the end of the term.

Watch XL's video

XL video

The XL, ISA eligible P2P investment, offering 4% p.a. return over a short 7 month term.

XL offers short-term contract hire vehicles to individuals and UK SME businesses.

How investing in the XL P2P investment works

The XL Peer to Peer investment is a 7 month investment offering 4% p.a. return. Interest is paid at the end of the term. The investment is secured on the assets of XL CST Limited via a first ranking debenture. XL will use the investment to purchase vehicles at substantial volume discounts, which are then leased on to its customers.

Giving you better security on your investment

Investments are secured on the assets of XL CST Limited. Assets include the vehicles purchased as well as the vehicle lease income. As a further protection for investors, XL will enter into buyback agreements with a dealer for each vehicle purchased. Full details of our three-step security package can be found on page 19 of the brochure.

So how much interest will I receive?

It’s simple - if you invest £10,000, you would receive £233.33 of interest over the short 7 month term. This equals £10,233.33 of capital and interest paid at the end of 7 months. Capital and interest is automatically repaid directly into your choice of account at the end of the term – either your Crowdstacker ISA or P2P account or your external bank account. 

A short 7 month investment term

The 7 month term is set to coincide with one full cycle of XL’s short term car hire lease period (for XL to lease a car to an individual or business through to the pre-agreed buyback agreement with the car manufacturer/dealer at the end of the term). Should you wish to reinvest, you will be given the chance to select to reinvest easily in an available investment nearer the end of the 7 months. This gives the added flexibility and convenience for your investment portfolio.

No fees

We want you to make the most of your money so we don’t charge you any fees at all.

Can I hold my investment tax efficiently?

At Crowdstacker we offer two accounts which offer you tax efficient benefits:

Crowdstacker Innovative Finance ISA - pays interest gross and allows you to earn interest tax-free. You can invest up to £20,000 in this tax year 2018/19.*

Crowdstacker P2P Account - pays interest gross and is eligible for up to £1,000 tax-free interest under the Personal Savings Allowance.*

*Please note tax benefits are subject to your own personal tax status.

More about XL

XL Group launched in 2006 to service a growing demand from people looking for an alternative solution to conventional long-term vehicle financing. To view XL’s website visit: www.xlltd.com

More about Crowdstacker

Crowdstacker is an award winning P2P investment and ISA provider, bringing you handpicked investments, many of which offer a social or community benefit.

The finer details

See our 6 great reasons to lend to XL via the Crowdstacker P2P Platform.

Security - How secure is my investment?
Security

How secure is my investment?

Rate of interest - What interest rate will I receive?
Rate of interest

What interest rate will I receive?

Payment frequency - How often will I receive interest?
Payment frequency

How often will I receive interest?

Term - How long is the investment for?
Term

How long is the investment for?

Opportunity - What is the market opportunity?
Opportunity

What is the market opportunity?

Benefits - Are there any added benefits?
Benefits

Are there any added benefits?

Do the maths

Enter your investment amount from £100
to see how much you could earn

If I invest

Returning

RateRepayingPayment FrequencyLoan Term
4.00%interestterm end7 months

I could earn

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