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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.

Esplanade Gardens

Earn 16% p.a. interest, paid monthly. Secured on property. ISA eligible.

per annum
Invest from:
Choice of term:
15 months
Investment type:
P2P Loan
Target raise:
Amount raised:

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.

Esplanade Gardens Loans, ISA eligible, P2P investment, offering 16% p.a. return, interest paid monthly.

Sure Start Property Solutions Ltd would like to borrow a total of £290,000 via a PDL loan to finance the finance the reconfiguration and refurbishment of a period building in Scarborough, North Yorkshire. The Loan is classed as a PDL Develop product because the funding will be used to part finance the project through the construction phase of the project.

How investing in the Esplanade Gardens P2P investment works

The investment offers 16% p.a. over a 15 month term with interest paid monthly and principal invested repaid at the end of the term. The funding will be mezzanine funding to top up senior lending from Acre Lane who are providing a total of £1,700,696. Together with the PDL Develop the Loan to Gross Development Value (LTGDV) is 70.22%.

Giving you better security on your investment

The investment benefits from multiple layers of security. First, a second ranking debenture over the assets, property, and undertaking of the Borrower.

Second, a second ranking legal charge over the Property of the Borrower.

Third, there will be a personal guarantee provided by the Guarantor(s).

Finally, the principal amount of the aggregate of all Loans and the loan advanced by the Senior Lender used to fund the development, is not greater than 71% of the Gross Development Value and 90% of the Loan to Cost of the property development.


So how much interest will I receive?

It’s simple – if you invest £1000 (for example) you receive £13.33 interest monthly and capital at the end of the 15 month loan term. Interest is paid directly into your account on the Crowdstacker P2P platform or your bank account. Take a look at our interest calculator below to work out what your specific investment could yield.


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 2023/24.*

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 the development

The property is comprised of two five storey period terraced buildings.The proposed work will result in a block of seventeen apartments which will be designed to appeal to the local rental market. The site itself is on a wide street in the Conservation Area of the town, just metres from the seafront, the cliff lift and South Bay Beach. It is just one mile from the town centre. Scarborough is one of the busiest seaside towns in the UK with multiple attractions including an historic castle, the Open Air Theatre, and the North Yorkshire Moors National Park.


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.

Please note the target raise will be filled on a first come first-served basis.

Your capital is at risk when you lend to businesses.

The finer details

Six great reasons to lend to Esplanade Gardens Loans.

Security - How secure is my investment?

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?

How long is the investment for?

Opportunity - What is the market opportunity?

What is the market opportunity?

Benefits - Are there any added 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


RateRepayingPayment FrequencyLoan Term
16.00%interestmonthly15 months

I could earn

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