The Rivers Leasing, ISA eligible P2P investment
Rivers Leasing, an Independent niche asset finance funder, was identified as one of Europe’s fastest growing companies in the Financial Times inaugural list of the 1,000 fastest growing companies in Europe. The company was ranked 186th based on turnover growth, with a 648% increase between 2012 and 2015.
How the Rivers Leasing Loan Notes investment works
The investment offers two options - either 5.75% p.a. fixed interest for a 2 year term, paid semi-annually or 6.5% p.a. fixed interest for a 3 year term, paid quarterly. The investment is used by Rivers Leasing to finance leases and loans of between £2,000 and £50,000 to SME businesses.
Giving you better security on your money
The Loan Notes Investment will be secured over the assets, property, and undertakings of Rivers Leasing Plc via a first ranking debenture, given to a Security Trustee on your behalf.
In addition, your investment will also benefit from a guarantee from the parent company, Rivers Finance Group Plc. There are further layers of security. For full details please download the brochure.
So how much interest and capital will I receive?
It’s simple - a combination of repayment of your capital (this is amortised) and interest are paid directly into your Crowdstacker account or your bank account, either quarterly or semi-annually, dependent on which of the two investment options you choose. Please see page 12 of the brochure for more information about the capital and interest payments for the Rivers Leasing Loan Notes investment.
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 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 Rivers Leasing
Rivers Leasing provides finance to SME businesses. Rivers Leasing focuses on transaction values between £2,000 and £50,000 and finances various types of commercial equipment across a variety of business sectors.
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.