Rivers Leasing Loan Notes
Earn up to 6.5% p.a. secured on assets. ISA eligible.
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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.
The next closing for Rivers Leasing is the 9th July 2018, invest by then to start earning interest from the 16th July 2018.
The finer details
Click on the boxes below to see our 6 great reasons to invest.
How secure is my investment?
Your money will be secured over the assets, property and undertakings of Rivers Leasing via a first ranking debenture.
Rate of interest
What interest rate will I receive?
An inflation-beating interest rate
You have a choice of 2 rates of return - either 5.75% p.a. over 2 years or 6.5% p.a. over 3 years. Please see the investment calculator lower down this page for an indication of how much capital and interest you could receive over the term.
How often will I receive capital and interest?
A choice of when you are paid
Depending on the investment option you choose, you will have a choice of either quarterly or semi-annually capital and interest payments - paid straight into your P2P, Innovative Finance ISA or bank account.
How long is the investment for?
A choice of 2 or 3 years
Enjoy a choice of terms to meet your investment requirements. Earn a fixed income over either 2 or 3 years.
What is the market opportunity?
What is the market opportunity?
The general asset finance market is worth £11.2bn and is the fastest-growing sector of the UK Finance Leasing market, growing at approximately twelve percent each year.
Are there any added benefits?
ISA and PSA eligible
Your investment is eligible to be held in an Innovative Finance ISA or can qualify for your Personal Savings Allowance, of up to £1,000 interest tax-free.
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