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Why Crowdstacker?

Crowdstacker is an FCA regulated Peer to Peer lending platform that allows people to become lenders to great British businesses via bonds, loan notes and peer to peer loans. We are one of the first P2P platforms to provide the new Innovative Finance ISA (IFISA), and as a fully HMRC approved ISA manager we can offer exclusive Innovative Finance ISA investment opportunities.

The opinions expressed should not be relied upon and you should conduct your own research.

Award Winning Investment Platform

Since we launched in 2015, we have gained recognition from key industry awards for the quality of our investor offer.

We have won 8 prestigious industry awards, including double gold for ‘Best Innovative Finance ISA Provider’ 2017 and 2018 at the Moneynet Awards and 'Best Crowdfunding Platform' in the ADVFN International Financial Awards 2018.

Winner

Best Innovative Finance ISA Provider 2018

Winner

Best Alternative Financier 2017

Winner

Best Peer to Peer Lending Platform 2016

Winner

Best Innovative Finance ISA Provider 2017

Case studies

We are proud to have an elite group of loyal investors. Our members appreciate the extensive due dilligence and great investment opportunities we provide. We like to keep our members up to date and keep in close contact with them.

Investor case studies

George

George has been retired for some time, and takes a keen interest in his finances to ensure he is getting the most out of his savings and investments.  He invested in alternative finance business Amicus, through the Crowdstacker platform.

 

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Investor case studies

George

George has been retired for some time, and takes a keen interest in his finances to ensure he is getting the most out of his savings and investments.  He invested in alternative finance business Amicus, through the Crowdstacker platform.

 

He explains: “My generation was taught that you don’t spend money you don’t have – if you can’t afford it, you go without.   I think this has made me frugal as well as cautious, even at times when I’ve had higher levels of disposable income. 

 

I’ve always had the habit of putting some money aside for when the rainy days come, as they inevitably always do, and I’ve always taken an active interest in where and how I save and invest.

 

“That’s why investing using the peer to peer model appealed to me.  It combines the best of two worlds.  The process of receiving regular interest payments is similar to a bank savings account or bonds, except the rate is a good deal higher than I could currently get from either of these.  Plus, there’s the ability to pick and choose which businesses I lend money to – very much like picking stocks and shares, based on whether I think there is potential for growth and profitability for the business.

 

“For me the trade-off of a higher rate of return for slightly less certainty about the safety of your money is definitely worth doing, as long as your portfolio is diversified.  I make sure we have a spread of risk across our pensions and ISAs and other investments, and then a portion of our money is invested via P2P.  

 

“For my wife and I, our overriding consideration is to ensure we can maintain a certain standard of living even though I’m already nearly twenty years into retirement, and have no intention of ‘checking out’ any time soon!  Our finances are set up so that we can both be assured good old-age care, and this removes a massive amount of worry.” 

 

The opinions expressed should not be relied upon and you should conduct your own research.

Louisa

Louisa invested through Crowdstacker in property redevelopment company, Quanta Group, because she was keen to try peer to peer lending and to see if it was the right type of investment for her.

 

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Investor case studies

Louisa

Louisa invested through Crowdstacker in property redevelopment company, Quanta Group, because she was keen to try peer to peer lending and to see if it was the right type of investment for her.

 

Louisa explains:  “I wouldn’t say I’m a seasoned investor.  My husband and I run our own business, and we have two young children, so it’s comforting to know that most of our savings are easily accessible in our bank account.

 

“Peer to peer lending is easier to get to grips with than stocks and shares.” 

 

“However, having built up a pot of money over the past few years we had started to look at investing a portion of it in a more lucrative alternative to the rather low interest rates offered by high street savings accounts.

 

“Stocks and shares are an obvious alternative, but I think you need to really do your homework if you want to invest in these directly, plus you have to be prepared to monitor them and keep checking whether you ought to be selling or buying.

 

“Peer to peer on the other hand turned out to be really quite easy, and, having gone through the Crowdstacker registration process I could do everything online.  Including reviewing the detailed prospectus for each investment opportunity.  Plus the terms are defined from the outset, so you know what interest rate you will make, when the payments will be made, and how long you will be lending your money for.

 

“My savings are growing at a faster rate than if I’d left them in a savings account.”

 

“I chose to invest in Quanta Group because I like the idea of investing in the UK property market, and clearly Crowdstacker had done a lot of work to ensure it was a successful business with plenty of potential for success. 

 

“I’m now getting a 6.8% return on my investment.  Each time an interest payment hits my account I can see my savings growing.  All at a much faster rate than if I’d just left it in a savings account.  And, no doubt, compared to my skills trading on the stock market!” 

 

The opinions expressed should not be relied upon and you should conduct your own research.

Tony and Maureen

Tony and his wife Maureen have invested with Crowdstacker three times so far. They were looking for an investment that offered a higher rate of interest and regular payments to provide extra retirement income.

 

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Investor case studies

Tony and Maureen

Tony and his wife Maureen have invested with Crowdstacker three times so far. They were looking for an investment that offered a higher rate of interest and regular payments to provide extra retirement income.

 

Tony explains:  “We specifically look for ways to grow our pot of savings to get regular payments to supplement our pensions. 

 

“It’s satisfying to know your money is being put to work so that you can receive these lump sums of money every few months.  The regular interest payments help to cover less ordinary costs such as gardening expenses.  For example cutting the hedge and pruning or trimming trees such as our Weeping Pear.  We recently spent £300 pruning our trees, and they still keep growing! 

 

“We also used £75 last month from one of our interest payments to repair our boiler.  It’s 37 years old so no doubt we’ll be using another chunk of our interest payments to replace it completely at some point soon.

 

“So far we’ve made three separate investments with Crowdstacker and they’ve been lovely to deal with.  From the investment process to our receipt of the regular interest payments – it’s all been very straightforward.

 

“We got our first computer when I was 73 and my wife has still never used it, so I wouldn’t claim that either of us is a whizz with technology.  Which is why it was so helpful that you can speak to a real Crowdstacker person, who can steer you through the investment process over the phone.

 

“In fact they bent over backwards to ensure we qualified for the higher rate of interest in one of their ‘early bird’ offers.  When it comes to investing and saving it is a great comfort to deal with a business that is so professional and thoughtful.”

 

The opinions expressed should not be relied upon and you should conduct your own research.

 

Business case studies

Amicus Finance

Amicus Finance is a specialist finance group and it has offered a variety of investment opportunities on the Crowdstacker platform since the autumn of 2015.

 

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Business case studies

Amicus Finance

Amicus Finance is a specialist finance group and it has offered a variety of investment opportunities on the Crowdstacker platform since the autumn of 2015.

 

An award-winning company, Amicus itself lends money to businesses, and so is perhaps an unusual example of a P2P investment opportunity. Let us explain: Amicus lends money to businesses to finance unique and very particular projects.  In the property sector, for example, it offers facilities such as bridging finance or providing funds for landlords or developers who want to purchase through auctions (and so who need to have immediate access to large sums to secure the property until a mortgage can be arranged).

 

The Amicus team came to Crowdstacker in the autumn of 2015 to offer a P2P investment opportunity for investors offering over 4% interest.  This was an incredibly interesting proposition for Crowdstacker because Amicus is an established and financially successful business which is able to offer favourable safeguards to investors in the form of securing lent capital on its assets and business which total in the region of £45m.

 

“We use a variety of funding routes to build our lending ‘pot’” explains John Jenkins, CEO of Amicus.  “But we were interested to try out P2P because alternative finance is now an established sector with a growing consumer interest in getting involved.”
The initial raise was popular enough that a decision was taken to launch another new investment in early 2016, with three different interest rates and terms.  To date, through the Crowdstacker platform, Amicus has raised over £4million.  

 

“From our perspective using the Crowdstacker platform was definitely a successful way to get retail investors involved in what we do.”
“P2P is something that bigger businesses should be thinking about.  It’s not just for smaller businesses.  As an industry it is growing fast – the UK market was worth around £3.2bn in 2015*, with over a million retail investors engaging.  And this is only going to grow.  

 

“I think our business benefitted because retail investors are looking for opportunities to get higher rates of return that savings accounts, bonds or cash ISAs are currently offering.  But at the same time not exposing themselves to very high level of risks. 

 

“So certainly to me at least, it makes sense that any type of business looking to raise funds, with a solid customer base, or working in a sector that retail investors are attracted to, should think about P2P as an alternative to traditional fund raising routes.”

 

* The 2015 UK Alternative Finance Industry Report, Nesta February 2015

 

The opinions expressed should not be relied upon and you should conduct your own research.

Look how much we have raised from our 2,399 investors...

51698946

80%

The number of investors who come to us because they are looking for higher rates of interest.

Crowdstacker figure sourced internally and correct as of April 2016

98%

The proportion of people who say it wasn’t difficult to lend money to businesses through our platform.

Crowdstacker figure sourced internally and correct as of April 2016

£43m

The amount lent to British businesses.

Crowdstacker figure sourced internally and correct as of May 2018

77%

The number of people who appreciate the time & effort we put in to make sure you have the information you need to make an informed investment choice.

Crowdstacker figure sourced internally and correct as of April 2016

77%

The percentage of people who look at Crowdstacker investments because they want to receive regular interest payments.

Crowdstacker figure sourced internally and correct as of April 2016

£10.1m

The amount repaid to investors of capital and interest.

Crowdstacker figure sourced internally and correct as of May 2018