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Risk warning

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

Estimate reading time: 2 min

What are the key risks?

  • If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.
  • Advertised rates of return aren't guaranteed. This is not a savings account. If the issuer doesn't pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.

  • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
  • The Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover investments in unregulated collective investment schemes. You may be able to claim if you received regulated advice to invest in one, and the adviser has since failed. Try the FSCS investment protection checker here.
  • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here.

  • This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.
  • You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a "secondary market", you may not find a buyer at the price you are willing to sell.
  • You may have to pay exit fees or additional charges to take any money out of your investment early.

  • This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.
  • This makes it difficult to predict how risky the investment is, but it will most likely be high.
  • You may wish to get financial advice before deciding to invest.

  • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
  • A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
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This website is operated by LendInvest plc. LendInvest plc is a public limited company registered in England and Wales (No. 8146929). Registered Office: 4-8 Maple Street, London, W1T 5HD.

LendInvest Capital and LI Capital are registered trading names of LendInvest Funds Management Limited. LendInvest Funds Management Limited is authorised and regulated by the Financial Conduct Authority (FRN: 624223). LendInvest Funds Management Limited is a private limited company registered in England & Wales (No. 07667749) and is a wholly owned subsidiary of LendInvest plc.

Information is not presented, nor should be taken, as suitable for the general public, nor is it directed to any person in any jurisdiction where the publication or availability of this information is prohibited.

All arrangements relating to the management of investments in alternative investment funds are undertaken by LendInvest Funds Management Limited.

For investors, income and capital repayments are not guaranteed. Don’t invest unless you’re prepared to lose all the money you invest. Investors cannot liquidate investments, but the underlying borrowers may repay early, late or not at all. Your capital is at risk. Past performance is not a reliable indicator of future results.

The LendInvest Self-Select Platform is a non-mass market investment and not suitable for all investors. 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 minutes to learn more.

The information we provide can help you make your own informed decisions, but it is not investment advice or a personal recommendation. You should ensure you fully understand the risks. You should seek independent financial advice if you are not sure a product or investment is right for you, or you do not fully understand the risks.

The LendInvest group has two core business segments. LendInvest (or LI) Capital encompasses investment business as well as development finance. LendInvest (or LI) Mortgages covers regulated and unregulated lending. Development Finance is provided by LendInvest Development Limited (Company No. 07826640), which is a wholly owned subsidiary of LendInvest plc. For borrowers, borrowing through LendInvest involves entering into a mortgage contract secured against property. Your property may be repossessed if you do not keep up repayments on your mortgage.

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