Innovative Finance ISA Explained

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  • In 2016, the new Innovative Finance ISA (IFISA) was launched in addition to the existing Cash and Stocks and Shares ISAs. You can use this IFISA to invest in CapitalRise opportunities and earn tax free returns.
  • You can quickly open an ISA on our site and then use it immediately to invest in live opportunities. To qualify for an ISA, you need to be aged 18 or over, a UK resident, and be able to provide your National Insurance number. It's as simple as that.
  • You can transfer in money from ISAs with other providers. You can do this when investing in our next deal. When you choose to invest using your ISA you will be given the option to transfer an ISA. All you need to do is give us the details of your old ISA and your permission to transfer and we'll handle everything else for you.
  • The forecast annual return for an ISA investment is currently 0.5% lower than the return on a standard investment to cover ISA administration costs. It costs us more than double this to administer the ISA, however as a special promotion to celebrate the launch of our IFISA, CapitalRise will cover the majority of these costs and only pass on 0.5% to our investors.

Investors should be aware that their capital is at risk. Tax treatment of ISAs is subject to change and depends on individual circumstances.

Benefits of an IFISA

The CapitalRise ISA allows you to receive tax free returns.

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Open your ISA on our website in minutes

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Invest an amount from £1,000 up to £20,000

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Tax free returns of over 10% per year

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Transfer your old ISA to us. We'll handle the transfer for you.

Open ISA

How it Works

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Sign up

to create an account with us

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Open

your ISA by filling out our short online application form

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Select

a live investment opportunity

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Invest

using your ISA account when prompted

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Earn

tax free returns at the end of the term

FAQS

The Innovative Finance ISA (IFISA) was launched in 2016. Before this the types of ISA available were the Cash ISA and the Stocks and Shares ISA. You can use the IFISA to invest in CapitalRise opportunities and earn tax free returns.

You can invest up to £20,000 into your ISA in the current tax year of 2017-18

You can subscribe to one ISA from each of the ISA categories. The categories are cash, stocks & shares and innovative finance. You can have one of each ISA as long as the total amount subscribed does not exceed the annual subscription limit of £20,000.

The minimum investment is £1000.

No, we will do this on your behalf. Don't forget there is no tax payable on any earnings you generate from your IFISA.

No, it is free to open an IFISA with us.

There is a fee of £35 for transferring out to another provider. In the event of bankruptcy or death of an investor there are additional fees which are detailed in the ISA terms and conditions. These fees are to cover the administration costs associated with these events.

Sign up to become an account holder on our site, then go to the ISA page and choose to open an ISA. You will need to fill out a short application form and your ISA will be opened immediately once the form is completed and accepted.

You will need to have completed our sign up process before you can apply to open an ISA. To apply to open the ISA you will need your National Insurance number.

Customers need to be 18 years old and a UK resident to open an IFISA.

You can transfer in money from ISAs with other providers. You can do this when investing in our next deal. When you choose to invest using your ISA you will be given the option to transfer an ISA. All you need to do is give us the details of your old ISA and your permission to transfer and we'll handle everything else for you.

You can't withdraw funds that are currently invested in an opportunity but you can as soon as the investment comes to an end.

The forecast annual return for an ISA investment is currently 0.5% lower than the return on a standard investment to cover ISA administration costs. It costs us more than double this to administer the ISA, however as a special promotion to celebrate the launch of our IFISA, CapitalRise will cover the majority of these costs and only pass on 0.5% to our investors.

You can open ISAs with multiple providers however you can only deposit money into one IFISA provider in the tax year.

The interest rate you receive will vary depending on the deals you choose to invest in. Investments that you can make using your ISA will typically have a rate of return between 10 - 14%.

Open ISA

Capital at risk. Interest not guaranteed. See key risks.