Innovative Finance ISA Explained

Tax free returns

Benefit from tax free returns by using the CapitalRise Innovative Finance ISA when you invest in a CapitalRise opportunity. The ISA is quick, simple and free to set up online and opening one will guarantee you get priority access when we launch investment opportunities.

How to fund your ISA

There are two options for funding your CapitalRise ISA. The first is using this year’s allowance to invest up to £20,000. The second is to transfer funds from your existing ISAs to CapitalRise. There is no limit to the amount you can transfer and we will fully manage the process for you.

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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Easy to set up

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Invest from £1,000

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Simple to transfer in

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Average returns 10% p.a.

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FAQS

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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%.

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