Every step, written down

Register and verify

Create an investment account, provide your details and accept the terms, risk disclosure and privacy notice. We carry out identity and eligibility checks before an investment can be activated.

Choose your amount

Decide how much to invest, within the minimum and maximum in force. You may reference a project — for context and documentation only.

Choose your investment level

The amount sets the level. Standard £5,000–£49,999 at 8% p.a., 3-year minimum term. Plus £50,000–£99,999 at 10% p.a., 3-year minimum term. Premium £100,000+ at 12% p.a., 3-year minimum term.

Invest for a minimum of three years

All investment levels have a minimum contractual investment period of three years. The rate that applies is determined by the amount invested, and you can monitor your investment in your dashboard throughout the period.

Submit

Your investment is created as its own lot with a unique reference, and is recorded as submitted.

Pending

We tell you exactly what is outstanding: awaiting funds, awaiting activation, compliance review, documentation required or payment verification.

Activation

Once funds are confirmed, an operations officer activates the investment. The activation timestamp is stored, and maturity is calculated as activation plus the agreed term.

Daily accrual

Profit accrues each day on the server, using the annual rate and day-count convention stored on your investment. Leap years, suspension and early termination are handled in the calculation.

Withdraw profit

Subject to the withdrawal frequency in your terms, request a profit withdrawal. You see the gross amount, the fee, the net amount and the profit remaining before confirming.

Monitor

Your dashboard shows days invested, days remaining, a progress bar, profit accrued, profit withdrawn, profit available and capital balance for every lot.

Maturity

At the end of the term, accrual stops and the investment is marked matured. Capital is not returned automatically.

Request capital

Request the return of capital. Once approved, the request is final and cannot be cancelled. Early requests may carry a profit adjustment where your terms allow it.

Repayment

We process the payment, record the transaction and the investment is marked repaid. The full history stays on your account permanently.