Crowdfunding finances projects or businesses by raising contributions from a number of people, usually via the internet on a platform. In return, you can gain shares in a company or earn interest.
Our crowdfunding platform
In March 2016, we launched Downing Crowd, offering investors the chance to lend directly to a variety of UK businesses via bonds, typically secured on the businesses’ assets.
To reflect the increased risk, our Crowd Bonds typically offer target returns ranging from 4-7% p.a. fixed interest over one to two year terms. The bonds are transferable, but not listed – so you should assume you will hold the bond for the full term, although we do allow transfers between members.
We put you first. To help manage risk, we conduct in-depth due diligence on the underlying businesses and our monitoring fee is only payable after your cash and interest has been safely returned.
We also act as security trustee and take a legal charge over assets, which means that in the unlikely event that a borrower defaults on the loan, we have the right to step in to recover some or all of your money.
If you would like to stay up to date on new offers, register as a member via the Downing Crowd website.
Find out more about crowdfunding in our Overview.