London Capital & Finance Plc

  • 100% track record in repaying investor capital & interest*
  • Full asset backed security
  • Manage and view your investment online
  • No set up costs, no management fees, and no charges
*Period 07/2012-09/2016, all interest and bonds have been paid on time and when due. Please note that past performance is not an indicator of future results.

Investors receive fixed interest rates of:


1 year


2 years


3 years

Investing in bonds means your capital is at risk and payments are not guaranteed if borrowers default. Bond series 3 to 7 are non-transferable.

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A simple and transparent investment for individuals

You can receive interest of up to 8% a year on your investment

How can LC&F offer market beating interest rates for investors?

London Capital & Finance Plc is a leading provider of loans to UK businesses. We typically charge borrowers between 12-20% per year which means we are able to pass on higher interest rates to our investors, like you.

London Capital & Finance Plc is incorporated in England and Wales under the Companies Act 2006 as a Public Limited Company with registered number 08140312. We are regulated by the Financial Conduct Authority for credit broking and our registered number is 722603. Investments into the LC&F bond are not protected by the Financial Services Compensation Scheme (FSCS).

Select a Bond Below and Apply Online

A LC&F corporate bond is an asset-backed, interest-based investment. Our bonds offer significantly better rates of return than are generally available, there are no charges and the rate of return is fixed for the term of the investment.

Here are your options:

1 Year Income Bond

  • Investment Term: 1 Year
  • Annual 3.9% Interest
  • Interest Paid End Of Term
  • Full Asset Backed Security
Start Application

2 Year Income Bond

  • Investment Term: 2 Years
  • Annual 6.5% Interest
  • Interest Paid Half Yearly
  • Full Asset Backed Security
Start Application

3 Year Income Bond

  • Investment Term: 3 Years
  • Annual 8.0% Interest
  • Interest Paid Quarterly
  • Full Asset Backed Security
Start Application

Applications take less than 5 minutes to complete and your details are 100% secure

Request a Callback

Please fill in the fields to the right to request a callback from one of our Account Managers.

"We're a successful corporate financier, funded by investors who not only enjoy the benefits of receiving up to 8% on their savings but who are also happy that by supporting UK businesses they're contributing to the growth of the UK economy."
Andrew Thomson - Chief Executive Officer, London Capital & Finance Plc.

97% of our customers are happy with our service

"Very competent and precise company. Making sure you are aware of all aspects of their investment policies . I am very happy to have invested with this company!"

Dorothy, Edinburgh

"I was very assured by the attention to detail customer service and fast timely communication. Everyone I had dealings with responded immediately to any question I raised"

Nick, South East

"As this was the first time I have used this kind of service I had probably some silly questions but nothing was too much trouble. They were very helpful and I felt very confident in using their service which I had found and researched on the internet."

Mary, Lincoln

"I came across LCF when looking for a long saving investment with high interest rates. After messaging over internet about few concerns I decided to invest In 3 year bond. The application was all done on interent fairly simple. Can recommend on this basis as will have to wait 3 years for final success of bond. If all goes well I will be more than likely invest more."

Ian, Unknown

"Excellent easy to use service. Quick efficient phone service, could actually talk to a human being! The member of staff I spoke to was more than helpful and patient with my limited technological knowledge and even talked me through how to scan my documents across. Then confirmed everything straight away by email. Nothing was too much trouble. I would definitely recommend and use this company again."

Susan Edwards, South Wales

"The website is easy to navigate and I found the follow up telephone call from Aaron very helpful in clarifying some questions I had. He was able to talk me through and reassure me regarding the payment method and the easiest way to supply the additional documents. Pleasing to receive paper documents of my investment as a back up, at no extra cost."

Fleur, Salisbury