London Capital & Finance Plc

  • 100% track record in repaying investor capital & interest*
  • Full asset backed security
  • 400+ positive reviews from existing investors
  • No set up costs, no management fees, and no charges
*Period 07/2012-03/2017, 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 8 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 Bond Holders.

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

Here are your options:

1 Year Income Bond

  • Investment Term: 1 Year
  • Annual 3.9% Interest
  • Interest Paid Annually
  • 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.

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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

"Pleased with the service. Interest paid on time and easy to transfer to my bank account. Good communication from the company. Nice to know that you are at the end of a phone should I need any info."

Graham, Unknown

"I find my investment is very secure, I invested in 2015 and lost nothing, paid full interest on time. I reinvested for further three years. LCF are paying very Good rate of interest comparing with other investments. The reason I find my investment is safe with LCF because is backed by assets and others organisations. I also found staff is very helpful which gave me more confidence."

Harpal Singh Hulait, 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

"Great experience from my initial telephone consultation all the way through to our investment maturing. Constantly kept in the loop via clear communications and if queries did arise LCF were quick to sort them out. Highly recommend LCF to any novice or expeienced investors."

Darren, Unknown

"Good investment experience . Above average interest rate. Interest paid on schedule and capital returned on due date What more could one ask for."

Geoffrey, Unknown