London Capital & Finance Plc

  • 100% track record in repaying investor capital & interest*
  • Full asset backed security
  • 500+ positive reviews from existing investors
  • No set up costs, no management fees, and no charges
*Period 07/2012-05/2017, 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 authorised and regulated by the Financial Conduct Authority, FRN 722603. Investments into the LC&F bonds are not protected by the Financial Services Compensation Scheme (FSCS).

You are in good company...

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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"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.