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About LC&F

London Capital & Finance Plc helps businesses plug the significant short-fall in the availability of corporate funding, by offering investors fixed-rate bonds and innovative finance ISAs.

Investors can invest in our products over 2, 3 or 5 years and receive a fixed-rate of interest paid on a regular basis.

12,000 investors
repayment of interest
£183m invested
repayment of capital

(Correct as of 30/06/2018)

The money from these investments is used to make short term loans to carefully selected businesses, with the repayments used to make interest payments to the investors and return their capital.

Loan book


Loaned out


Assets held as security


Loans defaulted

(Correct as of 30/06/2018)

LC&F's stringent criteria for lending and ongoing monitoring have ensured that none of the loans it has made have ever defaulted.

Our history

LC&F was established and we secured out consumer credit license from the Office of Fair Trading

In 2013 we launched our first

we had raised more than £2.5m which we lent to UK businesses.

We became regulated by the FCA. The first round of loans were repaid, and investment funding repaid. The new LC&F online fundraising channel was launched.

Between early 2016 and early 2017, we raised over £48m via our online fundraising portal.

Between 2015 and early 2017, we launched 7 new corporate bonds and increased our fundraising capacity by £175m. We became part of the London Financial Group of Companies and HMRC approved us as an ISA Manager.

As of the 30/06/2018 we have in excess of £183m worth of invested funds and in excess of £300m worth of assets held as security against loans.