Authorised & regulated by the Financial Conduct Authority.

Fixed Rate Bonds and ISAs

Why choose lc&f?

100% track record in
repaying investors1

Since 2012 LC&F have never missed an interest payment and have returned all maturing capital to investors1. In total, we have paid out over £55.8 million successfully.

A choice of bonds or tax-free isas over a range of terms

We offer fixed-rate bonds of up to 5 years, with choice of regular interest payments or end of term compound interest. Eligible UK tax payers can apply for our innovative finance ISA, which has regular tax-free interest payments4.

Over 12,000 successful investments1

Over £195 million1 has been invested in our investments, by clients looking for an attractive return on their investment.

No set up costs, no management fees & no charges

LC&F do not make any charges of any kind for setting up or managing the investment, nor take any deductions from interest payments. HMRC do require us to retain a 20% withholding tax for a UK tax-payer (except for bonds held within an ISA)

5* rating on Feefo with over 800+ reviews

We invite all our bondholders to review our service using Feefo, a leading online review platform. We have an average score of 4.6 / 5 and have been awarded the coveted Gold Trusted Service award for the last 2 years running.

feefo rating

100% track record in
repaying investors1

Since 2012 LC&F have never missed an interest payment and have returned all maturing capital to investors1. In total, we have paid out over £55.8 million successfully.

1 of 5

A choice of bonds or tax-free isas over a range of terms

We offer fixed-rate bonds of up to 5 years, with choice of regular interest payments or end of term compound interest. Eligible UK tax payers can apply for our innovative finance ISA, which has regular tax-free interest payments4.

2 of 5

Over 12,000 successful investments1

Over £195 million1 has been invested in our investments, by clients looking for an attractive return on their investment.

3 of 5

No set up costs, no management fees & no charges

LC&F do not make any charges of any kind for setting up or managing the investment, nor take any deductions from interest payments. HMRC do require us to retain a 20% withholding tax for a UK tax-payer (except for bonds held within an ISA)

4 of 5

5* rating on Feefo with over 800+ reviews

We invite all our bondholders to review our service using Feefo, a leading online review platform. We have an average score of 4.6 / 5 and have been awarded the coveted Gold Trusted Service award for the last 2 years running.

5 of 5

800+ Positive independent reviews

Professional 5* service.

"Outstanding and professional service... I'm just over one year into my experience with LC&F and so far so good."

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Charlotte Bowen

Very good service.

"Excellent help and service. You feel like you are talking to a friend when you call them."

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Veronica Buckley

Efficient, no jargon and thorough.

"...A trouble-free investment to be set up. When the year bond matured all monies were transferred to my bank account. Brilliant!"

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Malcolm Hawkins

800+ Positive reviews

Professional 5* service.

"Outstanding and professional service... I'm just over one year into my experience with LC&F and so far so good."

Gold Star Gold Star Gold Star Gold Star Gold Star

Charlotte Bowen

Very good service.

"Excellent help and service. You feel like you are talking to a friend when you call them."

Gold Star Gold Star Gold Star Gold Star Gold Star

Veronica Buckley

Efficient, no jargon and thorough.

"...A trouble-free investment to be set up. When the year bond matured all monies were transferred to my bank account. Brilliant!"

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Malcolm Hawkins

Excellent

"Excellent starting and ending... Will recommend to others and come back again especially for ISA."

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Sive Segaram

Good Investment

"Best investment I have made, interest the best I could find without being too adventurous."

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Trusted Customer

Good rate of return...

"I continue to invest due to the service and rates. A neat addition to anyone's portfolio."

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David Serrige

Professional Service

"I've always received excellent service from staff and I'm thankful for the interest they give me on my investment."

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Fredrick Abram

Highly recommended

"Interest paid on time... and I reinvested my capital straight away. I also recommended to my daughter and her partner."

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Trusted Customer

LC&F does what it says on the packet.

"I wanted a low-risk investment for one year... My return was what I expected and I was happy with that. "

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Elaine Ramsay

Excellent

"A pleasure to deal with and provides good products."

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William Kilpatrick

Excellent support team, second to none!

"I had a bond which matured. I contacted about reinvesting, their help was spot on..."

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Vicki Wheeler

Very good service and interest.

"Banks pay poor interest rates... I have taken another plan out, the interest rates are good so is the service."

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Neil Robert McDowell

Have re-invested

"Excellent. No pressure..."

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Brenda Lees

Happy with the service. Would recommend.

"Would buy from again and would also recommend them."

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Anne Dawson

Exactly what they say is on the tin.

"I was offered assistance without telling me to invest in their products, they did not hard sell. I have since reinvested..."

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Catherine Tompkins

Smooth and easy

"Never had problems during the whole period invested with the fund."

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Laurel Richards

Problem free

"Everything easily understood and customer service very helpful..."

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Maureen phillips

Good investment opportunity

"I would certainly recommend them to anyone wanting a good investment..."

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David Brown

Extremely helpful

"Extremely helpful and very prompt service, with an amazing interest rate!"

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Angeli Quarrie

Unpressurised assistance

"Very informed and not forceful at all when I made enquiries regarding investing."

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Samantha Thompson

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Disclaimer

London Capital & Finance Plc(“LC&F”) offer bonds with fixed interest rates and are asset-backed for security. A detailed presentation of each bond offered can be found in the respective Information Memorandum, which has been approved for promotion for the purposes of section 21 of the Financial Services and Markets Act 2000 (“FSMA”) by London Capital & Finance Plc (“LC&F") of The Old Coach House, Eridge Park, Eridge Green, Tunbridge Wells, Kent. TN3 9JS. LC&F is authorised and regulated by the Financial Conduct Authority with FRN 722603. This website is not intended to be a source of advice or credit analysis and the information contained herein does not constitute investment advice. Therefore, any decision in connection with funds, instruments or transactions described or mentioned within this website must be made solely on the information contained in the relevant Information Memorandum and no reliance should be placed on any other representations. Investors should note that repayment of the bonds offered by London Capital & Finance Plc, and the payment of interest on the bonds, depends on the performance of loans made by London Capital & Finance Plc to various UK businesses. In the event that these borrowers default on the loans, investors may lose some or all of their investment. Investment in the bonds of London Capital & Finance Plc is therefore speculative and involves a degree of risk.

Our investments have fixed annual interest rates of 6.5%, 8% and 8.95%, over 2, 3 and 5 years respectively. Calculate your returns

We use the funds from these products to help businesses plug the significant short-fall in the availability of corporate funding, by making loans to carefully selected UK companies. Find out more

Qualifying companies must demonstrate their ability to meet their loan commitments and provide assets as security which are worth more than the amount of the loan. Currently we hold £300 million assets protecting £197 million in loans1. Find out more

As at 31 August 2018, we have a 100% record in repaying our investors their interest and capital in full, and none of our borrowers have defaulted on their loans5.