Authorised & regulated by the Financial Conduct Authority.

Fixed Rate Bonds and ISAs
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Refer A Friend
Terms And Conditions

Valid from 23 July 2018

The following terms constitute a legal and binding agreement between London Capital & Finance Plc (“LC&F”) and you, an existing account holder (“investor”, “customer”, or “you”) in the bonds of LC&F.

The use of this website is subject to the following terms of use:

1. Application of these Terms and Conditions

These Terms and Conditions (“T&C”) set out the terms and conditions under which LC&F may reward you for the introduction of and acceptance by LC&F of a friend who also becomes an investor (customer). The introduction or referral of a friend is done under the “Refer a Friend Scheme” (the “Scheme”).

2. Eligibility & Restrictions

2.1 Clients can participate in the Scheme as long as they are currently invested in one of LC&F’s fixed rate bonds or ISAs (Product, Investment).

2.2 Clients can refer multiple friends, there is no limit to the number of referrals.

2.3 Referred friends must be completely new to LC&F. They can’t be a current Client or have been a Client at any time in the past.

2.4 Clients cannot refer themselves, immediate family members, or a company or organisation that they control. We may refuse to provide the rewards referred to in this agreement in such a case at our sole discretion. Such a determination is final.

2.5 Referred friends must use either the Client’s unique referral code, or the unique referral link to apply to be eligible.

2.6 Referred friends can start referring their own friends as soon as they fund a new LC&F account and become a Client.

2.7 Clients cannot post their unique referral link on any website.

2.8 Clients cannot use search engine marketing (e.g. Google AdWords) to promote posts.

2.9 No referred friend will be accepted as a client if they are not able to successfully fulfil all regulatory requirements that any Bond applicant has to fulfil. In such an unsuccessful case, LC&F will decline the referral and you will not be entitled to the Reward.

3. Rewards

3.1 When referring a friend, LC&F the referring Client may be entitled to the Reward only if and when such a referred friend is accepted as a client, after the successful acceptance of his or her application for any LC&FBond (which may include an ISA) as issued by LC&F, which includes passing all regulatory requirements and the successful acceptance of the funds for that Bond.

3.2 The Reward is a one-time gift to the equivalent of £125, which will be in the form of a gift voucher.

3.3 Referred friends may in turn be entitled to the same Reward once they have become clients and successfully refer a friend.

3.4 Clients and referred friends have a choice of vouchers from Amazon EU Sarl (Amazon) or Waitrose Ltd (Waitrose).

3.5 The gift cards have no official monetary value and can’t be exchanged, transferred, redeemed, replaced or refunded for proper cash.

3.6 Each £125 Reward must be taken in whole from either Amazon or Waitrose, they cannot be split.

4. Right of refusal

4.1 We reserve the right to refuse a referral, based on unsatisfied regulatory requirements, or the enhanced risk to LC&F or its reputation by such an individual or organisation.

4.2 You will not be entitled to a reward upon LC&F’s refusal.

5. Privacy policy

5.1 This agreement has as privacy policy the same as that of LC&F as is available on the firm’s website.

6. Severability

6.1 If any provisions herein is found to be unlawful, invalid or otherwise unenforceable, any such provisions shall be deemed severed from this agreement and not affect the remaining provisions and the rest of this agreement shall remain in force and effect.

7. Waiver

7.1 No waiver of any of the terms and conditions of this Agreement will be binding or effectual for any purpose unless expressed in writing and signed by the party giving the same, and any such waiver will be effective only in the specific instance and for the purpose given. No failure or delay on the part of any party in exercising any right, power or privilege hereunder will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege.

8. Other

8.1 LC&F may on rare occasions make an exception from one or more parts of these terms and conditions. The Terms and Conditions remain unchanged for all other instances.

8.2 LC&F will reflect any changes to The Offer here.

8.3 LC&F’s Refer a Friend programme uses the website Privacy Policy and Terms & Conditions.

9. Law

9.1 This agreement shall be governed by the laws of England and shall be under the exclusive jurisdiction of the courts of England.

9.2 Any legal action emanating from this agreement must be brought before the courts of England.

10. Amendments and communication

10.1 LC&F reserves the right to amend these T&C at any time, without notice.

10.2 You may contact us regarding these terms at [email protected]


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 £685.3 million assets protecting £215 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.