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FAQs

FAQs

Investors

What does First-charge mean?
How and when is interest paid?
What is a SSAS?
What is a SIPP?
What happens if the borrower defaults?
Bonds + Equity products

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Innovative Finance ISA (IFISA)

What is an IFISA?
Who is eligible for an IFISA?
How much can I invest in an IFISA?
What are the tax benefits of a Downing IFISA?
How do I open my IFISA account with Downing Crowd?
How does the Downing IFISA work?

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Borrowers

How can I raise money for my business?

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Risks

Downing LLP ("Downing") is authorised and regulated by the Financial Conduct Authority (firm reference number 545025). Downing does not give advice or make personal recommendations. All investment products carry risks. Any investment should only be made on the basis of the information and terms set out in the Offer Document, the general website Terms & Conditions, and the IFISA Terms & Conditions, and your attention is drawn to the risk, fees and taxation factors contained therein. Please consider all risks before investing and read the relevant Offer Document for each investment. The Bond is not readily realisable and is not subject to the same protection from the Financial Services Compensation Scheme (FSCS) as deposits. Tax treatment depends on individual circumstances of each investor and may be subject to change in future. Past performance is not a reliable indicator of future performance. Please note that capital is at risk and returns are not guaranteed.