As new loan offerings line up to come online, we find ourselves well past the £10 million mark of loans facilitated.
As the Money&Co. loan book expands, it becomes easier to diversify, one of the best ways of mitigating risk. We have a service available for larger investors – those committing £100,000 or more – that provides automatic diversification. See below for more detail on the portfolio service, and, below that, an update on how the latest loan auction is progressing.
We will manage your loan portfolio for you and ensure that there is sufficient diversification to reduce risk. When money comes back from borrowers each month, we will reinvest it for you in new loans coming through that meet the parameters that we have agreed with you.
You can choose to reinvest the interest from your loans or to pay it out.
The minimum investment for a Money&Co. Portfolio Service account is £100,000.
Our current loan is a five-year offering, risk-rated at B+, with an indicative gross yield of 9 per cent. It is 56 per cent funded at the time of writing. The offer closes in 6 days' time.
Money&Co. brings individuals looking to get good return on capital with carefully vetted small businesses seeking funds to grow. In addition to new loan offerings, our secondary loan market, offering existing loans for sale by lenders, is available to registered Money&Co. users.
All loans can be held, tax-free, in an Innovative Finance Individual Savings Account, or Innovative Finance ISA.
Risk: Security, Access, Yield
Do consider not just the return, but the security and the ease of access to your investment.We write regularly about these three key factors. Here's an earlier article on security, access and yield.
If you haven't made a loan via Money&Co. before, please read the risk warnings and the FAQ section. You may also wish to consult a financial adviser before making an investment. Capital is at risk, once loaned.