Crowdlending is the fastest growing part of the crowdfunding marketplace and can offer good returns to investors who lend through the platforms. Our webinar was hosted on 12 August from 13:00 – 13:45 and discussed crowdlending as an investment vehicle.

1. Crowdlending: The Investor Perspective Webinar
Sue Davis, Fraser Lusty & Heather Mackay
Edinburgh – 12.08.2015
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2. LendingCrowd
Webinar Agenda
For more information
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* Your capital may be at risk.
Investor Perspective Webinar
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1. Crowdlending in your investment portfolio
2. Investment considerations
3. Getting started
4. Q&A

3. Risk Profile for Investments
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Private and Confidential
LendingCrowd
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Investor Perspective Webinar

4. Crowdfunding and non bank finance
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Private and Confidential
LendingCrowd
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Investor Perspective Webinar

5. Emerging Regulatory Framework
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• Regulated by FCA Policy Statement 14/4 since April
2014 – reviewed in February 2015
• Self certification
• High Net Worth
• Sophisticated Investors
• 10 % rule
• Financial promotion – rules on how benefits and returns
can be worded
• Emergence of industry bodies, e.g. UKCFA, P2P
Association
LendingCrowd
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Private and Confidential
Investor Perspective Webinar

6. FCA Regulation – effective April 2014
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• Applies to peer-to-peer lending platforms, loan based
crowd-funding platforms and investment-based crowd-
funding platforms
• FCA do not regulate other forms of crowd-funding, such
as rewards-based or donations-based crowd-funding
• Policy Statement outlines new regime
• Firms to comply with these rules wef 1/10/14
• Full post-implementation review of the above market and
regulatory framework in 2016.
LendingCrowd
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Private and Confidential
Investor Perspective Webinar

7. Why invest with LendingCrowd?
Great returns & Low fees
Select the interest rate you seek given your risk
appetite with rates starting at 5.95%*.
Clear transparent fees – 1% annual fee on the
amount of money you have lent, collected in monthly
sums when you receive a payment.
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Your choice of UK Businesses in which to invest
LendingCrowd gives you the opportunity to choose
the type and size of UK businesses you wish to
fund, from high tech to more traditional businesses.
This enables you to shape the risk profile of your
portfolio, and the duration for which you wish to
invest.
Easy, Convenient & Simple
Simple and quick online signup.
Invest from as little as £20 in a loan.
Features such as Autobid enable those who prefer
to take a passive portfolio management approach.
Derisk through multiple loans
Spread your investment across a number of loans,
allowing you to diversify your risk, and so protect your
investment.
LendingCrowd
Investor Perspective Webinar
www.lendingcrowd.com
@_lendingcrowd
* Your capital may be at risk.

8. Applicable Tax Reliefs
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• Seed Enterprise Investment Scheme (equity)
• Enterprise Investment Scheme (equity)
• Social Investment Tax Relief (debt/ equity)
• SIPP (peer to peer)
• Proposed consultation on new Lending ISA (peer to peer)
LendingCrowd
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Private and Confidential
Investor Perspective Webinar

9. Innovative Finance ISA
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Tax-free returns up to ISA limit
This means huge tax savings for P2P investors and the
government has also announced a new personal savings
allowance of £1000.
Innovative Finance ISA 2016
Third type of ISA, will be introduced from April 2016
therefore LendingCrowd investors will be able to invest
their ISA allowance by lending to others without paying
tax on the interest they earn.
Bad debt relief for the Peer-to-Peer industry
This was announced in the Chancellor’s 2014 Autumn
Statement, and will allow from April 2016 tax relief on bad
debts incurred on P2P loans against other P2P income.
LendingCrowd
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Investor Perspective Webinar
Private and ConfidentialPrivate and Confidential

10. Investor Process
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Private and Confidential
LendingCrowd
Investor Perspective Webinar
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"LendingCrowd is way ahead of anything I
have found so far... the whole platform
gives me all the information and guidance I
require to make good positive investment
decisions.“ - W. Howie, Feb 2015

11. Investor Process
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Private and Confidential
LendingCrowd
Investor Perspective Webinar
www.lendingcrowd.com
@_lendingcrowd
“We looked at securing capital in other
ways – for example through banks – yet
this presented a great deal of ‘sweat and
tears’ and there was so much security to go
through. Borrowing money by crowdfunding
through LendingCrowd offered a simple,
fast and accessible way to secure finance.”
- Richard Fry, Managing Director

12. Investor Process
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Private and Confidential
LendingCrowd
Investor Perspective Webinar
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13. Questions?
13 LendingCrowd
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Please type any questions in the GoToMeeting chat sessions or hold for the line to open.
Investor Perspective Webinar
Private and Confidential

14. Thank you
Register
www.lendingcrowd.com
Recommend Contact Us
contactus@lendingcrowd.com
+44 (0)131 564 1600
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15. LendingCrowd
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