Earn 5.8% per year in your ISA

By investing in our fixed one-year Innovative Finance ISA you can earn interest totally tax-free* while supporting growing British businesses.

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(Capital at risk; No FSCS protection)

Selected Growth Street statistics as of 9th of July 2019:

Founded in

2014

Borrowed so far

£106m

Investors' losses so far

£0

Although, past performance may not be a reliable indicator of future results.

How does it work?

By investing in the Growth Street ISA, you’re able to earn an annual return of 5.8%, payable at the end of the one-year fixed term. Providing you are eligible for an ISA*, you can invest from £10 to £20,000 a year completely tax-free across all ISAs – or transfer in as much as you like from any existing ISAs.

See our ISA FAQs
How do I fund my Growth Street ISA?
  • Deposit via a bank transfer

  • Transfer in existing ISAs from previous years - Find out more


1

Already have an account? Sign in


2

Open a Growth Street ISA from your dashboard


3

Fund your account and your money will be put to work within 7 days!


2

Open a Growth Street ISA from your dashboard


3

Fund your account and your money will be put to work within 7 days!

Start investing

Create an account

Already have a Growth Street account?
Click here to login and open your ISA

What am I investing in?

Your money will be invested in a one-year bond, and will be used to fund loans to exciting British businesses, all of which will have passed our rigorous underwriting processes and will often be using the money to grow. This includes hiring more staff, buying more supplies, and investing in marketing and sales.

Each Growth Street borrower is required to provide regular, direct access to in-depth business and financial data, both at the time of application and continually throughout the time they are a Growth Street borrower. This data includes management reports, bank activity, and in many cases direct access to cloud accounting data.

Growth Street will only allow borrowers to draw down funds if, using the latest data available, the financial requirements in their agreement are still being met.

Risks and protection

Like most investments, when investing with Growth Street there is a risk you could lose some or all of the capital you invest. However, protecting your investment is a top priority for Growth Street, and we have a number of safeguards in place to help us do just that. You can read more about the risks of investing through Growth Street on our risk page.

  • Are the risks different for ISA and Classic accounts

    Yes they are. There’s two ways the risks associated with investing on the Growth Street platform differ between our Classic product and our ISA product.

  • Deployment and rate risk

    When investing through your Classic account, the rate you earn over a year will depend on how often your money is matched with a borrower and what the rate we’re offering to investors is throughout the year (what we call our ‘Market Rate’). You can see up-to-date statistics on these on our Matching page.

    However, this isn’t the case for our ISA investors. When you invest in our ISA product, you will be buying a bond issued by one of our group companies (the Bond Issuer), which will in turn lend the proceeds of the bond on the Growth Street platform. The bonds issued have a fixed rate, which means that regardless of the Bond Issuer’s ability to lend funds on our platform and regardless of whether the Market Rate changes during the bond term, you will always be due interest at 5.8% p.a. at the end of the one year term.

  • How we protect our ISA investors from deployment and rate risk

    To protect our ISA investors against deployment and rate risk, Growth Street has committed to ‘top-up’ any shortfall in interest payments so that we will always be able to pay a rate of 5.8% at the end of your one year term. This commitment from Growth Street means you will receive your full 5.8% even if we haven’t been able to deploy your funds for the full one year term, or if the Market Rate changes.

    This means that instead of facing deployment risk and rate risk, when investing through our ISA product, you are exposed to the risk that Growth Street doesn’t make the promised top-up payments, which could result in you earning less than the promised 5.8% p.a. interest. Of course, Growth Street fully intends to adhere to its commitment (which is recorded in an enforceable contract) and we have processes and controls in place to mitigate this risk, but it is a risk you need to be aware of.

Start investing

Create an account

Already have a Growth Street account?
Click here to login and open your ISA

*Tax treatment will depend on your individual circumstances and may be subject to change in the future.