What you should know before investing

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All investments carry a risk of capital losses

Investing via a lending marketplace, like the one operated by Growth Street, carries an element of risk. The returns you earn will come from loans made to UK businesses, and as with any investment, there is a risk that the value of your investment can go down as well as up.

Growth Street does not give financial advice, but we suggest you consider the following before making a decision to invest with us:

Loss of Capital

There is a risk that the companies you lend to may default and if there are insufficient funds in the Loan Loss Provision to cover defaults across the platform, that could lead to the loss of some or all of your capital. You should not lend more money than you can afford to lose. If you are unsure about any aspect of the information provided, you should seek advice from an independent financial adviser.

Lending through Growth Street is not covered by the Financial Services Compensation Scheme.


We do not currently have an active secondary market for the loans you take part in. This means that you will only be able to withdraw amounts invested when a loan that you make is repaid. All Growth Street loans are 30 day loans and because borrowers are free to repay loans at any time, in many cases loans may be repaid before the end of the 30 day period. However, often borrowers will want to keep borrowing at the end of the 30 day term. If there aren’t sufficient funds on the platform to support borrowers, we may call a ‘Liquidity Event’. In a Liquidity Event it is likely to take longer than expected for you to be repaid. You can read more about this on our Access page.


Lending to businesses should be done as part of a diversified portfolio. This means that you should consider investing small amounts across multiple types of investments as opposed to a large amount in one or a few.

Past Performance

Past performance is not a reliable indicator of future results. You should not rely on any past performance as a guarantee of future investment performance.

Future Performance

Forward-looking statements (such as predicted rates of return) are not guarantees of future results or performance and many different factors could cause actual results to be different from those that may be expressed or implied by any forward-looking statements. As such, forecasts are not a reliable indicator of future performance.

The Growth Street ISA

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. Growth Street has committed to ‘top-up’ any shortfall in interest payments so that we will always be able to pay the agreed rate, 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 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 rate. Growth Street is not subject to stringent capital requirements and does not have a rating from a credit ratings agency, so there has been no independent assessment of its ability to fulfil its top-up commitments. Of course Growth Street fully intends to adhere to its commitment (which is recorded in an enforceable contract with the Bond Issuer) and we have processes and controls in place to mitigate this risk, but it is a risk you need to be aware of.

This list of risk factors does not necessarily outline all possible risks involved. Prospective investors should read the Growth Street Investor Terms in their entirety and consult with their own advisers before deciding whether to lend. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.


Lending on the Growth Street platform is an investment, and like most investments, 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.

Although past performance is not a reliable indicator of future results, we are proud that these systems and controls have helped ensure that to date no Growth Street lender has lost any money on our platform.

Learn more about how we protect your money

The Loan Loss Provision we offer does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The fund has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Loan Loss Provision when considering whether or how much to invest. You can read our Loan Loss Provision Policy here.