When you lend to or invest in a small or medium-sized business, you inevitably take on risk. While we do extensive due diligence on the businesses seeking funds, or asking for investment by way of shares, it is possible that a business may fail. In that case, you may lose all or part of the money you have invested into the business. Your capital is at risk, as is the income you may have been entitled to. There are other risks associated with making fixed-rate, fixed-term loans. You may find that your money could earn a better rate of return elsewhere, because interest rates have risen significantly, but your money is locked in (interest-rate risk). If you decide you need to realise the cash invested through our platform you may find that you cannot sell your investments at a price you are happy with because there is no guarantee of finding a buyer (liquidity risk).
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