The Fluid Bond through an Innovative Finance ISA

15th October 2018

The Innovative Finance ISA is the newest addition to the ISA family, introduced by the UK Government in 2016. It can be applied to crowdfunded investments and is aimed at people who want to take advantage of their annual ISA allowance of £20,000 and use it for investments.

How are funds in an IFISA invested?

An innovative finance ISA gives you the opportunity to invest up to £20,000 tax-free* per year. This is not to say you can’t invest more than £20,000 outside of an ISA – you can, this is just the allowance that is available on which any returns would be tax-free.

If you chose to invest through the Fluid ISA, the funds raised from the bond by Fluid Bond are invested through Fluid Bond’s partner, Fluid Trust – a bridging loan provider only investing in asset-backed** deals, to give you a level of peace of mind.

Fluid Bond is led by a team of highly experienced finance industry leaders and we make sure that we offer you the opportunity to potentially generate a high return while working with a trusted organisation in a competitive marketplace.

Is it worth the risk?

You must determine this yourself, but many people will, before investing, establish their aims and attitude towards risk. Is the individual investing to grow capital, to provide an income or a combination of both? Individuals should consider how long to invest for, their investment target and, realistically, how long it will take to reach it.

It’s important to note before investing through an IFISA that your capital is at risk and is not covered by the Financial Services Compensation Scheme (FSCS). Investing through an IFISA is not the same as saving within a cash ISA, which offers much more security but for typically lower returns.

What does Fluid have in place to help minimise the risk factor?

Fluid understands the risk factor of aa Bond which is why we have put measures in place to ensure that our investors’ money is as safe as it possibly can be.

Asset-backed investments**: Fluid ensures that all funds raised from the bond are asset-backed. The lending capital by the LendCo provides bridging loans that are used for exciting projects across the UK – all of which are secured by their asset-backed nature.

Effective Due Diligence: Fluid make sure that all attempts are made to protect every penny of investors’ money – including a thorough due diligence procedure which subjects Fluid Lending to strict criteria. This ensures they are equipped and suited to be a part of the project.

Have ISA Flexibility

The IFISA is flexible, meaning you can invest in our Fluid Bond at any point in the year, whether this is at the start of the tax year, or after Christmas with your Christmas savings. Not only this, but the Fluid Bond allows you to invest monthly, making investing more flexible than ever. So, you have more options with your ISA money. You can manage everything online via your own dedicated investment portal, so you can view your investments at all times.

The Fluid bond comes with an attractive interest rate that customers can earn up to 6% per annum which is fixed for 3 years, receiving interest rates every quarter. Funds that you invest through an IFISA count towards your £20,000 per annum tax-free* savings allowance.

Want to find out more?

Now is a good time to be thinking about IFISA. An IFSA is a good way to be able to plan this year’s allowances, and more importantly potentially make the most of your money for the 2018/2019 tax year.

Here at Fluid Bond we are going to be here every step of the way, constantly updating blogs regarding the Bond and Innovative Finance ISAs and what we can do to help you. If there is anything you’d be interested in hearing us cover, please don’t hesitate to contact us at or get in touch via one of our social media channels.

Alternatively, if you’re ready to find out how The Fluid Bond could work for you, go and visit our main webpage for more information.


*Tax treatment depends on the individual circumstances of each client and may be subject to change in the future

** The fact that the bond is asset-backed would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.