Your Capital is at Risk, investment is not covered by the Financial Services Compensation Scheme (FSCS) and interest payments are not guaranteed. In the event of a loan default or if Fluid becomes insolvent, you may lose some or all of your investment, including interest payments due. If you are in any doubt about making an investment you are strongly recommended to consult a trained professional advisor. Before you subscribe to the bond you should ensure that you fully understand the risks and determine whether the bond is suitable for you on the basis of all the information available, including the Information Memorandum.

Can I withdraw funds early?

Bonds are considered non-readily releasable investments. You should expect to hold them for the full three-year term, although you may be able to find an investor willing to purchase the bonds from you. You can also request early redemption of your investment, including payment of interest accrued until the requested redemption date. The Directors intend that any such requests will be met where possible. However, early redemption is at the director’s discretion and will incur an early redemption penalty of 6%.