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.

With Fluid, you’re able to purchase a bond which is held through an innovative finance ISA wrapper which could potentially grant you healthy, regular returns. With a minimum investment starting at just £2,000, and the tax-free benefits of an ISA. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

Key Benefits and Risks of The Fluid Bond & ISA

  • Tax-free benefits of an ISA. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future
  • Get started with an initial investment from £2,000 to £30,000 and with regular monthly investments optional
  • Due to receive quarterly payouts from your investment
  • No set-up fees and excellent customer service and support
  • While bonds are Asset-backed this does not guarantee a return for bond holders
  • Your Capital Is at Risk
  • There is no FSCS cover for the bond investment

Easily manage your investment online

With Fluid, you can easily manage your investment on the go through your investor dashboard and make additional investments, manage monthly top-ups and see interest gained.

Apply Now

Getting started

  • Request a call-back or apply online to get started
  • Once set-up, you’ll have access to a personalised dashboard to potentially see your investments grow
  • Initial £2,000 to £20,000 to open an account

Frequently Asked Questions

  • Who are Fluid Bond?

    Fluid Bond is loaning money as lending capital to a bridging loan company providing bridging loans to exciting businesses including property developers throughout the UK.

  • What am I investing in?

    You are buying into a bond, issued by Fluid ISA Bond 2 Limited.

  • How can I keep track of my investment?

    Fluid Bond will release a bi-annual newsletter reporting on how your investment is being utilised by the bridging loan company, the latest on the bridging market and the loan company itself.

  • When will I receive my investment interest?

    Interest is due to be paid into your ISA account quarterly, you can access any interest payments through your online account and withdraw them when you like or save them up.

  • What if I change my mind after signing up?

    If you decide you’d prefer not to go ahead with the investment, you can cancel within 14 calendar days of opening your account. Just let the ISA Manager know by phone, email, or in writing. Following this initial 14-day period, you should expect to hold your Bonds for the full… Read More

Apply Online Now

Alternatively, you can contact a dedicated account manager on 0800 088 4548

Tax treatment depends on the individual circumstances of each investor and may be subject to change in 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.