Securities & Risks

Every investment is different and comes with risk, so you should seek independent financial guidance before deciding to invest money into a bond through an ISA. On this page, we’ll take you through the key risks associated with the Fluid bond product, as well as the securities in place to help mitigate risk.


Exposure to External Events
New rules, regulations and laws could create additional burdens for the Company, and the business activities and assets of the Fluid group could be affected by an unforeseen event beyond its control. These include events economic, social and political nature.

Risk of Inflation
With exposure to external economic events and trends, you should be aware that if the fixed return on your bond fails to pay a rate above that of inflation, the real value of your savings could fall.

ISA legislation changes
The legislation relating to IFISAs may change. Levels of tax and tax relief could change in the future.

The Company’s Business Strategy
The Company’s business strategy calls for a quick and capacitive utilisation of the lending capital made available to them by the bond issuer. The Company has undertaken prudent projections for its activities incorporating a variety of variables, but is inherently subject to uncertainty and unforeseen events. While the Company cannot give certainty that its goals will be met, it anticipates that it will reach sufficient levels of positive cash flow to cover the payments required to the bond issuer.

The bond is not FSCS protected
The Bonds are not protected by the Financial Services Compensation Scheme (“FSCS”). Therefore, if the Company were to become insolvent or go out of business, Bondholders may lose all or part of their investment in the Bonds and no government or other bodies would be required to compensate them for such loss.

Company reliance on other third parties
The Company will also be party to contracts with a number of other third parties who will perform services in relation to the Company and/or the Bonds. In the event that any of the above parties were to fail to perform their obligations under the respective agreements to which they are a party, Bondholders may be adversely affected.

Fluid Bonds should be seen as a long-term investment
Investors should be aware that the bonds you will invest in are non-readily realisable investments. Investment through Fluid ISA should be viewed as a long term investment. Whilst Bondholders may request that the Company makes their Bonds available for sale, there is no guarantee that the Bonds will be purchased by other prospective Bondholders nor is there any guarantee regarding the time it will take to complete the transfers or whether purchasers will be found. Factors affecting the ability to transfer may include but are not limited to, market appetite, inflation, the time of redemption, interest rates and the current financial position and an assessment of the future prospects of the Company.

Past Performance
Past performance of financing is not necessarily a guide to future performance. Past events, experience derived from these, or assumptions derived from any of these, do not predetermine the future.

Diversification means spreading your investments across different asset classes and sectors. You should be aware that all monies invested through the Fluid ISA Bond will be in the same sector and through the same asset class. You should consider spreading your investment risk and seek independent advice when you are not sure if an investment is suitable. You are not able to invest more than 10% of your net assets through the Fluid ISA unless you are a high net worth investor, a certified sophisticated investor or a self-certified sophisticated investor.


Fluid ensures that all funds raised from the bond are asset-backed, helping to mitigate the risk of investments.

Asset-Backed Investments
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.

Please note that the fact ultimate loans are secured does not guarantee a return on bonds.

Effective Due Dilligence
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 part of the project.

In the rare instance of insolvency, Fluid Lending would be able to make repayments via accumulated profits, loan security asset sales, loan capital repayments and company asset liquidation.

Please note that the security may not be sufficient to replay bondholder capital and interest.