The Sourced ISA

Up to 12%*

Our Innovative Finance ISA makes it quick and easy to invest, making your money work harder with tax free returns.

Tax treatment depends on your individual circumstances and subject to HMRC requirements and may be subject to change in the future.

Our ISA process is as simple as 1, 2, 3.

Do you want better returns from your existing ISA? If the answer is yes, you’ll be glad to hear that you can now transfer your current ISA to Sourced’s Innovative Finance ISA completely free of charge*.

Fees may be charged by your existing ISA Manager. ensure you check these.

If you’d prefer to invest your tax-free allowance with Sourced Capital and receive up to 12%* a year tax-free with a secured investment against UK property, here’s what you need to do:

Create an account

Once activated, open an ISA account

Add funds to your ISA, or transfer an existing ISA over

Download our free IFSA Guide

Key ISA Benefits

Reasons to join our community of investors...

Your ISA can earn up to 12%* pa tax free

Capital at risk.

Diversify and spread your risk across projects

Sourced Capital is run by experienced financial services professionals.

No fees to invest. Not now, not ever.

All investments are secured by first legal charges

You know exactly how your money is being used

Government Initiative

With backing from the UK government, showing their confidence in the sector, there is now encouragement to invest in property through peer-to-peer lending.

The IFISA is a category of ISA which was launched in April 2016 for UK taxpayers. Previously, there have been two main types of ISA: Cash ISAs and Stocks and Shares ISAs. Similar to these ISAs, the IFISA allows you to invest money without paying personal income tax. This enables you to invest your money into the growing Peer to-Peer market.

Each tax year, you get an allowance of up to £20,000 to put into ISAs which you can distribute across your ISAs. In addition you can transfer your previous year’s ISA investments into your IFISA.

What Are The Risks?

Person working and using a laptop for business and accounting concept.

As with any other investment activity, Peer-to-Peer lending carries risk. It important that you understand the risks involved and are comfortable with them before you make any investment decisions.

Whilst we as a platform seek to run a well governed and responsible business, we too are a business and susceptible to various market and financial risks. If we as a business fail there is a risk to the administration of your repayments and management of funds. To mitigate this risk, we have put in place an ‘Orderly Wind Down Plan’ to ensure that the platform will continue to distribute repayments and manage your money as expected. All funds are kept in a segregated client account with our Principal which are separated from our own and their business accounts.

When lending your capital is at risk of default. Your funds are not protected by the Financial Services Compensation Scheme (FSCS).

We do not currently operate a secondary market and as such you will not be able to divest from your investments until the end of the investment term.

Please see our Risk Statement for further details.

2 Minutes to Join our Community of Investors

Register today and begin earning up to 12%* interest per year.