UK residents aged 18 or over who categorise themselves as either a ‘High Net Worth Investor’ or a ’Self-Certified Sophisticated Investor’ or who can confirm that they will invest less than 10% of their net assets in this type of investment as a ‘Restricted Investor’ (all of these as defined by the FCA's Conduct of Business Sourcebook at Chapters 4.7.9 and Chapter 4.7.10).

Prospective investors must also demonstrate that they understand the general risks of the investments on this platform. Organisations and institutions can also invest provided they can categorise themselves and demonstrate the same knowledge as above. You must not attempt to register online and you must not participate in any investment offers via our platform if you do not meet these criteria.

Your capital is at risk and your money is not covered by the Financial Services Compensation Scheme (FSCS) deposit protection scheme. More on the general risks of the investments on this platform can be found here.

The repayment of your capital cannot be guaranteed and there is a risk that if the company you have invested in fails you could lose some or all of your investment. Please read the offer document to find out the specific risks for each investment opportunity.                       

We do not charge fees to investors. We charge a fee to the organisation that is raising the capital. Details of these fees are outlined in the offer document.                        

You have 14 days from when you apply for an investment to reconsider. This is referred to as a ‘cooling off’ period and during this time you can notify us that you wish to cancel, without any need to explain and without incurring any cost. We will simply return your money to the bank account from which the funds were paid or to the debit card which was used for payment.                        

No they are not. You will not be able to claim against any compensation schemes if the investments you make through the platform do not perform, meaning they do not make payments or repayments in line with your expectations.

You will start to earn interest on your investment when the bonds are issued, not from the point at which you made the investment. There is usually a minimum amount that must be raised for the bond issue to go ahead. This minimum raise will be indicated in the 'key terms' on the offer page and in the offer document. Bonds will be issued 14 days after the closing date to allow for the cooling off period to elapse.

No. When it comes to pay for an investment, you are presented with two choices:   you can pay by bank transfer or pay using money held in your electronic wallet, if your account is in credit.

The bank transfer is made through your own bank and does not have to be made online. You can take the bank transfer instructions and your unique reference number to your local bank branch and ask them to make the transfer or - if you use telephone banking - you can instruct the bank transfer by phone with your bank.

Yes, even if you are a savings or current account customer and use our internet banking you need to register again. This platform is a separate platform offering investments and requires its own registration and password.

If you need to cancel an investment pledge for any reason, please email us at crowdfunding@triodos.co.uk. If you've been timed out and aren't sure whether you've made an investment pledge, please log in to your account and check under 'Account' and then 'Portfolio' to see your investment pledges.

The IFISA is a new type of ISA that allows you to receive the interest you earn on eligible crowdfunded investments tax-free.               

Only certain bond offers will be eligible. Share offers are not eligible for the IFISA. Bond offers that are eligible will be clearly marked on the crowdfunding platform and in the offer document and you will be given the option of investing either directly into the bond or through the IFISA when you apply.                        

The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance.

The ISA allowance for the 2018/19 tax year is £20,000.

You can open a Triodos Innovative Finance ISA if you are resident in the UK for tax purposes and are over 18 years of age.        

Yes, you can have an Innovative Finance ISA as well as a Cash, Stocks & Shares and Lifetime ISA.                        

Yes, you can transfer other types of ISAs to an Innovative Finance ISA provided you are transferring cash and not investments. If you hold a Stocks & Shares ISA and you wish to transfer it, your current provider will sell any investments you hold and transfer the cash proceeds.

Some ISA providers may not offer a partial transfer and there may be charges or costs, such as manager’s charges or lost interest so you should enquire with your current ISA manager.

If you want to transfer into a Triodos Bank IFISA, you first need to register as a user and complete your investor registration. You can then request a transfer by going to the 'Account' button and selecting 'ISA' and then 'New transfer'. Follow the steps to complete the details of the transfer on screen. A transfer authority form will then be automatically populated which you can print, sign and return to us and we will request the transfer from your existing provider. It usually takes between 15 and 30 days to transfer your ISA, depending on the type of ISA being transferred. This is worth bearing in mind if you would like to invest in a specific offer.

Yes, you can transfer previous years’ ISA subscriptions as well as your current year’s ISA.  This can either be money that has been subscribed in the current tax year or the previous tax year, or a mixture of both. If you transfer ISA money that was subscribed during the current tax year then you must transfer all of it. If you transfer money that was subscribed in a previous tax year then you can transfer either all of it or just some of it.

No, you can only have one Innovative Finance ISA for each tax year. So, if you open an IFISA for 2018/19 and put in some of your £20,000 allowance, you cannot subscribe new money to an IFISA with another provider in that tax year unless you transfer or close your current IFISA.

Your IFISA can hold more than one investment however. Your Triodos IFISA can hold any eligible investment promoted on the Triodos Bank crowdfunding platform.

Yes. The transfer process would be the same as if you were transferring your Cash ISA or Stocks & Shares ISA from any another provider. See the answer to the transfer question above.      

No. The only investments that can be held in the Triodos IFISA are new, eligible bond offers that are available on the Triodos Bank crowdfunding platform.           

Yes absolutely. Your Triodos Innovative Finance ISA can hold any eligible investment promoted on the Triodos crowdfunding platform. At present only debt securities are eligible to be held in the IFISA.

Please upload your signed Transfer History Form from your computer to the crowdfunding platform by following the steps below:

• From the homepage (https://www.triodoscrowdfunding.co.uk) click the green Log in button in the top-right of the screen and sign into your account.
• Once signed in, select Account --> ISA --> Your transfer requests from the top-left navigation menu.
• On the ISA Transfer in requests screen, upload your Transfer Authority Form by clicking the Click here to upload the transfer form label. In the upload form that appears, you will be able to upload and submit your authority form.

Once we have received the completed form, we will contact your current ISA provider to arrange the transfer of your funds and will email you to confirm when the transfer has been completed.

If you need any assistance, please email crowdfunding@triodos.co.uk or call 0117 980 9593.

We offer a full range of banking services, for individuals and businesses. You can learn more on our main website here.

People and organisations who want to know their money is being used for positive impact, in a transparent way.

We’re committed to using the funds entrusted in ways that benefit people and planet. To demonstrate this commitment, we publish details of every organisation we finance on our website here.

We aim to provide a friendly, professional and accurate values driven service and actively encourage feedback about the service received from us. We are sorry if you are unhappy with your experience and want to know when things have gone wrong so that we have a chance to put things right. We will treat you fairly and reasonably.

Our complaints procedure is explained in full here.     

Social investment tax relief (SITR) is the government’s tax relief for social investment which encourages individuals to support social enterprises and helps them access new sources of finance.

The Seed Enterprise Investment Scheme (SEIS) and Enterprise Investment Scheme (EIS) are tax reliefs designed to encourage investments in small unquoted companies carrying on a qualifying trade with a permanent establishment in the  United Kingdom.

Investors in SEIS/EIS qualifying companies can, depending on their individual circumstances and the company’s compliance with rules governing SEIS and EIS, enjoy some or all of the following tax advantages:

• SEIS/EIS relief (currently 50% for SEIS and 30% for EIS of the amount of the investment) against income tax liability in the year of investment, subject to an ability to carry back relief to the immediately preceding year in certain circumstances.
• Exemption from Capital Gains Tax (CGT) on the disposal of SEIS/EIS shares in SEIS/EIS Qualifying Companies after a three year holding period, provided that disqualifying events have not occurred.
• Unlimited deferral of capital gains from the previous three years or the subsequent 12 months.
• Income tax or CGT relief for a loss on disposal of EIS shares; and
• Inheritance tax exemption after two years.

You should always take your own tax advice before deciding whether to invest.