Downing Crowd Bonds

Conventional bonds are currently returning lower yields than historic averages. This, combined with interest rates offering miserly returns on cash, is forcing an increasing number of investors to look at alternative investments.

Crowd bonds offer a fixed rate of interest, repaying on a predetermined date and are generally secured against specific assets such as property, renewable energy and leisure venues.

Capital is at risk and returns are not guaranteed.

Bonds are investments not deposits and investors’ capital is at risk. Downing will seek to minimise risks but you should be aware that returns are not guaranteed and you may not get back the amount invested.

Potential return
7.6 % per annum

Downing Reserve Power Bond

This is an opportunity to lend to Downing Reserve Power Limited, a company that makes loans secured against reserve power projects across the UK. The Bond offers investors an opportunity to earn 7.6% p.a. over the term of the Bond.

Tranche 7 closes October 5 2018, 4:00 PM or earlier if target amount is reached.

86%
Amount Raised: £3,654,176
Target Amount: £4,250,000
Open For Investment

Potential return
4.5 % per annum

DDF Property Bond - Series One

This is an opportunity to lend to the Downing Development Finance Group at 4.5% p.a. for up to one year, maturing on 20 August 2019. The Group makes property loans secured on a first-charge basis and has a loan portfolio of £38 million spread over 14 loans as at 30 June 2018.

Tranche 4 closes November 20 2018, 12:00 PM or earlier if target amount is reached.

11%
Amount Raised: £553,758
Target Amount: £5,000,000
Open For Investment

Potential return
5.5 % per annum

DDF Property Bond - Series Two

This is an opportunity to lend to the Downing Development Finance Group at 5.5% p.a. for up to two years, maturing on 20 August 2020. The Group makes property loans secured on a first-charge basis and has a loan portfolio of £38 million spread over 14 loans as at 30 June 2018

Tranche 4 closes November 20 2018, 12:00 PM or earlier if target amount is reached.

31%
Amount Raised: £1,564,063
Target Amount: £5,000,000
Open For Investment

Potential return
4 % per annum

Populo Solar Bond

This is an opportunity to lend to Populo Energy Limited, a company that owns a portfolio of 6.9MW of operational solar arrays in the UK. This asset-backed Bond will offer investors a chance to earn 4% p.a. over a period of up to 16 months.

Tranche 2 closes October 17 2018, 11:00 AM or earlier if target amount is reached.

50%
Amount Raised: £1,608,807
Target Amount: £3,250,000
Open For Investment
Why Choose Downing?

Downing is a long-established investment manager that is regulated by the FCA, has over 30 years investment management experience and currently has over £1.2bn under management. Downing shows this experience when selecting these opportunities for its customers to invest in. Thus, Best Price Financial Services has selected Downing Investments as a partner for bonds. Downing acts as the arranger and security trustee for the bonds.

Best Price Financial Services will receive a small commission for these investments from Downing, however this will not affect your return.

Your personal decision to invest

A decision to invest in a company is a personal decision by you and no responsibility for the consequences of that decision is accepted by Downing LLP (“Downing”) or by any of its partners, directors, agents, employees or other members. To invest through Downing’s crowdfunding platform on www.downingcrowd.co.uk (the “platform” you need to understand the following important risks:

You are not covered by the Financial Services Compensation Scheme Deposit protection scheme

The Financial Services Compensation Scheme (FSCS) deposit protection scheme does not apply to Downing Crowd Bonds. It does, however, apply to funds held in the client money account prior to investment in Downing Crowd Bonds or once the proceeds of that investment are returned from the borrower.

The client money account is held by Thompson Taraz Depositary Limited at the Royal Bank of Scotland plc. Downing is authorised and regulated by the FCA and is responsible for arranging and promoting Downing Crowd Bonds. Under the FSCS investment protection scheme there may be circumstances in which investors can claim up to £50,000 of compensation where Downing is unable or unlikely to honour legally enforceable obligations against it (e.g. claims for fraud or misrepresentation).

However, investors will not be able to claim under the FSCS simply because a bond fails to repay capital or pay interest. This is unlikely to significantly affect the risk of investing in the Downing Crowd Bonds.Click here for more details on the FSCS and its eligibility criteria

Liquidity

You should be aware that no established market exists for the trading of bonds in private companies (which the companies that are listed on the platform are), and such bonds are not easily realisable. There could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at all.

Diversify your portfolio

We highly recommend you maintain a balanced portfolio. Diversification (by spreading your money across different types of investments) should reduce your overall risk. You should only invest a proportion of your available investment funds via the platform due to the high risks involved.

Tax

We recommend that you take your own tax advice on any investments which you make via the platform.

Recommendation

We do not provide advice or make personal recommendations. If you are in any doubt about the action you should take or the contents of a particular Offer Document, you should seek advice from a financial adviser authorised under the Financial Services and Markets Act 2000.

Past performance

Past performance is not a reliable indicator of future performance. You should not rely on any past performance as a guarantee of future investment performance.

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