ArchOver: Insurance Protected Crowdlending

ArchOver

ArchOver Is The First Crowdlending Platform That Makes Investor Security Its Priority By Taking Insurance

Lender Security Is What Defines ArchOver

Crowdlending Through ArchOver Gives You The Chance To Realise Significantly Better Returns Than Those Offered By Banks And Many Other Alternative Investments

ArchOver allows borrowers to leverage the credit worthiness of their clients’ balance sheets to facilitate lending for working capital, fuelling growth and expansion, and for replacing existing facilities. 

ArchOver helps companies to borrow. ArchOver uses innovative, forward thinking solutions that rewrite the rule book used by traditional lenders.  For investors, ArchOver seeks returns that are attractive, secured and insured.

In addition to attractive returns, ArchOver uses floating charges and insurance to provide unrivalled security for its investors. The use of insurance underwriting also provides a second tier of sophisticated credit analysis that is carried out by ArchOver’s insurance company partners.

Archover

5 Reasons To Lend Through ArchOver

1. ArchOver secures against easily realisable assets like Accounts Receivables.

2. ArchOver uses insurance to protect the value of assets.

3. Security and insurance are always in favour of the lender, not ArchOver.

4. All borrowers have to maintain minimum secured asset values of 125 per cent.

5. ArchOver only works with successful companies. All loans have to achieve its Grade A+ risk rating to qualify for borrowing.  ArchOver doesn’t use internally created risk bands like other crowdlenders. The insurance homogenises the loan risk in addition to ArchOver’s strict internal controls.  ArchOver only provides large loans (minimum £75,000) to successfully trading companies.

Visit the ArchOver website for full details.

SIPP And SSAS Lending On ArchOver

To discover whether investing your SIPP or SSAS money in crowdfunding and peer-to-peer lending is appropriate for your circumstances, please complete all the fields of the form below.

  • Please tick all relevant boxes.
  • For example: Personal Pension with Legal & General; Final Salary Pension with British Telecom.
  • Typically, you'll need to have a fund value of at least £50,000 and better still, around £100,000 to cover the annual fees and to make it economic.
  • Please tick all relevant boxes.
  • I understand SIPPclub will not provide me with any personal financial advice, and that SIPPclub neither advises on nor recommends specific investments or strategies. I accept that SIPPclub's role is to enable me to make informed financial decisions through the provision of information, and where relevant, by referral to providers of products and services appropriate to my needs. I agree to being subscribed to SIPPclub’s weekly newsletters, and I understand I can unsubscribe from them at any time. I’ve read and agree to SIPPclub's Terms and Privacy policies shown in the footer of this web page.

Crowdfunding And Peer-To-Peer Risk Warning

When a platform has been assessed and approved by a SIPP or SSAS operator, this does not imply that any loan or investment opportunity is endorsed in any way. A SIPP or SSAS operator's due diligence review is limited to ensuring the processes and procedures of the platform are in line with both FCA and HMRC principles.  It's entirely your responsibility for carrying out your own due diligence on any loan or investment opportunity before agreeing to lend or invest your pension money on a platform. As a SIPP or SSAS operator will continually review platforms from a regulatory perspective, it's possible for a platform to become 'unapproved' if something changes.

With peer-to-peer lending, your capital is at risk if you lend to individuals and businesses.  You may lose some or all of the capital lent if the borrower defaults and is unable to meet its liabilities. Historic loan default rates are not necessarily indicative of future default rates.  In addition, lending is an illiquid investment, which means you may not be able to access the capital you lend for the duration of the loan period, even if the platform offers a secondary market.  Investing in any business involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdfunding is generally targeted at investors who are sufficiently sophisticated to understand the risks and make their own investment decisions, based on their knowledge, experience and financial capacity. Neither crowdfunding nor peer-to-peer lending is covered by the Financial Services Compensation Scheme. The tax treatment of your investment is dependent on your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of crowdfunding investment or peer-to-peer lending, you should consult a suitably qualified independent financial adviser.

IMPORTANT NOTE: NOTHING FEATURED ON SIPPclub IS EITHER AN IMPLIED OR A SPECIFIC RECOMMENDATION TO MAKE, OR TO REFRAIN FROM MAKING A FINANCIAL DECISION.  THIS PAGE HAS NOT BEEN APPROVED AS A FINANCIAL PROMOTION.

As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from Unbiased.co.uk.  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.

Please read our full Terms which includes criteria for SIPPclub membership.