ArchOver: Insurance Protected Crowdlending

ArchOver

ArchOver Connects Businesses Requiring Finance With Investors Seeking A Secure And Favourable Return

To Date, ArchOver Has Paid Over £3 Million In Interest To Lenders, Delivering Returns Of Up To 10 Per Cent Per Year

Lending with ArchOver takes place over its secure online platform.  Every loan listed on the platform has been pre-screened and approved by the experienced in-house credit team.  The rate, loan term, loan security type and company details are listed, with Lenders making the final decision on which companies they would like to invest in.  The minimum investment is £1,000.

Companies that borrow over the ArchOver platform are UK-based, have been trading for a minimum of two years, and are seeking a minimum loan of £250,000.  Loans are for any business purpose, typically raising working capital, replacing invoice discounting or bank overdrafts.

ArchOver Offers Five Lending Models Supporting UK Businesses

Each model addresses security in different ways to suit the needs of Borrowers and the risk appetite of Lenders.

1. Secured & Insured

ArchOver’s flagship ‘Secured & Insured’ model allows Lenders to invest in loans secured against a company’s Accounts Receivable, where those Accounts Receivable are insured.

2. Secured & Assigned

‘Secured & Assigned’ allows Lenders to invest in loans that are secured against a company’s contracted recurring revenue, with ArchOver taking assignment of the contracts.

3. Secured

‘Secured’ loans are leveraged against either a company’s Accounts Receivable or contracted recurring revenue, with the main difference being that, for the right reasons, the Accounts Receivable are not insured and the recurring revenue is non-assignable.

4. Bespoke

‘Bespoke’ loans are made on the same basis as S&I or S&A, with the sole exception that the all-assets charge initially ranks second and will transition to a first charge during the loan term.

5. Research & Development Advance

ArchOver’s newest service, ‘Research & Development Advance’ is unsecured short-term lending against an identified Research & Development claim payable to a company by HMRC.

Quick Facts About ArchOver

  • Over £65 million lent to UK businesses to date
  • Interest rates between 6.25 per cent and 10 per cent per year, dependent on loan term and security
  • Minimum investment £1,000
  • Build a portfolio of investments across a range of loans
  • Loan terms range from three to 36 months
ArchOver
I find ArchOver very thorough in its approach and is easy to understand.  It is a very user-friendly site and all the investment opportunities are well explained and there is a full profile of the companies to be invested in.  Their payment of interest is prompt and notified to the investor.  Security of loans is comprehensive and I have full confidence in them.  Also you don't have to invest huge amounts to get the best rates.
ArchOver

Visit the ArchOver website for full details.  As with all investing, your capital is at risk.

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.

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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.

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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.

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