CapitalStackers: Property Secured Structured Finance


CapitalStackers - Where Investors Build On Bank Finance

CapitalStackers gives you the opportunity to invest directly in real estate transactions, diversify your risk and tailor your returns to match your risk appetite. Your returns could be from 5% up to 20%. What’s more, your investment is secured against the underlying property assets being financed.

  • All loans are fully secured on quality assets.
  • Choose your risk band and diversify your portfolio.
  • Invest tax free through your pension.
  • Access your cash through its secondary market.
  • Comprehensive and professional risk analysis and ongoing monitoring of your investment.

Simply put, CapitalStackers “stacks” private funding on top of bank lending in order to reach the level required to finance a property scheme.

Visit the CapitalStackers website for full details.


Steve Robson

Managing Director

Because I was concerned about the high fees and poor performance of the mainstream pension providers, I sat down with my IFA to work out a more intelligent solution. Together, we transferred the pension policies from my previous occupational schemes and put the money into a new SSAS, so that I could reinvest the cash through CapitalStackers.  It was straightforward and well worth the effort.  In the period immediately before the switch, my pension policies were returning less than 4%.  I felt too far removed from the investment process and had no control over cost or performance.  I now get to pick which deals I invest in and select the risk profiles and rewards best suited to my circumstances.  For instance, I’m now invested in one of CapitalStackers’ commercial property investment loans earning 8% per annum.  Not only is it a better return, but the underlying investment has an excellent risk profile at just over 20% of the value of the property securing the debt. What’s more, the interest is covered at least four times over by the rental income.

SIPP And SSAS Lending On CapitalStackers

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.


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  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.