Yield: Up to 13% per annum; 2, 3 or 4-year terms; quarterly / annual / maturity interest options.

Security stack: First-charge debenture over firm assets; case security (assignment + ATE insurance proceeds); personal guarantees from directors/shareholders; diversification across firms/case types;

Risk management: Initial assessment & screening, Investment Committee approvals (with external NEDs), monthly monitoring, monthly legal audits, and quarterly external audits of case progress.

Track record: Since 2020, 13,657 loans issued; £40.3m gross loans originated; £17.2m principal repaid to date; £39.5m raised from investors

Focus: High-volume small consumer claims (e.g., Housing Disrepair, Financial Mis-selling, Tenancy Deposits, Plevin, Business Interruption, Personal Injury).

Growth plan: Target loan book to £45m in 2025 and £65m in 2026;