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Innovative Finance ISA


Welcome to our dedicated Innovative Finance ISA section, where we’ll be aggregating all IFISA-related news and analysis.

Below you’ll also find a complete list of the firms offering, and capable of offering, the IFISA. Put simply, the IFISA allows investors to invest up to £20,000 via a range of alternative investment instruments without being charged income tax. 





Funding Circle


Abundance Generation (bonds) 


Octopus Choice



PropertyCrowd (bonds) 

Assetz Capital

HNW Lending


Basset & Gold (bonds) 





The Money Platform 




CrowdforAngels (bonds) 

Lend & Borrow Trust Company

Triple Point (bonds)


Lendahand Ethex

UK Bond Network (bonds)

Downing Crowd (bonds)

Lending Works





Read our coverage of the IFISA in the articles below:

Folk2Folk opens transfers in for IFISA

10th January 2018 Ryan Weeks

The branch-based peer-to-peer lender’s IFISA had previously been open only to existing investors.   Secured peer-to-peer platform Folk2Folk is attempting to expand access to its Innovative ...

The House Crowd granted full authorisation

8th January 2018 Ryan Weeks

Property peer-to-peer lender gets the green light, paving the way for the launch of its IFISA.   The House Crowd has joined the ranks of the fully authorised. The company, which claims to be ...

IFISA first-mover Crowd2Fund kicks off £30m fundraise, eyes £1bn valuation by 2022

8th January 2018 Ryan Weeks

The company’s lenders have already invested £1.5m in an overfunded offering.   Crowd2Fund has embarked on an ambitious series of fundraises that it hopes will see £30m raised ...

Assetz Capital launches IFISA wrapper

19th December 2017 Ryan Weeks

Secured peer-to-peer lender launches IFISA for all automated investment products.   There are now three new Innovative Finance ISA products on the market, with more to follow, courtesy of Assetz ...

Goji gears up for IFISA Season with new hires and board members

18th December 2017 Daniel Lanyon

The expanded team will enable product expansion as well aiding it to build out its distribution channels.     Goji has announced the first members of its advisory board and made a number ...

RateSetter launches countdown for 2018 IFISA

1st December 2017 Emily Nicolle

The peer-to-peer lender has announced its plans to launch its IFISA before the end of the current tax year.   RateSetter has now confirmed that it expects to launch the new product in February ...

IFISAs make up 30% of Downing Crowd’s investments

30th November 2017 Daniel Lanyon

Approaching ISA Season, firms are looking to scale up their IFISA propositions as investors turn to inflation beating strategies.      Crowdfunding platform Downing Crowd has seen ...

Assetz Capital announces IFISA launch date, to include manual lending

30th November 2017 Emily Nicolle

The peer-to-peer lender has met its Q4 launch target, and is beating expectations.   Set to launch in December 2017, Assetz’s Innovative Finance Individual Savings Account (IFISA) will ...

RateSetter intends to launch IFISA before new tax year

18th October 2017 Ryan Weeks

Newly authorised peer-to-peer lender publishes short update on Innovative Finance ISA plans.   At long last authorised by the FCA yesterday, RateSetter is now free to launch its IFISA offering, ...

Secured P2P lender Assetz Capital gets authorised

5th September 2017 Ryan Weeks

Assetz eyes Q4 IFISA launch after receiving full authorisation.   Assetz Capital’s wait is finally over. After nearly two years of labouring under interim permissions, the secured P2P ...

ThinCats anticipating “significant” IFISA demand ahead of launch

29th August 2017 Daniel Lanyon

The platform announced that it had received full FCA authorisation earlier this month and has been getting to work on its IFISA launch.   UK peer-to-peer lending platform ThinCats is poised ...

Octopus Choice launches IFISA amid “impressive demand”

9th August 2017 Daniel Lanyon

The firm is aiming to target financial advisers interested in the tax-efficient wrapper for P2P lending.      Octopus Choice, the peer-to-peer (P2P) lending arm of Octopus Investments, ...

ThinCats gains full FCA authorisation, plots IFISA launch

8th August 2017 Daniel Lanyon

ThinCats has become the latest fintech lending firm to be granted full authorisation by the Financial Conduct Authority. This, the firm says, highlights the developing the alternative finance industry ...

Asset-backed peer-to-peer lender launches IFISA

28th July 2017 Ryan Weeks

Ablrate joins the Innovative Finance ISA club a few months after its authorisation.   There’s a new peer-to-peer ISA on the market. Asset-backed lending platform Ablrate has just launched ...

Branch-based peer-to-peer lender launches IFISA

10th July 2017 Ryan Weeks

Folk2Folk touts “Local” ISA, allowing investors to back local businesses tax-free.   Folk2Folk, a peer-to-peer lender that's renowned for operating a branch network, has launched ...

P2P lender Kuflink launches property-backed IFISA

3rd July 2017 Ryan Weeks

Peer-to-peer platform with skin-in-the-game offering enters the IFISA market.     Kuflink, a property-backed peer-to-peer lending firm, has launched its Innovative Finance ISA, advertising ...

Peer-to-peer lending giant Zopa confirms £32m fundraise

1st June 2017 Ryan Weeks

Zopa scoops £32m in a new investment round led by Indian conglomerate Wadhawan Group, as it looks ahead to bank-build.   Zopa, the UK’s original peer-to-peer lending platform, has ...

Zopa announces IFISA launch date, will retire Safeguard

25th May 2017 Ryan Weeks

With full authorisation in hand, peer-to-peer lender Zopa looks to revamp product set.     Zopa, the world’s original peer-to-peer lending platform, has announced a launch date for ...

Authorisation frenzy: Secured and insured P2P lender gets go-ahead

24th May 2017 Ryan Weeks

Business lending platform ArchOver joins the ranks of the fully authorised.   ArchOver, the secured and insured peer-to-peer lending firm, has been granted full authorisation by the regulator.   The ...

UK’s biggest peer-to-peer lender Funding Circle granted full authorisation

24th May 2017 Ryan Weeks

Small business lending marketplace Funding Circle given go ahead by regulator after 18 month wait.   Funding Circle, the world’s original peer-to-peer/marketplace lender for small business ...

Golden opportunity? Precious metal-secured peer-to-peer lender gets authorised

18th May 2017 Ryan Weeks

Lend & Borrow Trust Company granted full authorisation by regulator.   There’s a new business model among the ranks of the fully authorised peer-to-peer lenders. Lend & Borrow ...

World’s first peer-to-peer lender gets full authorisation

11th May 2017 Ryan Weeks

Zopa granted full authorisation by FCA, plans IFISA launch.   The deadlock is broken. Roughly 18 months after submitting its application for full authorisation as a peer-to-peer lender, Zopa ...

Flender is granted its P2P credit license

2nd May 2017 Lisa Walls-Hester

Peer-to-peer friends and family lender, Flender announced it has now received its full authorisation from the FCA and has also launched operations in Ireland.   Flender claims to be the first ...

New P2P lender with skin-in-the-game gets full authorisation

28th April 2017 Ryan Weeks

Property lender Kuflink gets full authorisation, plans IFISA launch.   Kuflink, a platform giving investors access to property loans, has received full authorisation from the FCA. The firm ...

FCA consultation paper on crowdfunding delayed by snap election

27th April 2017 Ryan Weeks

Regulator pushes back plans to update peer-to-peer lenders and crowdfunders on new rules.   Those waiting for further clarity on the FCA’s proposals for the crowdfunding industry will ...

Peer-to-peer lender FundingSecure launches IFISA

19th April 2017 Ryan Weeks

Asset-backed consumer lender launches tax-free investments.   FundingSecure, a fully authorised consumer lending platform, has launched its Innovative Finance ISA product after receiving approval ...

CapitalRise raises £1.2m from IFISA investors in less than a week

6th April 2017 Lisa Walls-Hester

CapitalRise has funded its latest property development deal in just under a week, raising £1.2m from investors. The capital will be used to partially refinance its latest residential development, ...

Property Crowd launches IFISA with target returns of 7-10%

22nd March 2017 Ryan Weeks

New property backed Innovative Finance ISA offering hits market as tax deadline looms.   Property Crowd, a cross-border real estate crowdfunding platform, has launched its Innovative Finance ...

CapitalRise offers investors first property IFISA as tax year-end edges closer

13th March 2017 Lisa Walls-Hester

CapitalRise says it is the first investment platform to offer savers access to prime residential property investments through an IFISA and targets potential returns of 10-14 per cent on its London property ...

P2P lender LendingCrowd launches IFISA

9th February 2017 Daniel Lanyon

The Edinburgh-based platform is now offering investors the IFISA tax-wrapper for its lending products .     LendingCrowd has launched one of the first Innovative Finance ISAs (IFISA) ...

Goji calls on P2Ps to get moving on IFISA as tax cut-off looms

23rd January 2017 Ryan Weeks

Goji to launch IFISA services for four fully authorised peer-to-peer platforms, including Landbay and UK Bond Network.   Goji, a specialist investment portal for the P2P lending space, has ...

IFISA – A tool for the Government to protect the UK economy in turbulent times

4th July 2016 Chris Hancock

In April of this year Crowd2Fund became one of just a handful of platforms to launch the Government’s new and innovative IFISA product. With £79 billion of liquidity at stake, the amount of ...

Lending Works Sees Strong IFISA Demand

21st April 2016 Ryan Weeks

Insured P2P lending outfit Lending Works is seeing strong demand for the Innovative Finance ISA among its investors, and may also have cracked the problem of multi-platform IFISA investment.    Lending ...

IFISA Goes Live

6th April 2016 Guglielmo de Stefano

After much anticipation the new Innovative Finance ISA goes live today and will, for the first time, allow peer-to-peer lending investments to be held within the ISA wrapper. But will IFISA investors be ...