What is ArchOver’s Investment Plan?
As an alternative to our Lenders investing on a loan-by-loan basis and having the choice as to which loans to invest in, our Investment Plan offers our Lenders the opportunity to deploy funds across a portfolio of loans on an automated basis.
ArchOver’s Investment Plan provides a lower minimum threshold of investment and a potential higher rate of return than most traditional investments, all in a portfolio of business loans.
How it works
ArchOver’s Investment Plan is open to both Individuals and Institutions.
Our Lenders are able to deploy a minimum investment of £250 automatically across a portfolio of secured loans over a period of 26 months, with a return of up to 6.4% p.a.. Interest is paid monthly. IFISA funds can also be used in the Investment Plan.
How does ArchOver work?
ArchOver connects established UK businesses requiring finance with investors seeking a secure and favourable return.
Lending with ArchOver takes place over our secure online platform. Every loan listed on the platform has been pre-screened and verified by our experienced in-house Credit Team. The rate, loan term, loan security type and company details are listed with our Lenders making the final decision on which companies they would like to invest in. The minimum investment outside of our Investment Plan is £1,000, with loan terms varying from 3 to 36 months, and interest between 6% and 10% p.a. being paid monthly.
Benefits of the ArchOver Investment Plan
- Invest into a Portfolio of loans earning up to 6.4% p.a.
- Minimum investment of £250
- Receive interest monthly
- No set-up or other fees
- Rely on our strict credit criteria and monitoring
- Help established UK businesses grow
Joining an Investment Plan with ArchOver
To invest using the Investment Plan, you can pledge funds in the same way as you would to any project (loan) on our platform. Like other projects, this option will be available to select on your Investment Opportunities page, which can be found on your Personal Dashboard.
Risk Warning - Please Read
Lenders: Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform, 22 August 2014 to 15 November 2017. Borrowers: In the event of default ArchOver will seek to recover assets to the full value of the loan.
For more information about the risks involved please read the full Risk Warning.