Total transparency has always been a core function to us at CapitalStackers, but in the current climate, just like handwashing, this element of normal housekeeping takes on critical importance.

We’re fully aware that our investors will be looking to us to keep them informed as the COVID-19 crisis unfolds. Of course, detailed information has always been available in the individual deal rooms on the platform. But for those investors who may not go looking for this, there’s a chance they could miss important information.

So to be clear, we’ll be reporting even more regularly to you – both in general terms, and on a deal-by-deal basis. We’ll give you all possible detail on how conditions on the ground are affecting the specific projects that you’ve invested in.

Clearly, we can’t predict how things will pan out, but by continuing to give you regular, exhaustive progress reports on each project – both from the borrower, and from the independent surveyor – we hope to give you all the information you need to assess the ongoing safety of your investments.

If you’re investing through a pooled platform – across a variety of consumer and SME loans – your capital is more likely be affected in the immediate to short-term. If you’re able to, you might want to withdraw your funds quickly because the situation is volatile and information hard to come by, but this may no longer be possible.

On the other hand, when you lend direct on a property development scheme through CapitalStackers, the situation is going to be played out over a longer term (excepting projects where completion is imminent), so the need to move quickly is not quite so crucial.

Of course, you’ll want to keep a closer eye on the situation – but you’ll also have an ongoing, detailed rundown of every key element of the investment. As we say, this is available on the platform at all times, but over the coming months we’ll go further and interpret it more frequently so that you don’t miss a thing.

And while the current situation could never have been foreseen, our standard due diligence builds in some fairly significant downsides for every scheme because we have always felt it prudent to do so. This, therefore, leaves you a fair amount of headroom before the virus infects your capital.

For instance, if we’re (collectively) lending within our typical range up to a maximum 75% Loan-to-Value including interest, this means the sale price will have to fall by more than 25% from the appraised valuation before your capital is affected. However – this is also after we’ve allowed for potential construction delays, cost overruns and deferred sales.

That’s quite a lot of breathing time.

Then again, we’re not rejecting the possibility that property values could be hit hard in the coming months, but as you’d expect, we’ve considered this in our risk analysis too.

And without doubt, the most important thing you want to know right now is how all this could impact our deals, and your investments. We’re going to try to answer this question here, but please be aware that the answer will extend and adapt as the situation does.

 

What could the effects be?

This is new territory for everyone. The whole world has changed and seemingly changes again every time the sun comes up. Accurate prediction is nigh on impossible but here are our best conjectures about the immediate impact:

Project periods may need to be extended because:

  • Skilled labour supply might be reduced;
  • The supply chain could be interrupted;
  • Utility companies may decrease output or even go into self-imposed lockdown;
  • A blanket lock down on all sites could be imposed by the Government if on-site working practices on some sites fail to adhere to safe distancing rules.
  • Projects nearing completion will certainly be impacted by the current general lockdown. If people can’t view, they won’t be able to buy and so selling periods will become protracted.

We can expect longer construction periods to lead to increased costs and higher interest accrued through longer-than-anticipated loan terms.

In addition to the above, property values may fall due to a weaker economy.

These factors will eat into the profit margin and push up the Loan-to-Value ratio.

 

So what are we doing about it?

In short, we’re going through our daily downside sensitivity routine, but on steroids. We’re appraising each deal in the context of where it is now, assessing the possibility of a total construction lockdown, evaluating delays to construction and sales with interest continuing to roll up.

Through this exercise, we’re able to give you a progressive insight into how much values could fall before you are on risk.

Although the situation is unprecedented, we’re also able to draw from historical examples in our modelling, and this gives us some cause for optimism.

The last massive interruption to the market came in 2008 when the banking sector imploded and liquidity almost completely dried up. As you can see from the chart below, the market fell less than 20% in the eighteen months from the peak in September 2007 to the trough of March 2009. This, of course, is less than the minimum 25% headroom all CapitalStackers deals allow for.

Financial hygiene is even more important during the COVID-19 crisis

The banking sector at that time was less robust than it is now. Some banks collapsed, others simply pulled out – leaving the property sector in the lurch. It took a long time for the market to get back to where it was.

Today, banks have better capital ratios and their real estate exposure is significantly more conservative. The expectation and likelihood is that they will remain supportive while the market repairs itself, and that the repair should be quicker and more stable than last time.

So to summarise, as always, we’re maintaining close contact with our borrowers, senior debt providers, monitoring surveyors and estate agents – but everyone is on high alert and we’re fully aware of the increased importance of full and detailed information.

And as ever, we’re making ourselves fully available to investors. You’re used to that, of course, but now, more than ever, if you want to discuss the outlook either generally or specific to any deal, you’re welcome to call us at any time. Our contact numbers are below.

Please follow and like us:

Blog COVID-19 Investor News News Press Releases

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

If the recent, much publicised collapse of Lendy and FundingSecure has horrified you – and if it hasn’t, please don’t bother with our Investor Appropriateness Test – then spare a thought for the hapless investors of Estonia. The regulatory landscape in the former Soviet territory makes the Wild West look like Disneyland.

Increased scrutiny in the latter half of 2019 seems to have accelerated investors’ woes, with particular attention being drawn to two platforms – Kuetzal and Envestio.

Kuetzal’s management appears to be so bad it’s almost a parody. In December, Explore P2P reported that Kuetzal seemed to have lent €850,000 to a “fake” petroleum company with one employee and no trading history, most of whose website text seemed to have been copied and pasted from that of a Russian petrogiant.

It doesn’t take a particularly sophisticated investor to ask the question, “Where was the due diligence?” But that of course depends on whether there’s anyone to ask. The CEO, Maksims Reutovs, is a 24 year old former semi-pro tennis player and junior bank employee, who appears to have learned what he knows about the Estonian finance industry from his residence in Barcelona.

Those concerned about his commute, or how often Mr Reutovs is seen in the office, will not be reassured to learn that the answer is never. Because there isn’t one. The “office” photos are CGI images lifted from stock sites.

Fortunately, Mr. Reutovs’ staff don’t miss him, because there aren’t any of those either. Neither does his boss seem to be too concerned about his whereabouts, since he doesn’t actually have a contract of employment. Nor does he even appear to know who his boss is. Mr. Reutovs recently admitted he didn’t even know the full name of the owner, and had only had contact with the latter’s 29 year old wife. To whom he is not actually married.

And anyway, the CEO might be advised not to ask too many questions, since he only got the job after his predecessor and most of his family mysteriously disappeared.

Investigations by a vigilante group of investors have unearthed suspicions that the owner may be the convicted money launderer, Andrei Korobeiko, who coincidentally lives at the registered address of the company. Or it may be Eugene Koshakov, who apparently became the CEO of AA Development, the company that received Kuetzal’s biggest loan the day before the loan went live. Or it could be 24 year old Alberts Cevers, the previous CEO, who is, by coincidence, married to Evelina Cevers, who is listed as the official founder of AA Development…

Anyway, having almost found the owner, the question “where is the due diligence?” can be answered. There isn’t any. The company recently issued new terms and conditions to investors saying, ‘The Portal operator does not perform any due diligence of the borrower or project’.

So you’ll be getting the impression that transparency at Kuetzal is on the murky side of opaque. This state of affairs has led a particularly sharp-eyed official at their bank to freeze their accounts, citing money laundering issues. Not much gets past those Estonian bankers. Well, okay, a lot gets past them, but show them a made-up company with no offices, no staff, no contracts, no due diligence and no links to the owner and they’ll rumble the whole thing within…er…months.

For the last few months of 2019, Kuetzal maintained that it was still paying its investors out. However, how it was doing this without a bank account is yet another Estonian mystery.

Nevertheless, this charmed existence finally had to come to an end and on 12th January, Kuetzal closed its doors, owing millions to investors – citing “attacks” on its reputation, its bank accounts, and whatever else it could think of.

So the question must be asked – how can a P2P site have liquidity problems? In the UK, Investor funds are held in trust in a separate, protected bank account. If you want your money back, you simply request it, or if it’s already invested your loans at least have a value and you can seek to sell them on the secondary market.

But that’s not how Kuetzal and others conducted their business. They promised that for a small fee, you could cash out at any time. Which would be wonderful if they had any cash reserves, which they didn’t. And so faced with a situation when all the investors smelt a rat at the same time and headed for the exit, the company was found without its trousers.

The day Kuetzal claimed to be the victim of those “attacks” happened to be the day after they’d defaulted on a commitment to return funds to investors within 5 working days. The last lucky investor to get his money out of the tombola did so on 12th January 2020. So we’d suggest, although we can’t be sure, that these “attacks” were a smokescreen.

We’d like to say this is an isolated case, but we can’t. Another Estonian P2P scam platform, Envestio, shut down last week, having only launched in 2018 and holding €33m (£27.9m) of lender funds which would appear to have disappeared into thin air. Those with a strong stomach can google the details. A good place to start is here.

Now, while horror stories like this make the likes of Lendy and FundingSecure seem like angels, they in no way excuse their practices. But they serve, we hope, as a reminder to us all as investors to do our homework. We should all, before pledging a penny, be checking those vital questions: Who are the management? Where are they? What’s their area of expertise? What’s their track record? And most important of all – how transparent are they? Do you get regular, in-depth and consistent reporting, with independent corroboration? If the answer is no to any of these, sit on your hands.

And it’s also one good reason why Brexit is a good thing, for P2P at least. The EU has, in its schizophrenic wisdom, left financial regulation to its individual member states, in general allowed cross-border platforms to “opt-in” to licensing under European Crowdfunding Service Provider (ECSP) regulation, or to simply register in the country of their choice.

Given that roughly eleven countries have shown any application in this matter at all (Britain, France, Belgium and Germany proving the strictest, the Nordics wavering between very strict and “light touch” approaches and the rest of the member states on a sliding scale from partial regulation to absolute chaos), this opens the door to those operating across borders to pick their country in the way that pirate ships used to operate under flags of convenience (and I use the former term advisedly). They can effectively hurdle entry barriers and sidestep any form of governance, credit assessment, money handling, disclosure and complaints handling standards.

So whereas UK platforms seeking an FCA licence must subject themselves to the rubber glove treatment for many months – and rightly so – countries like Lithuania promise “fast, easy licensing” with a view to being up and running “within 30 days”. It beggars belief.

This is what leads to horror stories like those above. Without strict regulation, we invite unsavoury types to use P2P as a magnet industry for developing scams. If the EU allows platforms to solicit investments without appropriate regulation, who knows how many Kuetzals and Envestios there are? Until it’s too late.

We continue to support the FCA in weeding out the bad actors in the UK. However, we’re also confident that as the Lendys and FundingSecures fall by the wayside – and the new, tighter regulations squeeze out others – the FCA is getting it right.

And as long as we do get it right, P2P is a valuable and powerful cog in the world’s financial engine. So we hope the UK can continue to lead the way in financial product innovation and regulation, and carry a torch and set the standards for the rest of Europe to adopt.

Please follow and like us:

Blog

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

Investors hungry for more double- digit returns pounced on the latest opportunity from CapitalStackers – a block of 23 flats near Leeds City Centre.

CapitalStackers investors typically enjoy returns of between 10% and 15%, usually over periods of 12-24 months. The conservative Loan-to-Value (LTV) ratios, high level of due diligence and zero losses have attracted a wide range of investors, some putting in as little as £5000, many considerably more.

The Leeds development – called Abode – is a four-storey block of 15 two-bedroom flats and eight one-bedroom flats, bringing a return of 13.76% on an LTV of 68.4%. Prices range from £80K to £130K and interest has been sparkling, with six of the flats already under offer well before completion. In addition to first-time-buying single professionals and urban downsizers, the flats are also proving enticing to Buy to Let landlords with good demand and individual flat rentals ranging from £550 to £700 per month.

This is the second deal launched for the experienced developers, Demech Properties, by CapitalStackers. They’re also on site with 22 houses at Thorne due for completion in Autumn 2019 with 17 houses either exchanged, in legals or reserved.

Abode was already under construction when they approached the investment platform, looking for additional funding to meet additional costs and improve cash flow to enable more cost-effective employment of bricklayers.

Marc Black, a director of Demech said, “This kind of deal can be tough for developers to find funding for, as few investment establishments will deal with part-built schemes. However, since we already have a strong relationship with the team at CapitalStackers, they used their considerable property experience to assess the risks and we were happy to meet their ancillary demands.”

CapitalStackers considered the construction risk to be greatly reduced since the building is already up to the 3rd floor and all externals are complete.

The developer expects the project to be fully sold out by March 2020.

Please follow and like us:

Blog Deals Investor News News Press Releases

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

CapitalStackers investors were invited to benefit from the refinancing of a popular ongoing project, which was already at an advanced stage of construction, with practical completion scheduled for May 2019.  

The original auction for the Boothferry Road development in Hesslewest of Hull city centrewas sold out in 24 hours, with investors bidding returns between 11.07% and 14.45% for Loan-to-Values of 63.3% and 69.8%, respectively. 

Hampshire Trust Bank  the senior debt provider – had increased their facility to cover cost increases caused by:  

  1. bad weather – necessitating deeper foundations and a temporary road, and 
  2. cost inflation for materials and labour. 

Of course, cost increases are never ideal, but we regarded these as fair. However, the developer wished to access additional working capital and restructure the funding to allow them to expedite the second phase and take advantage of the current, very positive sales momentum.  

In considering their approval, CapitalStackers’ risk assessors were impressed by the experience of the team (Craig Swales and Steve Vessey Baitson of Applemont), and the high level of reservations on the houses (mainly from first-time buyers with no chain).   

Applemont is an experienced player in housebuilding and general construction around East Yorkshire and Hull. Their knowledge of the Hull owner occupier market is sound – and clear evidence of this is shown by the keen early sales interest in the Hessle scheme.  

Eleven reservations have been taken on the fifteen new houses in the first phase and, of these, only one purchaser has a house to sell. Among the initial purchasers are seven first time buyers and six have paid a reservation fee. Six viewings over a recent weekend suggest ongoing demand for the scheme.  

The agreed sales prices already exceed the Savills valuation by £27,500 and currently stand at £2,057,500 in aggregate 

Craig Swales of Applemont said of the new deal, “It’s fantastic for a small developer to have this facility and flexibility. The ability to refinance on the move gives us much-needed agility in a fast-changing world and CapitalStackers make it so easy to adapt our scheme and raise the right money when needed”. 

Please follow and like us:

Blog Investor News News

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

Berwyn View – the attractive and rewarding (for CapitalStackers investors) residential development in the pretty Cheshire village of Malpas – is moving forward with investors now funding Phase 2A of the development.  

Of the eight houses built in Phase 1 of the 22 unit development, five are already sold, two are complete and one is nearing completion (and under offer). Investors received annualised returns of between 10.70% and 15.62% in the nineteen months leading up to the refinance in August 2018. 

CapitalStackers orchestrated repayment of the first phase by refinancing with the original senior lender, RBS, enabling the developer to stay within RBS’s lending criteria and also free up some capital to start on Phase 2 infrastructure works. 

To say that the refinancing deal with this very talented developer was popular with investors would be an understatement – the new £810,000 loan for Phase 1B was fully subscribed in just 31 minutes! 

In parallel, CapitalStackers introduced Hampshire Trust Bank to provide the £1,456,000 senior debt for Phase 2A, and then invited investors to plug the funding gap of £275, 000. Within a Loan-to-Value range of 67% and 73%, these investors can expect returns of between 10.61% and 13.84%. 

The developer, Patrick Lomax, was equally happy  and effusive in his praise of the CapitalStackers process, saying, “Sylvia and Steve are just brilliant. Dealing with CapitalStackers is a very pleasant experience in what is by far the most difficult area of the construction business. They’re useful, helpful, informative and easy to talk to.” 

He went on to say, “It’s great that small construction firms have access to this kind of funding to get projects off the ground so that the big firms don’t get to dominate everything.” 

Please follow and like us:

Blog Investor News

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

CapitalStackers investors can look forward to a return of up to 14% from a development of nine luxury flats in an established and popular residential road in Solihull.Front Elevation

The project is the latest scheme by Avalanche Capital – the successful team that some will remember repaid investors early when their spacious Chessets Wood dwellings were built and sold ahead of schedule in December last year, paying annualised returns of between 9.8% and 13.8% after just 7 months.

This latest scheme is to be built on the site of a large, unoccupied dwelling which will be demolished to make way for spacious, well appointed 2 & 3 bedroom apartments ranged over three floors.

The construction finance of £2,025, 000 is being provided by NatWest and the developers are contributing £900,000 of their own funds, leaving a crowdfunding opportunity for CapitalStackers investors to raise £930,000. Investment bids are invited from as little as £5,000.

“Excellent” levels of profit are expected – the site has already seen a substantial rise in value following planning permission, and confidence is further enhanced by the appointment of John Shepherd Estate Agents (who have previously sold Avalanche developments at better than appraised values) as the selling agents.

Deal Infogram - St. Bernards Road by Avalanche CapitaWe have adopted a conservative figure of £5.8m pending formal valuation, which results in a respectable Loan-to-Value ratio of 55%. It’s worth noting the agent anticipates selling for around £6.3m.

Given the above factors, investor demand will be extremely high when bidding opens at noon on Tuesday 10th April – so if this sounds like the right sort of investment for you, please don’t miss out.

So that you’re ready to invest when the auction goes live, if you’re an existing member, you can familiarise yourself with the details of the deal now by clicking here. If you don’t yet have an account, you can sign up here.

Please follow and like us:

Blog Deals Investor News News

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

CapitalStackers has completed the drawdown of £1.36 million funding for a prestigious development of eight homes, in the pretty Cheshire village of Malpas. Work is expected to start on site later this month and two properties are already under offer at the asking price.

The P2P property lending specialist also successfully negotiated £1.58 million of senior funding from a major high street bank, on behalf of the developer Orchard House. The gross development value of the scheme is £5.1 million.

CapitalStackers’ investors now look forward to returns of between 10.7% and 15.6% per annum over the next 22 months with lending at Loan to Value ratios from 55% to 73%.

Steve Robson of CapitalStackers comments, “Investors were invited, at the back end of last year, to lend into three layers and choose their own level of risk and return. Many are repeat investors, some of whom benefited from returns of up to 22.5% last year on an office to residential conversion we financed in York, however some are new investors, keen to dip their toe into the P2P property lending market.

“They are attracted not only by the high level of returns available, but the transparency and ease of the deals. We now have 150 investors on the books and rising, plus an exciting development pipeline. There are opportunities still available in the Malpas deal through our secondary market.”

Patrick Lomax, Founder and Director of Orchard House comments, “I have been impressed with CapitalStackers detailed knowledge of the property industry and finance market. We dealt with an experienced and senior team who absolutely delivered to the brief and exceeded our expectations. They have access to a wide pool of potential investors and delivered within relatively tight timeframes. We spoke to a number of debt advisors but none came close to the same level of service and professionalism.”

The Orchard House development is only a short walk from the 18th century market town of Malpas, Cheshire – a friendly village community within commuting distance of Chester and Wrexham and close to the Ofsted outstanding Bishop Heber High School.

A number of listed buildings dotted around the immediate area (including the Grade 1 Church of Saint Oswald), lend the site a rare traditional charm. And since the developer has in-house design capability, each of the homes can be partially bespoke to the purchaser’s requirements, which has sparked early interest from buyers with plots already being reserved off-plan.

CapitalStackers investment opportunities appeal to a broad spectrum of investors, from conservatively positioned pension funds to those with a higher risk-and-reward appetite. The minimum investment is £5,000.

Please follow and like us:

Blog Deals News Press Releases

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477

If you were going to invest your life savings, your pension, your inheritance, you’d want to know it was relatively safe wouldn’t you?

Before you took the plunge, you would hope to weigh up the balance of risk versus return and make an educated and informed decision about where and with whom you invest? Do you play safe and potentially get a lower return or do you take a higher risk and reap the financial benefits faster?

This concept isn’t new of course – for centuries, people have taken perceived risks with their money. Some have struck gold, others have had their fingers burnt. And most have harvested returns somewhere in between!

In 2016, how do you make an informed choice and how important is transparency in this process?

We at CapitalStackers believe it is more important now than it has ever been. Investors are becoming more and more sophisticated and quite rightly, they demand transparency, whether investing £5,000 or £1 million.

Technology has also had a huge impact on the way people invest. Investors have direct and easy access to investor platforms and they should also have direct and easy access to any information necessary to weigh up risk and return. No matter how much you wish to invest, with whom or how experienced you are, transparency allows you to make a properly informed choice.

P2P lending and alternative finance companies are revolutionising the traditional banking and lending industries. According to the FCA, £2.7bn was invested on regulated crowdfunding platforms in 2015, up from £500m in 2013. But with change, often comes competition and uncertainty. Over the last few months there have been widespread calls for tougher regulation and control. Concerns predominantly focus on whether consumers understand the risk they are taking, especially those who are less experienced or knowledgeable.

There is also some confusion over the differences between the ‘pooled’ lending approach and direct peer-to-peer lending such as that arranged by CapitalStackers.  With pooled lending, investors are provided with only part of the picture such as headline risk parameters and no detailed financial information about any of the borrowers or the deals. The upside is that risk is often spread across the loan whole portfolio, but investors are entirely dependent on the platform’s management.

Direct lending such as that arranged by CapitalStackers means absolute transparency and decision making independent of the platform management. Investors choose both the deal and the loan amount – and they have access to detailed information on the specific risk and returns.

Recent press headlines airing concerns with the alternative investment sector, such as those made by Lord Turner, are only a generalisation and don’t reflect the diversity within the P2P market. There is a vast difference between investing in a tech start-up through an equity crowdfunding platform and secured lending against bricks and mortar, for example. At CapitalStackers, we only arrange loans to experienced developers, many of whom have already raised part of the funding requirement through a mainstream bank and gone through their independent due diligence process, as well as our own stringent checks. No investment is without risk, but those made through CapitalStackers are carefully analysed, managed and transparent.

We have always been open to scrutiny and detailed information is provided to our investors up front providing the same level of clarity on the deal as the bank and the developer have in assessing its viability. This transparency is the foundation upon which CapitalStackers is based and the reason why our investors continue to re-invest.

John Thornley, MD of Fairhurst Estates, has committed funds to a variety of property backed investments over many years in the commercial and residential property sectors. As well as investing directly he now also invests through CapitalStackers. As an expert in this sector he was pleasantly surprised by the amount of detailed financial information provided on the platform. “I literally had no further questions which is unusual. All the information I needed to make an informed decision was provided up front”

Please follow and like us:

Blog Investor News

CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.
Call us on: Office: 0161 979 0812 | Steve: 07774 718947 | Sylvia: 07464 806477