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What is the Innovative Finance ISA?

  • The Funding Circle ISA is an Innovative Finance ISA, which allows individual investors to earn tax-free returns by lending directly to businesses
  • Every tax year investors will have a subscription limit which they can split across a Cash, Stocks and Shares, Lifetime and Innovative Finance ISA
  • The ISA account will operate in the same way as a Classic account, however any interest earned from loans held within an ISA account will not be subject to UK income tax
  • Please note that this tax treatment may change in future, and for advice on your own tax position please contact HMRC or an independent financial advisor
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