Crowd Bonds

Invest in crowd bonds through our preferred partner, Downing. With conventional bond yields at record lows, more people are looking for alternative sources of income. Crowd bonds offer a fixed rate of interest, repayment on a predetermined date, and they may be secured against specific assets such as property.

EQ has selected Downing as our preferred partner for crowd bond offers. Downing is a long-established investment manager that is regulated by the FCA and has over 30 years’ investment management experience. Downing brings that experience when selecting these opportunities for it’s customers to invest in.

Downing acts as the arranger and security trustee for the bonds.

By clicking on any of the offers below, you will be automatically directed to the specific EQ page on the Downing Crowd website, where you can create an account and make investments.

EQ will receive a small commission for these investments from Downing. This does not affect your return.

Key benefits of Downing Crowd Bonds:

  • Fixed rates of return
  • Terms of 1-3 years
  • Investments are secured against assets and cash flows.

Current offers

Pelham House Bond

Interest rate:
7.5% p.a.
Register
online
Asset
backed
A company acquiring and converting a Grade II* listed hotel into an exclusive-use wedding venue. The investment comprises a fixed return of 7.5% p.a. with a share of potential upside on exit, targeting an annualised return for the investment (IRR) of c. 10%.

Closed

DDF Property Bond - Series Three

Interest rate:
6% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for up to three years at 6% p.a.. The Group has a loan portfolio of over £52 million spread across 21 developments and has raised over £5.5 million of debt across the bond programme as at 22 February 2019.

Closed

Hero of Maida Pub Bond

Interest rate:
6.5% p.a.
Register
online
Asset
backed
Opportunity to invest in a 6.5% p.a. fixed rate bond for a term of up to two years. Your investment is secured on the bricks and mortar of the Hero of Maida, a freehold gastropub in Maida Vale.

Closed

DDF Property Bond - Series Four

Interest rate:
4.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for up to one year at 4.5% p.a. The Group has a loan portfolio of over £52 million spread across 21 developments and has raised over £5.5 million of debt across the bond programme as at 22 February 2019.

Closed

DDF Property Bond - Series Five

Interest rate:
5.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for up to two years at 5.5% p.a. The Group has a loan portfolio of over £52 million spread across 21 developments as at 31 January 2019 and has raised over £5.5 million of debt across the bond programme as at 22 February 2019.

Closed

Pulford 7-day Access Bond

Interest rate:
3% p.a.
Register
online
A 7-day Access Bond from Pulford Trading Ltd with a fixed rate of 3% p.a. and a flexible term. The Borrower makes asset-backed investments in a number of sectors including care, leisure and real estate. The bond has a low LTV but is not secured.

Raised so far: £2.4M

£0
£5M
Minimum
Target
Raised £2400880 towards a target of £5000000

Magnus Care Home Bond Series Two

Interest rate:
7% p.a.
Register
online
Asset
backed
Invest in Magnus Care Group, a company with a growing portfolio of residential care homes for the elderly. Earn 7% p.a. over a term of up to 3 years + 6 months, and earn a share of the potential profits on exit of the portfolio, giving a combined target IRR of 10%.

Closed

Pulford 7- day Access Bond - Offer C

Interest rate:
3.2% p.a.
Register
online
A 7-day Access Bond from Pulford Trading Ltd with a fixed rate of 3% p.a. and a flexible term. The Borrower makes asset-backed investments in a number of sectors including care, leisure and real estate. The bond has a low LTV but is not secured.

New

Nerth Energy Bond

Interest rate:
4% p.a.
Register
online
Asset
backed
Nerth Energy Ltd owns and operates a 2MW portfolio of onshore wind turbines. The bond will be secured with a first charge over Nerth’s assets. Nerth plans to use the capital raised to grow its renewable portfolio over the coming year.

Raised so far: £2.52M

£0.25M
£5M
Minimum
Target
Raised £2519188 towards a target of £5000000

Pulford 7- day Access Bond - Offer B

Interest rate:
3.1% p.a.
Register
online
A 7-day Access Bond from Pulford Trading Ltd with a fixed rate of 3% p.a. and a flexible term. The Borrower makes asset-backed investments in a number of sectors including care, leisure and real estate. The bond has a low LTV but is not secured.

New

Nerth Energy Bond - Offer B

Interest rate:
4% p.a.
Register
online
Asset
backed
Nerth Energy Ltd owns and operates a 2MW portfolio of onshore wind turbines. The bond will be secured with a first charge over Nerth’s assets. Nerth plans to use the capital raised to grow its renewable portfolio over the coming year.

New

DDF Property Bond - Series Six

Interest rate:
5.25% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for up to six months at 5.25% p.a. The Group has a loan portfolio of over £52 million spread across 21 developments as at 31 January 2019 and has raised over £5.5 million of debt across the bond programme as at 22 February 2019.

New

Bagnall 7-day Access Bond

Interest rate:
3% p.a.
Register
online
A new 7-day Access Bond from Bagnall Energy Ltd with a fixed rate of 3% p.a. and a flexible term. The Borrower makes investments into energy infrastructure such as solar, wind, anaerobic digestion and reserve power. The bond has a low LTV but is not secured.

Raised so far: £0.99M

£0.1M
£2.5M
Minimum
Target
Raised £992858 towards a target of £2500000

Bagnall 30-day Access Bond

Interest rate:
3.2% p.a.
Register
online
A new 30-day Access Bond from Bagnall Energy Ltd with a fixed rate of 3.2% p.a. and a flexible term. The Borrower makes investments into energy infrastructure such as solar, wind, anaerobic digestion and reserve power. The bond has a low LTV but is not secured.

Raised so far: £3.3M

£0.25M
£6M
Minimum
Target
Raised £3300000 towards a target of £6000000

DDF Property Bond - Series Seven

Interest rate:
4.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for one year at 4.5% p.a. The Group has a committed loan portfolio of over £82 million spread across 28 developments as at 30 June 2019 and has raised over £17 million of bond finance.

Open for reservation

DDF Property Bond - Series Eight

Interest rate:
5.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for two years at 5.5% p.a. The Group has a committed loan portfolio of over £82 million spread across 28 developments as at 30 June 2019 and has raised over £17 million of bond finance.

Open for reservation

DDF Property Bond - Series Nine

Interest rate:
6% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the DDF Group for three years at 6% p.a. The Group has a committed loan portfolio of over £82 million spread across 28 developments as at 30 June 2019 and has raised over £17 million of bond finance.

Open for reservation

Risk warning

Capital is at risk and returns are not guaranteed. Crowd bonds are not covered by the Financial Services Compensation Scheme. They are typically issued by smaller, unquoted companies. They are illiquid investments: there is no secondary market and the bonds are not readily realisable.

EQ is not offering advice on the selection of the bonds and the decision as to whether they are suitable is entirely down to you.

What do I do next?

These investments are exclusively available to members of the Downing crowd bond platform.

When you are ready to invest – select the investment from the offers above and then:

  1. Complete the account opening form on the Downing platform. This will include a declaration of what type of investor you are and Downing will need to check you understand the risks
  2. View the bond offer document, paying particular attention to the fees and taxation.
  3. Place your investment reservations
  4. Downing will then complete the necessary ID checks – they may need to ask you for further information at this stage for ID purposes.

What happens when the full amount has been raised?

If the target of the bond or the tranche has been reached it will be closed for further investment. Investors then have a cooling off period of 14 days, during which Downing will complete the bond certificates and security agreement with the borrower on your behalf.

At the end of the 14 day cooling off period the funds will be transferred to the borrower and a digital copy of your bond certificate will be emailed to you and made available in your Downing account. From this point, your investment will start to earn interest.

Over the term of the investment, Downing will provide you with updates on your interest payments.

At any time, you can log in to your Downing account and see a record of your investments and also review new offers as they become available.

How do Downing charge?

Downing ensures to the best of its ability that all information is provided upfront. You can be confident of no hidden charges. Borrowers pay Downing a fee for the origination of the deal and carrying out the due diligence, risk assessment and the preparation of the documentation.

Downing receive an annual monitoring fee that is contingent on investors having been credited with the capital and interest in full on repayment of the bond.

Transfers carry an administration fee if £25. This fee is not charged where the bond holder is deceased.

All fees are exclusive of VAT where applicable.