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

DDF Property Bond - Series One

Interest rate:
4.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the Downing Development Finance Group at 4.5% p.a. for up to one year, maturing on 20 August 2019. The Group makes property loans secured on a first-charge basis and has a loan portfolio of £38 million spread over 14 loans as at 30 June 2018.

Raised so far: £0.78M

£0.2M
£5M
Minimum
Target
Raised £783625 towards a target of £5000000

DDF Property Bond - Series Two

Interest rate:
5.5% p.a.
Register
online
Asset
backed
This is an opportunity to lend to the Downing Development Finance Group at 5.5% p.a. for up to two years, maturing on 20 August 2020. The Group makes property loans secured on a first-charge basis and has a loan portfolio of £38 million spread over 14 loans as at 30 June 2018

Raised so far: £2.06M

£0.2M
£5M
Minimum
Target
Raised £2063064 towards a target of £5000000

Populo Solar Bond

Interest rate:
4% p.a.
Register
online
Asset
backed
This is an opportunity to lend to Populo Energy Limited, a company that owns a portfolio of 6.9MW of operational solar arrays in the UK. This asset-backed Bond will offer investors a chance to earn 4% p.a. over a period of up to 16 months.

Raised so far: £2.24M

£0.1M
£3.25M
Minimum
Target
Raised £2237386 towards a target of £3250000

Bagnall Energy 7-day Access Bond

Interest rate:
3% p.a.
Register
online
A new 7-day Access Bond from Bagnall Energy offering a fixed rate of 3% p.a. with a flexible term. Bagnall Energy makes investments into energy infrastructure such as solar, wind, anaerobic digestion and reserve power.

Raised so far: £0.86M

£0.1M
£2.5M
Minimum
Target
Raised £863720 towards a target of £2500000

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%.

Raised so far: £0.5M

£0.5M
£2M
Minimum
Target
Raised £500674 towards a target of £2000000

Magnus Care Home Bond

Interest rate:
7% p.a.
Register
online
Asset
backed
Invest in Magnus Care Group, a company focussed on developing residential care homes for the elderly. Earn 7% p.a. over a 4-year term, and a share of the potential upside on exit - giving a combined target IRR of 10%.

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.