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What can we help you with?

Lenders/Investors
Is Share Credit regulated?
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Share Credit Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference Number: 719365)
Who can join the ShareCredit platform?
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You must be over 18 and you must complete our Anti-Money Laundering checks.
How do I join?
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Signing up is simple. To open an account and start lending or investing, please click on Join.
What fees does ShareCredit charge lenders and investors?
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None. We do not charge you anything for lending or investing on our platform.
How do I transfer funds into my ShareCredit account?
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It is easy to transfer funds into your dedicated client money account. You can transfer funds into your account either via direct bank transfer or using a debit card. ShareCredit does not accept payments via credit card.
Where is my money held?
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To comply with the Financial Conduct Authority Client Money Rules, your money is held in a segregated bank account, which separated from ShareCredit’s own account.
What is the minimum/maximum investment?
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The minimum investment is £10. There is no maximum investment. However, restricted retail investors cannot invest more than 10% of their net assets.
Can I resell my business loan or loan part?
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Business loans and loan parts can be sold through the ShareCredit secondary market at any time subject to demand from other investors.
What is the secondary market?
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The secondary market is where you can buy and sell business loan and loan parts from and to other lenders on the platform.
How do I transfer money out of my ShareCredit account?
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You can transfer money out of your ShareCredit account back into your bank account by clicking on ‘Transfer Out’ on your dashboard and following the instructions.
Will my returns be taxed?
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Returns from lending on ShareCredit are currently paid without any tax being deducted. If you are lending as an individual and are a UK taxpayer you should declare any interest and gains to the HM Revenue & Customs on a self-assessment tax return or inform your local tax office.
What happens if ShareCredit goes out of business?
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In the unlikely event that ShareCredit should go out of business, Resolution Compliance, authorised and regulated by the Financial Conduct Authority (No. 574048) and a limited company registered in England & Wales( No. 07895493) will take over the day to day running of the platform.
Is ShareCredit covered by the Financial Services Compensation Scheme (FSCS)?
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Your monies are held in a segregated client account. Your investments are not covered by FSCS, however your deposits will be.
How do I make a complaint?
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Should you have any concerns, queries or complaints, please contact ShareCredit’s customer services team on support@sharecredit.co.uk or refer to the complaints section.
Issuers/Borrowers
Is ShareCredit regulated?
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Share Credit Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference Number: 719365)
What are the criteria for borrowing through the ShareCredit platform?
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Companies must be a registered company in a country that does not prohibit the use of the ShareCredit platform and must satisfy our ‘Know Your Customer’ (KYC) and ‘Anti Money Laundering’ (AML) checks, and pass our due diligence test. Individuals must be at least 18 years old, must be resident in a country that does not prohibit the use of the ShareCredit platform, must satisfy our ‘Know Your Customer’ (KYC) and ‘Anti Money Laundering’ (AML) checks, and must pass our due diligence test.
How do I join?
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Signing up is simple. To open a business account and start our application process, please join here
How do I apply to raise funds?
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Once you have set up an account. Go to the ‘Start Application’ section of your dashboard and follow the instructions.
What fees does ShareCredit charge?
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For business loan and loan offerings, issuers will be charged an arrangement fee and an annualised service fee. For share issues, ShareCredit will typically charge a success fee on the total amount raised.
Is there a minimum amount I can borrow?
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Providing all checks are passed and ShareCredit’s credit risk criteria are satisfied, business borrowers can borrow from a minimum of £25,000 and individual borrower can borrow from a minimum of £500.
How long can I borrow money for?
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Generally you can borrow money for as short a time as one month and for as long as five years. For buy-to-let mortgage, the tenor is up to 25 years (the age of the borrower plus the maximum loan tenor should be less than 70 years).
Can I pay back a loan early?
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Yes, and there are no associated charges or fees. You must pay back the full amount of the loan plus any interest due for the duration you had the loan. This does not apply to buy-to-let mortgages in which any amount can be paid back early without penalty.
How do I make a complaint?
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Should you have any concerns, queries or complaints, please contact ShareCredit’s customer services team on support@sharecredit.co.uk or refer to the complaints section.
What happens if I miss a repayment?
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If you miss a payment, ShareCredit (or an agent acting on its behalf) will contact you to find out what the problem is. You may also be charged a late payment fee, which is outlined in your specific loan agreements. If you do not fully pay within 90 days of the repayment due date, the loan will be placed into default. A default notice and a termination notice will be issued and you will be pursued for the total loan amount outstanding and any payments due. Defaulting on a loan has adverse effects on your credit history, which may cause you future problems. We will endeavour to give you at least 28 days notice before the loan defaults, however this may not always be possible.

Share Credit Limited is registered in England and Wales (No. 09540341) with a registered address: 18/F, 40 Bank Street, London, E14 5NR. Share Credit Limited is authorised and regulated by the Financial Conduct Authority (FCA Reference Number: 719365)

Risk Warning

Investing or lending through ShareCredit lending platform involves significant risks, and before you are able to invest through ShareCredit we need to make sure that you fully understand them and have the experience to make informed investment decisions.

Your capital is at risk if you lend to business and individuals and P2P lending is not covered by the Financial Services Compensation Scheme. There is a risk that business or individuals may default and that the loan won’t be repaid. Share Credit is targeted at investors who understand these risks and make their own investment decisions. Share Credit does not give investment advice or provide analysis or recommendations regarding investment opportunities. Investments can only be made by members of Share Credit on the basis of information provided. Share Credit takes no responsibility for this information or for any recommendations, opinions or predictions. Please click here to read the full risk warning.

This website has been approved as a financial promotion by ShareCredit Limited.