How it Works

Through our Innovative Finance ISA (IFISA), rebuildingsociety.com offers lenders the opportunity to lend to businesses, without paying personal taxes on returns made.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

ISAs have constituted a trusted saving and investment method for several years. We are now giving you the opportunity to combine an ISA with peer-to-peer lending. With your IFISA account, you can continue to lend to and support British SMEs on our FCA-authorised peer-to-business lending platform, without paying personal taxes on returns.

You can choose how much to lend, from £10 up to the legal annual limit; transfer to and from other ISAs as you wish; make your own decisions; and access your capital on the Secondary Marketplace. Simple and straightforward, the IFISA process requires the transferral of bank funds or ISA holdings, which can then be used as normal, through the rebuildingsociety.com marketplace.

It couldn’t be easier.

Open an ISA or Transfer an ISA
  • 1
    Open an account
    It’s a fast, simple online process
  • 2
    Add funds
    Transfer funds to our seggregated bank account
  • 3
    Track your activity
    Monitor all account movement on your dashboard

Access Your Money

We understand that at times you may need to access your IFISA funds; we allow you to do this at any time. If you have an Available Balance, you can withdraw this, and the funds will be returned to you within 48 hours. If all of your funds are employed in loans, you can choose to sell your micro loans on the secondary market to liquidate funds.

You should be aware that the speed with which you are able to liquidate your micro loans on the secondary market is demand-led; we cannot guarantee a time period in which they will be sold. Sales are subject to a 0.5% fee.

Understand the Risks

Peer-to-peer lending involves you lending your capital to businesses in return for a fixed rate of interest agreed at the time of the lending commitment. Businesses may default on their payment commitments to you and as such, you may lose some or all of your capital.

We are not covered by the Financial Services Compensation Scheme (FSCS). If you are unsure whether lending through an IFISA is right for you, you should seek independent financial advice. For more information please visit http://reb.so/risk

Fees

There is no charge for opening a new IFISA account, but a £40 applies for Transferring In and Transferring Out existing ISAs.

A commission fee of 0.1% of your loan portfolio value is payable on the first day of each month. This is calculated from the sum of your capital outstanding on your microloans plus your available balance. Microloans which have defaulted are excluded. Fees are not charged to lenders where their Net Return is less than 2%

For more information please visit our Fees Page.

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