To become a member of CapitalStackers and participate in deals posted on the platform you will need to certify your competence and ability to invest by meeting one of the criteria in Part 1 or Part 2, below
At least one of the following criteria must apply to you, as defined in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.
Certified High Net Worth Individual
During the financial year immediately preceding certification, you had an annual income to the value of £100,000 or more, or;
You held, throughout the financial year immediately preceding certification, net assets to the value of £250,000 or more. Net assets for these purposes do not include:
the property which is your primary residence or any loan secured on that residence; or
any rights under a qualifying contract of insurance within the meaning of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001; or
any benefits (in the form of pensions or otherwise) which are payable on the termination of service or on death or retirement and to which you (or your dependants are), or may be, entitled.
Self-Certified Sophisticated Investor
You are a member of a network or syndicate of business angels and have been so for at least the last six months prior to certification; or
You have made more than one investment in an unlisted company in the two years prior to certification; or
You are working, or have worked in the two years prior to certification, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; or
You are currently, or have been in the two years prior to certification, a director of a company with an annual turnover of at least £1 million.
If you are neither a Certified High Net Worth Individual nor a Self-Certified Sophisticated Investor you must certify that you understand the risks associated with property development and investment; that you have the necessary funds to participate; and that you will seek advice from your Independent Financial Advisor as and when appropriate.
CapitalStackers is authorised and regulated by the Financial Conduct Authority as a peer to peer lending platform.
Peer to peer lending platforms are not recognised under the Financial Services Compensation Scheme and you have no right to seek compensation thereunder.
You could lose your investment and CapitalStackers recommends you seek advice from someone who specialises in advising on investments of this nature.