1.Complete your profile at  www.p1capitalpartners.co.uk  This will include telling us what type of investor you are, and us checking that you have understood the risks.   

2.Place your order for the Bonds   

3.We will then complete the necessary ID checks  (We might need to ask you for further information at this stage).  

4.Make your payment to the Client Money Account Payments are accepted by bank transfer.  As an investor you have a 14-day ‘cooling-off period’ from the date of your order, during which time you are able to withdraw your investment.  When the tranche closing date is reached, we will complete the paperwork and security agreement with the Borrower on your behalf. This process normally takes up to a week and we will not transfer funds until we have the signed security agreement.  Bond Certificates are then issued and this is when you could start to earn interest. You can download a digital copy of your Bond Certificate from your account on  www.p1capitalpartners.co.uk.

Payments of interest will be made to you after deducting tax equivalent to the UK basic rate of Income Tax (currently 20%) which we pay to HM Revenues and Customs. 

The exception to this any P1 CP Secured Bonds (“Bond”) that are held in an ISA, which means that any interest paid on the Bond would be tax free.  Investors who wish to use some or all of their ISA allowance to invest in this Bond can open an IFISA at www.p1capitalpartners.co.uk and transfer funds into that account before investing.  The annual allowance is currently £20,000 and you can also opt to transfer additional funds in from external ISAs from previous tax years. There is no limit on the amount of existing ISAs that can be transferred into your P1CP ISA.  Bonds can also be held in some SIPP and SSAS wrappers, provided they accept non-standard assets (the Bonds are regulated but not listed, so are classed as non-standard assets). If you would like to invest through a SIPP or a SSAS wrapper, please contact the P1CP team and we will be happy to help with the approval and investment process.  If this Bond is held by an individual or trust outside of an IFISA wrapper or in a SIPP or SSAS it will have income tax deducted at source, details of which will   be available at the time interest is paid and annually.  

Investors are responsible for their own tax reporting. Please note, terms and conditions apply and tax treatment depends on the individual circumstances of each investor.

Lending Market - Demand for UK short-term lending in the property market has grown from around 0.9 billion in Sept 2012 to an estimated £4.3 billion in June 2017.  Historically, this demand was met primarily by traditional banks supported by alternative lenders.  Many traditional banks have tightened their underwriting requirements for short-term lending and are focused on building capital reserves.  The approval process and lending criteria of the banks that remain in this market is generally slow and bureaucratic.  Specialist alternative lenders like P1CP have a robust and streamlined lending process.  We are able to reach decisions within days enabling borrowers to proceed quickly.   

Housing Shortage - It is estimated the UK needs to build 340,000 new homes per annum until 2031 to meet the current housing shortage.  The Government is attempting to encourage developers to build more homes by improving the planning process and introducing incentives such as the Help to Buy scheme.  P1CP works with small developers (defined as under 10 million development value) to provide financing solutions.

People resident in the United Kingdom who are either a "Certified High Net Worth Individual" or "Self-Certified Sophisticated Investor" (as these terms are defined in The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended)). You must not participate in the New Fundraise or make any other investments via the Company's website if you do not meet any of these criteria and you must not complete the online registration process as an 'INVESTOR'.

We want to give you superb customer service but sometimes things might go wrong. We can usually resolve most issues straightaway, so please email us on [email protected] or call us on +44 20 3858 7175 to tell us how we can help. What you'll need to tell us so that we can help you:

• Your personal details,
• What's gone wrong and
• What you want us to do to put things right.

We'll be in touch with you as soon as we can and let you know what will happen next. We'll try to resolve your complaint within 3 working days of receipt - if we're unable to do this we will write to you acknowledging that we have received your complaint and the next steps that will be taken. For more complex issues it's likely that we will need longer to look into what's happened and we may ask you for further information to help us reach a decision. We'll give you regular updates. And once we've dealt with your complaint, we'll go back and see what we can learn from your experience. If you're unhappy with the outcome UK Residents can ask the Financial Ombudsman Service (FOS) to carry out an independent review of your complaint. In any event, you have the right to ask the FOS to review your complaint if we've been unable to resolve it within 8 weeks. The FOS can help UK residents with most complaints if you are:

• A consumer
• A business employing fewer than 10 persons that has an annual turnover that doesn't exceed €2 million
• If you are unsure whether the FOS will consider your complaint, please contact them directly for advice. The service the FOS provides is free and impartial and contacting them at any stage of your complaint will not affect your legal rights. The contact details for the FOS are:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Their phone numbers are +44 (0)300 123 9123 or +44 (0)800 023 4567.You can send an email to: [email protected]