Whether you are an investor or a business owner, we aim to answer any questions you may have for us below. Please contact us if you have any further queries.
Who is CODE Investing?
CODE Investing is the leading marketplace for SME growth capital. Our alternative finance platform enables SMEs to raise capital through debt or equity, and investors to select vetted, high growth businesses to invest in. Since launching in the summer of 2013, we have successfully funded 51 companies, helping to raise over £84m.
Code Investing is a registered trademark of Code Investing Limited, a limited company registered in England and Wales (No. 07706111), with a registered office at 1st Floor, 9 Devonshire Square, London, EC2M 4YF.
In respect of its regulated activities, Code Investing Limited is authorised and regulated by the Financial Conduct Authority (No. 627852).
Is CODE Investing authorised by the Financial Conduct Authority?
In respect of its regulated activities, CODE Investing Limited is authorised and regulated by the Financial Conduct Authority (No. 627852).
How secure is it?
We take security very seriously at CODE Investing. Like many investment managers, we believe that the safest way of looking after your investments is to appoint a “custodian bank” to hold your money. Our custodian is called Global Custodian Services, using Santander.
GCEN holds your investments in a segregated account for added security and never lends your assets to third parties. This means that your investments are protected in the unlikely event that either CODE Investing or GCEN are declared bankrupt.
In addition, our site is protected to modern bank standards with 256-bit SSL encryption.
Business Owners FAQs
How do I apply to raise funds?
Are there any types of businesses that can’t be listed on Code Investing?
We won’t list any projects on CODE Investing that involve the production, sale, distribution, marketing or any other support for pornography, weapons or military defence.
How long does a project stay listed on CODE Investing?
A project stays listed for 90 days unless you withdraw it earlier or you hit your funding target.
Who can invest with CODE Investing?
How do I invest in a business?
You can find out more about investing with us, including the process for registering for an account here.
What type of company will I be investing in?
With CODE Investing you will invest in exciting, rigorously vetted early stage and established businesses. You can see they types of businesses that you can invest in on our investment portfolio page.
What does purchasing bonds give me?
By purchasing bonds, you are lending your money to the business, who will in turn pay you through regular interest payments, and by returning your money in full by the maturity date. Sometimes these bonds are secured on property or other assets. Sometimes these bonds may be convertible upon reaching maturity when they may be converted into equity shares. As a bondholder you are also entitled to be repaid before a company’s shareholders if the business were to be wound up.
You can find out more about investing in bonds and how they differ from equity investments here.
What is security?
When a bond is secured on an asset, such as a property or machinery, the bondholders have a claim over that asset in the event that the interest or principal is not paid on time by the business. If a non-payment or other “default event” happens, then bond holders have the right to sell the asset so as to recoup their investment.
What does owning equity shares give me?
Owning shares gives you a direct interest in the profits of the company. If the company is successful and pays dividends, you will be entitled to a dividend for each share you own. Then if the company is ever sold, you will share proportionately in the sale proceeds.
What happens if I invest but a business doesn’t reach its minimum funding target?
If you have invested in a business and it doesn’t reach its minimum target you will be refunded in full. Your user account will be credited with the amount of money you originally committed to the business.
Why do I have a limit on the amount I can invest in businesses with CODE Investing?
Investing in a business always carries some risks – not every business makes enough profit to pay a dividend to its shareholders, and some businesses fail. To make sure CODE Investing members can afford to bear any potential losses, we set a limit on how much they can invest in any year. We work this out automatically based on how much each member earns and how experienced they are as an investor.
Can I invest from overseas?
If you are an international investor then please get in touch here.
How do I take money out?
If you have uninvested funds in your account, you can request a refund of these funds at any time. Please email us your request: email@example.com.
Once funds have been invested in a business, and the business funds successfully on the CODE Investing platform, you are unlikely to be able to take them out of your investment until an “exit event” happens: The company is bought by another company, is listed on a stock exchange or buys back shares from its shareholders.
If the business does not fund successfully, your funds will be returned to your account, and can be withdrawn upon request.
How can I change my details?
In the event that you’d like to change your account details, please get in touch with us at firstname.lastname@example.org.
Where are my CODE Investing funds held?
We have appointed a “custodian bank” to hold your money. Our custodian is called Global Custodian Services (GCEN), using Santander. GCEN holds your investments in a segregated account for added security and never lends your assets to third parties.
What are the costs of investing?
There are no fees for CODE Investing investors.
What are FIC projects?
FIC, a joint venture partnership with CODE Investing, provides Forum members with a platform to promote investment opportunities, both for those seeking to raise capital and for those interested in investing. FIC projects that are hosted on CODE Investing’s platform are available to both Forum and CODE Investing investors.