The Risks

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As with many forms of investment, there are risks. That being said, we take our responsibility to manage these risks very seriously and to date everyone of our investors have earned their 9% to 11% targeted returns.  We cannot however predict the future.

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We use a combination of modern technology (to automate our processes, provide greater accuracy and highlight certain key factors to our underwriters, for example) so that our underwriting team can make not only a more informed decision, but also reach one faster. The decision to proceed or decline every single application is ultimately made by a real person (underwriter), and through the use of our technology, we provide them with the tools to help them make better decisions, more efficiently and hopefully more accurately.​  

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Loss of capital - In certain circumstances you may receive less money than you have invested.  These circumstances could exist where a contract hire customer had stopped paying their contract hire leasing fees, followed by ourselves being unable to release or sell the vehicle to cover the shortfall.

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Projected returns are based on the interest that end users are required to pay as part of the car hire payments on the vehicle.  If the end user (Leasee) fails to pay their car hire payments then the actual returns paid to you may be lower than expected.

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We would however take steps to ensure the end users continues paying for the lease agreement, or look to repossess the vehicle.

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Lease terms - Once you commit to a lease term you would not be able to get your full investment back until the end of the lease term, subject to client payments. 

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Tax - It would be your responsibility to be aware of any tax obligations.  We do not give any advice, but according to regulatory guidelines, this suggests you consult with an appropriate tax advisor/accountant.  Your tax position is dependent on your circumstances and may be subject to change in the future.

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Financial services compensation scheme - Any investment you make with us is not covered by the financial services compensation scheme.  Further information can be found at www.fscs.org.uk   

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Other risks - Leasing is quite a safe investment, but we cannot fully guarantee this. We do however, try to reduce the risk by following a number of measures which include credit checks and underwriting checks.  We will also advise you on which vehicle or vehicles your money is against by giving you the registration number and or VIN number. ​

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Important Notice - Your capital may be at Risk.  The value of your investment may reduce in value and the actual returns may be lower than expected.  Past performance is not a reliable indicator of future returns.