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Investor Categories

There are four types of investors that can invest with Crowdcube. Plain-English and full FCA descriptions are below. If you have any questions, please email [email protected]

 

1 - EVERYDAY INVESTOR: 

Anyone can become an Everyday Investor. You just need to agree to not make more than 10% of your investments (including savings, stocks, ISAs, bonds and property excluding your primary residence) into company shares that cannot easily be sold, such as the ones listed on Crowdcube. This is why the Financial Conduct Authority refer to them as ‘Restricted Investors’. Everyday Investors are the 'crowd' and the majority of investors will fall into this broad category.
 
FULL DESCRIPTION: Everyday Investor Statement
I make this statement so that I can receive promotional communications relating to unlisted shares and unlisted debt securities as a restricted investor. I declare that I qualify as a restricted investor because:
 
(a) in the twelve months preceding, I have not invested more than 10% of my net assets in unlisted shares or unlisted debt securities; and
(b) I undertake that in the twelve months following I will not invest more than 10% of my net assets in unlisted shares or unlisted debt securities.
 
Net assets for these purposes do not include:
(a) the property which is my primary residence or any money raised through a loan secured on that property;
(b) any rights of mine under a qualifying contract of insurance; or
(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be entitled.
 
I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on unlisted shares and unlisted debt securities.
 
 

2 - ADVISED INVESTOR: 

An 'Advised Investor' is someone who has an FCA regulated advisor, perhaps an Independent Financial Advisor (IFA), and will receive advice from them about each investment they make on Crowdcube.
 
FULL DESCRIPTION: Advised Investor Statement
I am a client of a firm that has assessed me as suitable to receive financial promotions. I accept that the investments to which the promotions relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on unlisted shares and unlisted debt securities.
 
 

3 - SELF-CERTIFIED SOPHISTICATED: 

This group is for people who have invested in more than one unlisted company (including via Crowdcube) in the last two years or been a member of a business angel syndicate or network for at least six months.
 
FULL DESCRIPTION: Self-Certified Sophisticated Investor Statement
I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-mainstream pooled investments. I understand that this means:
 
(i) I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-mainstream pooled investments;
(ii) The investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.
I am a self-certified sophisticated investor because at least one of the following applies:
 
(a) I am a member of a network or syndicate of business angels and have been so for at least the last six months prior;
(b) I have made more than one investment in an unlisted company, including via Crowdcube, in the two years prior;
(c) I am working, or have worked in the two years prior, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;
(d) I am currently, or have been in the two years prior, a director of a company with an annual turnover of at least £1 million.
 
I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-mainstream pooled investments.
 
 

4 - HIGH NET WORTH INVESTOR: 

This group is for people who have invested in more than one unlisted company (including via Crowdcube) in the last two years or been a member of a business angel syndicate or network for at least six months.
 
FULL DESCRIPTION - High Net Worth Investor Statement
I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:
 
(i) I had, throughout the financial year immediately preceding, an annual income to the value of £100,000 or more;
(ii) I held, throughout the financial year immediately preceding, net assets to the value of £250,000 or more.
 
Net assets for these purposes do not include:
 
(a) the property which is my primary residence or any money raised through a loan secured on that property;
(b) any rights of mine under a qualifying contract of insurance; or
(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled.