New Investors

We specialise in bridging finance secured over UK property, through crowd funding and institutional investments.

Due to FCA regulatory reasons we only offer our Investment product to the following types of investors:

High Net-Worth ?
Self-Certified Sophisticated ?
Certified Sophisticated ?

Returning Investors

High Net-Worth Investor

You have, throughout the financial year preceding today's date, an annual income to the value of £100,000 or more, or hold net assets of at least £250,000.

Self-Certified Sophisticated Investor

A self-certified investor who has made more than one investment in an unlisted company in the last two years prior to today’s date; or
a member of a network or syndicate of business angels and have been so for at least six months prior to today’s date: or
in the last two years prior to today’s date, is working, or have worked, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; or
is currently or have been in the two years prior to today's date, a director of a company with an annual turnover of at least £1 million.

Certified Sophisticated Investor

You have a written certificate signed within the last 36 months by a firm confirming you have been assessed as sufficiently knowledgeable to understand the risks associated with engaging in investment activity in Speculative Illiquid Securities, and have signed, within the past 12 months from today’s date that statement.

None of these categories apply

Unfortunately, for regulatory reasons, as you are not one of the permitted customer groups we regret that we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

, this is a high-risk investment. How would you feel if you lost the money you’re about to invest?
Take 2 mins to learn more.

By clicking continue, you agree to receive the financial promotions. If would you no longer like to receive the financial promotion, you are free to leave the investment journey here.

You have, throughout the financial year preceding today's date,
an annual income to the value of £100,000 or more, or hold net assets of at least £250,000.

Please confirm whether you qualify as a high-net-worth investor on the basis that A or B apply to you.

In the last financial year did you have:

A. An annual income of £100,000 or more? Income does NOT include any one-off pension withdrawals.

B. Net assets of £250,000 or more? Net assets do NOT include: your home (primary residence), your pension (or any pension withdrawals) or any rights under qualifying contracts of insurance.

C. None of these apply to me.

A self-certified investor who has made more than one investment in an unlisted company in the last two years prior to today’s date; or
a member of a network or syndicate of business angels and have been so for at least six months prior to today’s date: or
in the last two years prior to today’s date, is working, or have worked, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; or
is currently or have been in the two years prior to today's date, a director of a company with an annual turnover of at least £1 million.

Please confirm whether you qualify as a self-certified sophisticated investor on the basis that A, B, C or D apply to you.

In the last two years have you:

A. Worked in a private equity or in the provision of finance for small and medium enterprises?

B. Been the Director of a company with an annual turnover of at least £1 million?

C. Made two or more investments in an unlisted company?

D. Been a member of a network or syndicate of business angels for more than six months?

E. None of these apply to me.

Please confirm whether you qualify as a sophisticated investor on the basis that in the last three years you have received a certificate from an authorised firm confirming you understand the risks involved with Non-Mass Market Investments.

A. You do have a written certificate as outlined above.

B. This doesn't apply to me.

To allow you to access further information about our loan opportunities and investments, we must ensure that they are appropriate and suitable for you.

Please can you answer the below questions to the best of your ability. If we need further information, we will get in touch by email or phone. We are sorry if this appears a little intrusive, these are FCA rules, and we must ensure the investments and promotions are suitable for you.

Thank you for applying

We will now review your application and credentials.

Before we get back in touch, for FCA regulatory reasons, we will now allow a 24-hour 'cooling off' period to ensure you have sufficient time to consider whether the investment is appropriate for you. You can expect to hear from us after this.

In the mean time, you can learn more about Somo here.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

We have your application

We are currently reviewing your application and will be back in touch before long.

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

None of the these categories apply to me

Unfortunately, as you are not one of the permitted customer groups, for FCA regulatory reasons, we are unable to allow you to progress any further at this time.

If you have any questions during this process then please do not hesitate to contact our Investor Relations team at investors@somo.co.uk

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Good afternoon

One of our Relationship Directors will be in touch shortly with an introduction to Somo’s products, rates and criteria.

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

1. You could lose all the money you invest

If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.
Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

2. You are unlikely to be protected if something goes wrong

The business offering this investment is not regulated by the FCA. Protection from the Financial Services Compensation Scheme (FSCS) only considers claims against failed regulated firms. Learn more about FSCS protection here.
The Financial Ombudsman Service (FOS) will not be able to consider complaints related to this firm. Learn more about FOS here.

3. You are unlikely to get your money back quickly

This type of business could face cash-flow problems that delay interest payments. It could also fail altogether and be unable to repay investors their money.
You are unlikely to be able to cash in your investment early by selling it. You are usually locked in until the business has paid you back over the period agreed. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.

4. This is a complex investment

This investment has a complex structure based on other risky investments. A business that raises money like this lends it to, or invests in, other businesses or property. This makes it difficult for the investor to know where their money is going.
This makes it difficult to predict how risky the investment is, but it will most likely be high.
You may wish to get financial advice before deciding to invest.

5. Don’t put all your eggs in one basket

Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

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