3 Year Corporate SME Lending Bond 7.25%


3 Year Bond

Projected return

7.25% p.a.
  • IFISA Eligible
  • £500 Min investment
  • Interest Paid Monthly

Welcome to the 3 year 7.25% Corporate SME Lending Bond

We are excited to be bringing to the market our 3 Year Fixed Interest Bond, an opportunity to earn up to 7.25% pa over 3 years 

BR 3 Year Ltd is the issuer of the bond and will be carrying on the business of lending to UK SME businesses. Some examples of previous lending to UK SME businesses have been mentioned in this document.

The company is part of a larger overall group encompassing another brand called Cubefunder who also lends specifically to UK SME’s. Some of the companies mentioned in this information memorandum have already had loans extended to them from the Cubefunder group. 

We are fully UK based, in the historic town of Windsor, directly on the banks of the River Thames. Our Company has identified a significant gap in the small business lending marketplace and is seeking to build further on its successful experience in this industry. 

After a test period and a significant investment in proprietary IT systems, we have in place the infrastructure, human resources, systems, and business relationships to implement our strategy. 

The issuer intends to lend funds at high interest rates to UK SME companies who are not able to source funding from traditional banking channels. Lending across different sectors provides a level of diversification for the investor.

Repayment Example

3 year 7.25% Corporate SME Lending Bond Not held in IFISA Held in IFISA
Higher rate tax payer Basic rate tax payer Basic rate tax payer
Investment amount £10,000 £10,000 £10,000
Interest rate 7.25% p.a. 7.25% p.a. 7.25% p.a.
Tax rate payable on interest 40% 20% N/A
Gross interest earned £725 £725 £725
Tax payable £290 £145 £0
Net interest earned £435 £580 £725
Total capital and interest received by the end of term £11,305 £11,740 £12,175

Sources: Investors should note that payments of interest are made after deduction of income tax at the basic rate (currently 20%), unless the bond is held in an IFISA. You should note that your capital is at risk and returns are not guaranteed.