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Before Investment

A Goji Investment account is our general investment account. This account is always created when you sign up to Goji Investments.

All cash deposits are made into your Investment account (except in the event of transfers in). Cash in your Investment account can subsequently be subscribed into your ISA.

You do not have to make investments with your Investment account. You may choose only to invest through your ISA account.

You may set up a Goji IF ISA by registering for a Goji Investment account here: https://goji.investments/investments/account/register.

During registration, you may choose to open your ISA immediately or at a later date.

Existing Goji Investment account holders may log into their account and choose the ‘ISA’ option on your Portfolio page. You may also hover over your name and select the ‘Setup ISA’ option.

To avoid making deposits to multiple accounts, all deposits will be made into your Goji Investment account.

Once the funds have been received, you may then subscribe to your ISA account by transferring cash from your Investment account.

You may do this by logging into your account and selecting the ‘Transfer to ISA’ option under the Cash menu.

All subscriptions must be in cash.

You can have one of each type of ISA each tax year, so long as the total amount invested into your ISA is within the limit of the annual ISA allowance. For example, you can subscribe to one cash ISA, one stocks and shares ISA and one Innovative Finance ISA in each tax year.

In the next tax-year you can subscribe to an additional ISA of each type again.

Yes, but it is more complex due to the ‘one of each type’ rule. There are three ways to open more than one IF ISA:

Every tax year the IF ISA provider can be changed so there are multiple IF ISAs with multiple providers. This requires opening a new IF ISA each year with different providers.
Investors can transfer funds between ISA managers. This is especially useful if there are funds subscribed to ISAs in previous years that investors want to invest in direct lending. Investors can transfer funds to more than one IF ISA provider. Initially, HMRC drafted the regulations so that only direct lending providers could be IFISA managers. Goji successfully campaigned to change these rules though so that third party ISA managers, such as investment platforms and Goji, could be ISA managers and enable investors to diversify their ISAs.

Client satisfaction is our top priority at Goji. Please contact us immediately if you have any concerns, questions or feedback: [email protected]. We will be delighted to try and resolve these for you as soon as possible. Please note that we are not a financial advisor, so cannot provide any investment advice or guidance.

Please do not hesitate to contact us on 020 3865 5243 or [email protected] if you cannot find an answer here.

We pride ourselves on being contactable by clients, and will be delighted to answer any question you may have.

If you choose to cancel your Goji IF ISA, any investments and cash credited to your ISA account will be transferred to a Goji Investment account.

If you decide you no longer want a Goji IF ISA, you will have the right to cancel your account within 14 calendar days of the date your account is opened. If you cancel within this period, you will remain eligible to open an IF ISA with us or another ISA manager. You will also not have used up any of your current year subscription. This will not apply if you cancel your Goji IF ISA after this period.

The annual ISA allowance may vary each tax year.

The ISA allowance for the 2017-18 tax year is £20,000.

You may consult the government website for the current ISA allowance. (https://www.gov.uk/individual-savings-accounts/overview).

The tax year runs from 6 April to 5 April.

An ISA is an Individual Savings Account and is not a product in its own right. An ISA is a ‘wrapper’ in which you can shelter savings and investments from tax.

There are multiple types of ISA available; a cash ISA, a stocks and shares ISA, an Innovative Finance ISA and a Help To Buy ISA.

The Lifetime ISA is available for those between 18 and 40. The Junior ISA is available to those under 18.

You can put money into an ISA, up to a set limit each tax year. This limit is known as your ‘ISA allowance’. Any returns or gains made from money placed in an ISA are not subject to income and capital gains tax. You don’t even need to declare ISAs on your tax return.

Goji is an investment platform focused on providing investors and intermediaries with access to UK Direct Lending.

We are an Appointed Representative of Sapia Partners LLP, which is authorised and regulated by the Financial Conduct Authority.

No. While Goji will always provide unbiased information to help keep you informed, we’ll never give advice on which investments you should make. It’s always recommend that you talk to a qualified financial adviser before making an investment decision.

Once you have registered at on the website you can select the appropriate investment product and how much you wish to invest.

As soon as this process is finished, you will be sent an email with confirmation of investment and your bond certificate document.

You have to be resident in the UK and aged 18 or older. Investors must also pass some anti-money-laundering checks and be considered one of the following types of investors:

  1. Sophisticated investors who can confirm that they meet certain tests as to their investment experience.
  2. High net worth investors who can confirm their income in the preceding 12 months exceeds £100,000 or their net assets in the same period exceed £250,000.
  3. Restricted investors who can confirm they will restrict investments in non-readily realisable investments such as this to less than 10% of net assets over a 12-month period.
  4. Professional investors who can confirm that they meet certain criteria as to their professional eligibility.
  5. Advised investors.

In addition to any certificate or confirmation provided, you may be required to demonstrate that investment in the Goji Diversified Lending Bond is appropriate for you.

The minimum investment amount is £1,000. You can subsequently invest in multiples of £1,000.

Each investor will have their own segregated client account with our payment services provider Modulr. You will be provided with a sort code and account number for this account to send money to over bank transfer or faster payments. Please contact us if you have any difficulties doing this, or would prefer to pay in a different way (debit card, cheque etc).

Funds must be deposited in Pound Sterling (£) only.

Acceptance of Terms & Conditions is automatically assumed upon investing with Goji. Investors can review and electronically sign the Terms and Conditions upon opening a Goji account. For more information, please click here.

You can set up an account as an individual investor by registering here and entering your personal details and agreeing to the Terms & Conditions and Privacy Policy. Goji might also ask you to provide further ID details as part of standard compliance checks.

If you are a financial intermediary or professional investor please contact us.

We need basic personal information to set up your account, including address and date of birth. In addition, you need to supply either a passport number or drivers licence number for additional security. In some circumstances we may seek further information before we can set up your account.

Goji is required by regulations to verify the identity (ID) of its investors. You’ll need to pass this process before you can make your payment. Please refer to the Terms & Conditions for more information on how this works.

After Investment

A Goji Investment account is our general investment account. This account is always created when you sign up to Goji Investments.

All cash deposits are made into your Investment account (except in the event of transfers in). Cash in your Investment account can subsequently be subscribed into your ISA.

You do not have to make investments with your Investment account. You may choose only to invest through your ISA account.

You must be 18 or over, a resident in the UK or a Crown servant (e.g. diplomatic or overseas civil service) or their spouse or civil partner if you do not live in the UK. You cannot hold an IF ISA with or on behalf of someone else.

You may set up a Goji IF ISA by registering for a Goji Investment account here: https://goji.investments/investments/account/register.

During registration, you may choose to open your ISA immediately or at a later date.

Existing Goji Investment account holders may log into their account and choose the ‘ISA’ option on your Portfolio page. You may also hover over your name and select the ‘Setup ISA’ option.

To avoid making deposits to multiple accounts, all deposits will be made into your Goji Investment account.

Once the funds have been received, you may then subscribe to your ISA account by transferring cash from your Investment account.

You may do this by logging into your account and selecting the ‘Transfer to ISA’ option under the Cash menu.

All subscriptions must be in cash.

Once you have successfully subscribed funds to your Goji IF ISA, your cash will be available to invest into Goji Lending Bonds and earn interest free of tax.

When logged in to your account, click ‘Invest’ on the menu bar and ensure you select your ISA account when making an investment.

No, you cannot transfer existing investments that you have made on your Goji portal into your ISA.

You may only transfer cash from your Investment account into your IF ISA account.

You can transfer funds from your other ISA into your Goji ISA however.

You can have one of each type of ISA each tax year, so long as the total amount invested into your ISA is within the limit of the annual ISA allowance. For example, you can subscribe to one cash ISA, one stocks and shares ISA and one Innovative Finance ISA in each tax year.

In the next tax-year you can subscribe to an additional ISA of each type again.

You can transfer your ISA at any time, you do not have to wait until the end of the tax year.

Yes, but it is more complex due to the ‘one of each type’ rule. There are three ways to open more than one IF ISA:

Every tax year the IF ISA provider can be changed so there are multiple IF ISAs with multiple providers. This requires opening a new IF ISA each year with different providers.
Investors can transfer funds between ISA managers. This is especially useful if there are funds subscribed to ISAs in previous years that investors want to invest in direct lending. Investors can transfer funds to more than one IF ISA provider. Initially, HMRC drafted the regulations so that only direct lending providers could be IFISA managers. Goji successfully campaigned to change these rules though so that third party ISA managers, such as investment platforms and Goji, could be ISA managers and enable investors to diversify their ISAs.

Client satisfaction is our top priority at Goji. Please contact us immediately if you have any concerns, questions or feedback: [email protected]. We will be delighted to try and resolve these for you as soon as possible. Please note that we are not a financial advisor, so cannot provide any investment advice or guidance.

Please do not hesitate to contact us on 020 3865 5243 or [email protected] if you cannot find an answer here.

We pride ourselves on being contactable by clients, and will be delighted to answer any question you may have.

If you choose to cancel your Goji IF ISA, any investments and cash credited to your ISA account will be transferred to a Goji Investment account.

If you decide you no longer want a Goji IF ISA, you will have the right to cancel your account within 14 calendar days of the date your account is opened. If you cancel within this period, you will remain eligible to open an IF ISA with us or another ISA manager. You will also not have used up any of your current year subscription. This will not apply if you cancel your Goji IF ISA after this period.

Investors can transfer whole or part of previous years’ investments to the new ISA manager.

If you have subscribed in the current year, you must transfer the amount subscribed in whole to the new ISA manager. Any income/interest credited to the ISA relating to the current year subscription would also need to be transferred.

You can transfer all of your existing ISA, however the minimum transfer in amount is £1,000.00

You may switch providers for Innovative Finance or cash or stocks & shares ISAs, or vice versa, by transferring your existing ISA to your new ISA manager.

You will be able to complete our online Transfer In Form to transfer existing ISAs into your Goji IF ISA.

Yes, the minimum initial subscription amount is £1,000.00.

No, cash in your Goji IF ISA account will not earn any interest.

If you make a cash subscription to your ISA account, the amount subscribed will use part of your ISA allowance, even if you do not use this subscription to make an investment.

If you do not use up your ISA allowance, it will not be carried over to the next year.

If you open an ISA, but do not subscribe any funds to it over the tax year, then it will be a considered a ‘break year’.  This means that, because no subscriptions were made during the tax year, you will have to make a new ISA declaration next time you seek to subscribe in the IF ISA.

The annual ISA allowance may vary each tax year.

The ISA allowance for the 2017-18 tax year is £20,000.

You may consult the government website for the current ISA allowance. (https://www.gov.uk/individual-savings-accounts/overview).

The tax year runs from 6 April to 5 April.

Interest paid on a cash ISA is tax free and is suitable for short term savings – less than 5 years. Interest is received on the savings at a fixed variable rate.

A stocks and shares ISA is a tax-efficient way to invest in shares and securities for five years or more, and when you want to share in the potential growth in stock markets.

The Innovative Finance ISA provides savers using Direct Lending platforms to receive tax-free interest. Direct Lending is when individuals lend to borrowers, usually through an online platform.

The IF ISA allows individuals to use their annual ISA allowance to lend funds through investments such as loan based crowdfunding or Direct Lending and crowdfunded debt securities (like Goji).

An ISA is an Individual Savings Account and is not a product in its own right. An ISA is a ‘wrapper’ in which you can shelter savings and investments from tax.

There are multiple types of ISA available; a cash ISA, a stocks and shares ISA, an Innovative Finance ISA and a Help To Buy ISA.

The Lifetime ISA is available for those between 18 and 40. The Junior ISA is available to those under 18.

You can put money into an ISA, up to a set limit each tax year. This limit is known as your ‘ISA allowance’. Any returns or gains made from money placed in an ISA are not subject to income and capital gains tax. You don’t even need to declare ISAs on your tax return.

As the investment provider, you should contact us in the first instance if you have any concerns or wish to make a complaint. If you feel that we have not been able to deal with your complaint to your satisfaction, you are entitled to contact the Financial Ombudsman Service, which will look into your complaint to determine whether it requires further investigation. For more detail on the FOS and its eligibility criteria, visit www.financialombudsman.org.uk

Please contact our customer services team at [email protected] So that we can investigate your complaint fully, please include the following information: your full name and address, your investment details, what has happened / gone wrong, and how you would like us to put it right. A member of the team will acknowledge receipt of your email and will investigate the matter thoroughly before responding fully within 3 working days.

Alternatively, you may contact us on 020 3865 5243 or use the instant message function on our goji.investments website.

Goji has two primary provisions in place to ensure that should Goji cease trading investors funds are safe. The first provision is a Living Will (the existence of a third party who will manage Goji’s remaining client positions) and secondly investors assets are held within bankruptcy remote vehicles and third parties so that, even if Goji fails, there are providers in place to protect investors funds. These two provisions ensure client funds are returned in an orderly fashion as underlying loans are repaid.

Your investment into Goji’s Bonds does not qualify for capital protection under the FSCS such as that offered by UK banks up to a limit of £85,000.

However, deposit protection does apply to cash held by Goji and underlying lending platforms when funds are held within segregated client money accounts. This would occur when your money is transferred to us to make an investment and when interest payments and the repayment of your capital are being made to you. While the money is in the Client Account (which is likely to be a short period) it is protected by the FSCS deposit protection, which is currently £85,000 per person.

There may be limited circumstances in which there may be a claim against Sapia Partners LLP if it is in default of a legally enforceable obligation to you (either direct or through Goji as its Appointed Representative of up to £50,000). This is unlikely to affect significantly the risk that you assume in investing in Goji Investments, which are unsecured obligations of Goji Nominees Limited.

Goji has reviewed the majority of the Direct Lending platforms within the UK. We have carefully selected and then rigorously assessed a number of them and we only work with a select number of them that meet our strict criteria.

Lending platforms are only approved if they demonstrate a track record of appropriately sourcing and pricing credit investment opportunities and have solid risk management in place. We conduct our own assessments on each platform we invest through, giving our clients comfort that their investments are well placed.

Goji will take no fees or make any deductions or charges of any kind on the interest paid by the Goji Diversified Lending Bond. However, HMRC requires Goji retains a 20% withholding tax for a UK taxpayer, which will be paid out of your investment and on your behalf to HMRC. If you are not a UK taxpayer, please inform Goji and your records will be updated to reflect this.

Yes. It does not cost anything to open an account. There are no set up fees. There are no upfront fees to invest into the Bonds.

Unlike some investment products, Goji doesn’t charge any up-front fees for investing. Instead it takes a flat management and administration fee of 0.95% of the value of your invested funds. This fee is automatically taken once a month, from the date your first bond certificate is issued.

Goji does not charge performance fees. Goji will not charge its fee if investors do not earn returns.

If any loans are in arrears at the Redemption Date when funds are due to be repaid to investors, Goji will partially redeem the Bond. Goji will use all available cash proceeds received from direct lending platforms in relation to the loan portfolio whilst we await the recovery of any further loans repayments of capital and interest from direct lending platforms. In the terms and conditions of the Bonds, there is a long-stop period of 5 years for Goji to pursue payment of the outstanding debt. Recoveries will be paid out to investors as soon as reasonably practicable after Goji has recovered them.

Capital, i.e. investors’ initial investment, is repaid at the maturity date of the Bond.

No, any interest proceeds will be reinvested back into loans.

Interest is paid at the maturity date of the Bond.

Your capital is at risk and Goji cannot guarantee your return or that all of your initial capital will be repaid. Goji does, however, have extensive investment and operational risk management arrangements in place that help us to manage the risk. Please see our Risk Statement and Risk Mitigation pages for more information.

In the event a bondholder wishes to redeem their investment prior to the bond maturity date, we will execute a redemption order to return funds within 30 days, based on the following conditions:

  • No redemption orders allowed in the first 90 days
  • Redemption orders are exercised on a first come first served basis
  • No interest is payable after the redemption notification date
  • Investors can only redeem their entire holding
  • We have discretion to defer the acceptance of the notification

The Bonds are offered at a price of £100 per Bond (i.e. their principal amount).

No, we do not intend to apply for the Bonds to be admitted to trading on any market or exchange. Similarly we have no plans to apply for the Bonds to be given a credit rating.

No, Goji’s Lending Bonds are unlisted bonds that pay a variable rate of interest, that is derived from the performance of underlying loans that Goji invests in. In this way the Bonds are less affected than market conditions on public investment markets.

Funds raised by the Bond will be used to make loans to UK businesses via Direct Lending platforms. Interest will be charged on those loans.

Every client gets a portfolio dashboard which provides a summary of investment performance. This is a live dashboard which contains all of the investment details relating to your investments.

We don’t currently accept investments from US investors.

Once your application has been accepted, you will receive a bond certificate. Goji will notify you when this is available.

At the end of each month, there will be an interim close. At this point new Bonds will be issued to fulfil any applications for the Bonds that have been made and accepted in that month.

When you deposit funds into your account, your money will be held in a segregated client account by Goji’s Payment Services Provider, Modulr, who holds all of your funds in segregated client accounts held with Barclays. This money is separate at all times from Goji’s operating accounts.

When an investment is made this money is transferred into the Goji nominee account, which again is held in a segregated account with Modulr. The money is held here until our algorithm identifies the best loans for your investment and Goji acquires them. Once the investments have been selected, they will be deployed to the selected platforms to be invested.

We're pleased you're finding our website useful. Before you go any further we need to know a little bit about what type of investor you are. This means we can show you the bits of the website that are written with you in mind:

  • I’m an adviser

Thanks for confirming you're an adviser. Please bear in mind Goji's products are considered 'non readily realisable securities', which means they're illiquid, difficult to price and don't have a secondary market. Now that you know, please feel free to click or tap the button to proceed.

We're pleased you're finding our website useful. Before you go any further we need to know a little bit about what type of investor you are. This means we can show you the bits of the website that are written with you in mind:

  • I’m an adviser

Thanks for confirming you're an adviser. Please bear in mind Goji's products are considered 'non readily realisable securities', which means they're illiquid, difficult to price and don't have a secondary market. Now that you know, please feel free to click or tap the button to proceed.