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Use your annual ISA allowance to invest in Sharia compliant alternative finance. Eligible returns are sheltered from UK Income Tax and Capital Gains Tax, though your capital remains at risk.
7% annually via
the Cur8 GBP Income Fund
£20,000 per tax year
3 month target
An ISA (Individual Savings Account) is a UK tax wrapper. It lets you invest or save while shielding eligible returns from Income Tax (on interest or profit distributions, for example) and Capital Gains Tax (on growth in value).
You can contribute up to £20,000 per tax year across all your ISAs. You can split this allowance between different ISA types depending on your goals.
An Innovative Finance ISA (IF-ISA) is a type of ISA designed for alternative finance. Our form of IF-ISA covers crowdfunding debentures, which are a form of debt security issued by a business, while remaining Sharia compliant.
If a cash ISA is “tax-free savings” and a stocks & shares ISA is “tax-free market investing”, an IF-ISA is “tax-free alternative finance”.
Withdrawal rules depend on the provider and product. Some ISAs are flexible, others aren’t. You can usually transfer ISAs between providers without losing the tax benefits, as long as you use the official ISA transfer process.
Cur8 Capital accepts transfers of Stocks & Shares ISAs, Cash ISAs, and Innovative Finance ISAs (IF-ISAs), from other providers. You can transfer multiple ISAs into your Cur8 IF-ISA.
Tax efficiency. If you’re using taxable accounts today, an ISA wrapper can meaningfully improve your net returns over time, because eligible returns aren’t taxed.
Diversification beyond public markets IF-ISAs can give you exposure to alternative finance returns that don’t move in lockstep with equities.
A more direct link between your money and real-economy outcomes IF-ISAs often fund real businesses and assets, depending on the investment.
Potentially attractive income-style returns (with risk). Many IF-ISA investments are structured around contractual payments, but defaults and delays can happen. Returns are not guaranteed.
Any returns generated on your investments within the IF-ISA wrapper will be tax free.
The ISA is free to setup. Some investments you choose to make within the ISA may have associated fees.
You can easily transfer existing ISAs into our IF-ISA wrapper. We accept Stocks & Shares ISAs, Cash ISAs, and Innovative Finance ISAs (IF-ISAs).
Cur8’s IF-ISA is designed for investors who want Sharia compliant investing inside a UK ISA wrapper.
What “Sharia compliant” means in practice
No interest (riba): returns are generated through Sharia-compliant structures rather than interest-bearing loans. The mechanics are asset-backed or trade-based, designed to link returns to permissible transactions. Investments are screened and reviewed against Sharia principles (add your specific governance: Sharia board or scholar name, frequency of review, certification approach, if applicable).
What is a crowdfunding debenture?
A debenture is a type of debt instrument issued by a company. In crowdfunding, a business raises money from investors by issuing debentures. Think of it as a formal IOU with defined terms.
In simple terms, you’re lending money to a business under a formal debt security. The business commits to pay you back according to the terms, for example through scheduled profit or return payments and repayment at maturity. If the business fails, you may lose some or all of your capital.
Why debentures are used in IF-ISAs:
IF-ISAs are designed for eligible alternative finance investments. Crowdfunding debentures can qualify when structured to meet ISA rules, including transferability requirements. In practice, this is one reason IF-ISAs tend to look more like “private credit-style” investing than stock market investing.
How the debenture element typically works (high level):
A company issues debentures through an eligible platform, and investors subscribe to them using their IF-ISA. The business then uses the raised capital for a defined purpose, with returns paid to investors in line with the debenture terms and the company’s performance. At maturity, or according to an agreed repayment schedule, the capital is repaid to investors if the issuer is able to do so.
Debentures are often illiquid. You might not be able to sell early, and a secondary market may not exist.
Risks to understand before investing:
Your capital is at risk. You could lose some or all of your investment.
Returns are not guaranteed. Target returns are targets. Actual outcomes can differ, and payments may be delayed or reduced.
There is a liquidity risk. You may not be able to access your money quickly. Some periods have notice periods, limited windows, or depend on underlying repayments.
Typically with IF-ISAs, there is no FSCS protection. IF-ISAs are not cash savings accounts, therefore they typically are not protected by the FSCS in the way bank deposits are.
There may be issuer or borrower default risk. If a borrower or issuer cannot repay, you may not get your money back.
Like any investment platform there is operational risk, service continuity and operational resilience results for an investor.
We recommend you read the full risk warning for Cur8 Capital to understand the risks and downsides fully before making an investment decision.
Transfer an existing ISA to Cur8
Transferring is usually the best way to move ISA funds without losing the tax benefits.
Cur8 Capital accepts transfers of Stocks & Shares ISAs, Cash ISAs, and Innovative Finance ISAs (IF-ISAs), from other providers. You can transfer multiple ISAs into your Cur8 IF-ISA.
How transfers work
1.) Open a Cur8 account and navigate to the ISA page.
2.) Choose “Transfer an ISA”
3.) Provide your current provider details
4.) We handle the transfer process with your existing provider
5.) Your ISA status is maintained throughout the official process (timelines vary)
Don’t withdraw funds to your bank account to “transfer” them. That will break your ISA status.
Who Cur8’s IF-ISA is designed for
The Cur8 IF-ISA might be worth considering if you:
1.) Are a UK tax payer
2.) Want Sharia-compliant investing inside an ISA
2.) Want to use your £20,000 allowance efficiently
4.) Understand that returns aren’t guaranteed and capital is at risk
5.) Are comfortable with limited liquidity relative to easy-access savings
It is unlikely to be a good fit for you if
1.) You need instant access to all your funds at any time
2.) You want a protected cash savings product
3.) You are not comfortable with investment risk
You need to be aged 18 or over and a UK resident for tax purposes
You can invest up to £20,000 every tax year which can be split into your various ISA’s (including your cash ISA, stocks and shares ISA, innovative finance ISA and Lifetime ISA). You can learn more about ISAs here.
Investors do not pay any tax on any of the income they receive from ISA savings and investments. Nor do they pay any tax on capital gains arising on ISA investments. However, losses on ISA investments cannot be allowed for Capital Gains Tax purposes against capital gains outside an ISA.
ISA managers should submit any ISA transfer instructions to our team inbox at team@cur8.capital. If this is being submitted by post to our correspondence address – IFG.VC Limited, Floor 4, 1 Dane’s Yard, London, England, E15 2QL.