Triple Point Income Service

Each investment is backed by 1,000s of carefully vetted businesses

Investing is a straightforward process

1. Complete the online application
  • Choose how much you want to invest
  • Whether to hold your investment in an ISA
  • Choose the investment term and income frequency you want
2. Transfer funds
  • Arrange a bank transfer to our client money account
  • Or transfer funds from your existing ISA
3. Receive your investment
  • We aim to arrange investments on the day that funds are received
  • There are no waiting periods for funds to be deployed
4. Earn interest
  • Earn interest as soon as funds are invested
  • Receive interest monthly or compounded in one payment at maturity

Investment strategy

The Triple Point Income Service generates attractive returns by investing your funds into one or more fixed term debt instruments, which provide funding to thousands of UK businesses. Investments are exposed to a diverse portfolio of the following forms of Direct Lending:

Secured Lending

Loans with security over the assets of a borrower by way of a debenture (first charge), which can be enforced in the event of default to claim those assets.


Equipment finance where an asset is purchased for a company that makes periodic payments in return for the use of the asset. If they fail to do so, the asset may be repossessed, decommissioned or sold.

Short Term Finance

Short term loans that usually supplement or replace overdraft facilities, and are typically used to purchase stock or fund cyclical / increased demand.

Past performance is not an indication of future performance. Your capital is at risk.

Your money in action

See how your investment is helping everyday businesses up and down the country.


Investments into the Triple Point Income Service are secured against a pre-existing diversified portfolio consisting of over 50,000 leases and loans.

Frequently Asked Questions:

What is Direct Lending?

Direct Lending is a form of debt in which lenders, other than banks, make loans directly to companies. In Direct Lending, the borrowers are typically small or mid-sized companies, rather than large, listed companies, and the lenders tend to be asset management firms or non-bank lenders.

It is old fashioned bank lending but without the banks.

Why should I invest in Direct Lending?

While we can't advise you on the right investment for your personal circumstances, we can highlight the following benefits of Direct Lending:

Strong investment performance:

Private debt has consistently outperformed multiple key fixed income indices, from an absolute return point of view.

Low volatility:

Volatility in the direct lending sector has been low when compared to traditional capital markets, with returns being stable through market cycles, relative to equity indices.

Underlying protections:

Direct lending brings a number of structural protections as part of the due diligence process before a loan is made, to protect investors from the risk of loss


The varying maturity dates of the loans, the wide spread of sectors, the differing size and terms of each loan combine to provide investors with diversification in their investment

Uncorrelated returns:

Due to the current correlation between bonds and equities listed on exchanges, investors are considering other asset classes to diversify their portfolio, such as direct lending.

As with all inveting, there are risks. Please see our risk summary for further information.

What is the Triple Point Income Service?

The Triple Point Income Service generates attractive returns for investors by investing their funds into one or more fixed term debt instruments, which provide funding to 1,000s of UK businesses. This funding enables these businesses to acquire business critical assets or additional stock, or fund expansion and so on.

Investors benefit from Triple Point’s experience as an investment manager, selecting and managing investments on their behalf to meet their liquidity requirements and maximise returns.

Investments are secured against the assets of the issuer and offer fixed rates of interest. As with all investments, your capital at risk and interest in not guaranteed.

Triple Point currently manages over £1 billion of assets and has funded over 100,000 UK businesses over the last 13 years.

Opportunities which meet our strict investment criteria and the overall strategy will be considered by Triple Point’s experienced Investment Committee which has decades of experience in direct lending.

Investors can choose a term of either 1, 2, 3, 4 or 5 years in duration.

Investments do not give you shares, or a right to shares, in any companies.

What is a secured debt and how is it different to an unsecured debt?

Secured debt is a type of debt that is secured against / backed by the assets of the borrowing company by way of a legal agreement.

This means that in the event that the issuer fails to make interest repayments, the investors have a claim on the issuer’s assets in order to enable them to get their money back.

Unsecured debt is not secured by specific assets, but rather by "the full faith and credit" of the borrower. In other words, the lender has the issuer’s promise to repay but has no legal claim on specific collateral.

Secured debt is senior to unsecured debt.

Investments in the Triple Point Income Service are into secured debt instruments.

What is the Triple Point Innovative Finance ISA (IFISA)?

This new type of ISA allows individuals to use some (or all) of their annual ISA investment allowance to invest into debt instruments, such as the Triple Point Income Service and then to receive all the interest earned tax-free.

The ISA allowance for the year 2017/18 is £20,000 and may be subject to change in the future.

For more information please read the ISA FAQs section here.

Is this Peer to Peer lending?


Peer to Peer lending matches individual lenders and borrowers through an electronic market place without the platform itself bearing any of the risk of default. Peer to peer lenders usually generate revenue through transaction fees and as a result, benefit from higher volumes of loans that pass through the platform.

Triple Point is an investment manager that uses its own balance sheet to fund SMEs. This means our money is also at risk, alongside the funds of investors, in every transaction.

We believe this structure aligns the interests of Triple Point with investors.

Why should I invest in the Triple Point Income Service?

An investment in The Triple Point Income Service should enable you:

  • to make a return above what you are likely to receive from cash in your bank account, which reflects the additional risk. Please see our risk summary for additional information.
  • to receive a steady income stream over a predictable time-frame or to re-invest your interest.
  • to potentially diversify your investment portfolio by investing in another asset class, if you do not already have similar investments in Direct Lending.

The Triple Point Income Service have the following characteristics:

  • Competitive annual returns, starting from the day you invest. Details of those rates and any applicable final terms can be found on this website.
  • They benefit from the Triple Point’s experience and 13 year track record in Direct Lending.
  • A low minimum investment amount of £1,000, to ensure that The Triple Point Income Service is accessible to a wide range of investors.
  • You can select a term that works for you by choosing either a 1, 2, 3, 4, 5 Year duration.
  • You choose to receive monthly income or a greater return on your capital by receiving one lump sum payment on the date of maturity.

As with all investments, your capital is at risk. Please see our risk summary to better understand these risks.

Triple Point does not provide investment advice and potential investors should seek financial advice before investing in any alternative investment.

Who can invest?

Individuals aged 18 or over, firms, trusts, and foundations. We accept investors from most overseas territories except the USA. 

You must pass any anti-money-laundering and due diligence checks that we run and be one of the following types of investors:

Advised Clients: Persons who are existing clients of a financial adviser that is regulated by the Financial Conduct Authority, and have received advice from their adviser about each investment made into the Triple Point Income Service.

Elective Professionals: Persons who are a professionals within the finance sector and have significant investment experience 

High Net Worth Individuals: Persons who qualify as certified high net worth individuals and have an annual income of £100,000 or more. 

Sophisticated Investors: Persons who qualify as certified sophisticated investors and have experience in making investments into unlisted securities (illiquid investments).

Restricted Investors: Persons who confirm that they will only invest 10% of their net assets (not including their main residence) into non-readily realisable (i.e. illiquid) investments. 

How much interest can I expect, and when is interest paid?

The rate of interest earned by investing is likely to be higher than the interest you earn on savings in your bank account, though the risks may be greater (see the risks section).

The fixed interest you earn is dependent on the term you selected.

The fixed interest rate will be higher the longer you are prepared to invest.

Interest rates are stated as a gross annual rate.

For more information about interest payments and the tax due on The Triple Point Income Services, see the FAQ below: ‘How much tax do I pay for investing in The Triple Point Income Services?’

The Triple Point Income Services start earning you interest once we receive your funds and they have cleared in the Client account.

For investments paying monthly interest:

Your bank account will be credited on the first business day following the end of each calendar month. Please note that if we do not have your bank details, funds will be paid into the Client Account, where they will remain (and not earn any additional interest), until you withdraw them.

Interest is not paid out (though it is earned) in the first month of investment. Instead, the interest accrues day to day in the first month and is rolled up and paid together with the second month's interest on the first business day following the end of that second month. Interest is paid based on a 360 day year. Where you have supplied your bank details, interest will be credited to your bank account. You can request to withdraw any interest credited to the Client Account at any time on demand from your dashboard or apply to reinvest the proceeds into additional investments. Withdrawn money is subject to the normal bank clearing processes and timeframes.

For investments paying interest at the date of maturity:

Interest accrues day to day from the moment your investment is issued and is automatically reinvested each month on the first business day following the end of the calendar month. Upon the final maturity date, the entirety of the compounded interest is paid to you along with your original principal in one lump sum.

As with all investments, you capital is at risk and your interest in not guaranteed. Please see our risk summary for more information.

How do I get started?

Register via this website. This takes about five minutes. Start by clicking here.

First, enter your basic personal details (name, date of birth, email, mobile, address, and choose a password) and agree to our Terms & Conditions and Privacy Policy, possibly providing further identification details if requested by the anti-money laundering protocols. Then select the investor type you are and answer questions on your understanding of the risks of investing in The Triple Point Income Service. Next, choose how much you want to invest, how long for and the frequency you wish to receive income. Pay (in £ Sterling only), either by a bank transfer or cheque. You will then be able to access your personalised dashboard.

As soon as you have finished this process, you will be sent an email with confirmation of your investment.

Within 14 days, a copy of your investment certificate will be available to view and download in the drop down menu found on your dashboard page. We will remind you by email when it is ready.

How much can I invest?

At any one time, you may invest from as little as £1,000. There is no maximum investment amount.

Is there a charge for investing in The Triple Point Income Service?

No, there are no fees. Whilst Triple Point does not charge for investing in The Triple Point Income Service, the Triple Point Group owns lending businesses which may  be the recipient of your investment, and therefore generates its revenue by earning rental and interest income. This also means that our capital is at risk alongside the funds of investors. We believe this structure aligns the interests of Triple Point with investors.

How can I check how much I have invested in The Triple Point Income Service?

Click on the ‘Sign in’ box in the top-right of the home-page. Sign in with your username and password (if you have forgotten your password, see ‘I have forgotten my password. What should I do?’). The dashboard will show you how much you have invested and the other details relating to your investment. Here you can also withdraw interest earned to date, invest more, view important documents, and change your account details.

What are the risks of investing in The Triple Point Income Service?

The Triple Point Income Service makes investments into non-readily realisable securities and there is a risk of total loss of invested capital and interest, for example if the issuer or borrower is unable to make repayments or the underlying security is insufficient. Investors will not become a shareholder or have any kind of ownership stake in any company.

Please review the risks section to find out more.

Am I protected by the Financial Services Compensation Scheme (FSCS)?

Yes. Investment scheme protection may be available in cases where loss is incurred by factors such as mis-selling or misrepresentation on Triple Point’s part. The FSCS investment protection is currently up to £50,000 per person.

Please note the performance of underlying investments is not covered by FSCS.

This is unlikely to significantly affect the risk that investors assume when investing in The Triple Point Income Service. The FSCS is a fund of last resort to cover any claims investors might have against a firm that is in default. For more detail on the FSCS and their eligibility criteria see their website

Investors should not invest on the basis of FSCS protection. While there are unique circumstances where it may apply, they are infrequent.

Am I eligible to use the Financial Ombudsman Service (FOS)?

In the first instance of any concerns that you may have please contact our customer services team at so that we can investigate your complaint fully. Please ensure that you include all of 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 five working days.

In the event you feel that we have not resolved your concern satisfactorily, you are entitled to complain directly about Triple Point Investment Management LLP, directly to the Financial Ombudsman Service. For more detail on the Ombudsman and their eligibility criteria see their website:

Who is responsible for making the interest payments to me?

Triple Point is responsible for ensuring that interest payments are paid to you.

How much tax do I pay on The Triple Point Income Service?

It is important to note that tax treatment depends on your individual circumstances and is subject to change.

If your investment is held within an ISA, SIPP or SSAS, you are not subject to income tax on the interest you earn on your investment.

If your investment is not held within an ISA, SIPP or SSAS, you will be subject to income tax on the interest you earn on your investment. HMRC requires us to withhold Basic Rate Tax (currently 20%), which is then remitted to HMRC on your behalf.

The amount of tax you must ultimately pay will depend on your individual circumstances and tax status.

For example, if you are a higher or additional rate taxpayer, you may need to account for further tax in your Self-Assessment tax return. Consequently, before investing in The Triple Point Income Service, it may be sensible for you to get tax advice from a suitably qualified adviser.

If you are investing via a UK corporation or Trust, you will receive the gross interest amount from your investment as we are not required to withhold Basic Rate Tax in this circumstance.

Corporations and entities from overseas territories may also be eligible to receive gross interest.

Can I transfer my investment to someone else?

Yes. Triple Point allows you to transfer your investment to other named parties. There is no charge for doing this.

You may also utilise the resale market which allows you to transfer investments to other investors on the platform, although we do not guarantee that investments listed for transfer will be purchased by other investors. Should you wish to transfer your investment, please contact us via email at or on 020 7201 8989.

Can I get my investment back early?

Triple Point pays you a fixed rate of interest on the basis that, except in exceptional circumstances (see ‘What happens to my investment if I die?’) your money stays invested for the whole of the agreed term. Although as previously mentioned, it is possible to transfer your investment to other investors.

We will look at early-redemption applications on an exceptional basis and will endeavour to help our investors where possible but it is important that you understand that you are committing your money for the term you select. This is also covered in the risks summary.

What happens to my investment if I die?

If you die while owning an investment in The Triple Point Income Service, your investment can be transferred to an authorised person acting on behalf of the estate.

If you are acting on behalf of the estate of a deceased investor who owns The Triple Point Income Services, please email or on 020 7201 8989.

Can Triple Point redeem my investment early?

Yes. Triple Point does have the right to pay you back the amount you initially invested, as well as all accrued interest, before the end of the agreed term. This is unlikely to happen, though it is a protection mechanism for Triple Point should economic circumstances change so significantly that it becomes unable to continue deploying capital. You can read more about this in in the risks section.

What happens if I change my mind?

You have the right to cancel your investment in The Triple Point Income Service for 14 days after the date you make your investment. After this, you generally cannot get your investment back until the end of the term (see Can I get my investment back early?). To cancel within the first 14 days, simply sign in to your account (which can be found here) and select the investment from the ‘View holdings’ tab on the drop down menu in the top right of the screen. A ‘Cancel Investment’ option will appear. Click this. Your investment will move from the ‘Live Investments’ list to ‘Historic Investments’, with the status showing as ‘Pending Cancellation’. We will notify you by email when your investment has been cancelled.

I have forgotten my password. What should I do?

Click on the ‘Sign in’ box in the top-right of the home-page. Click on the ‘Forgot Password’ box which can be found underneath the green ‘Login’ box. An email will be sent to you with a new password, which you can use to log in to your account. Once signed in, you can change your password by clicking on the ‘Account’ tab found in the drop down menu on the top right of the dashboard. If you have any problems, please email or on 020 7201 8989.

How can I amend my account details?

Once you have registered, you will be able to sign in to your account by clicking on the ‘Sign in’ button at the top-right of the home-page and entering your username and password. You can then access, and amend, your account details by clicking the ‘Account’ tab found on your dashboard. If you have any problems, please email or on 020 7201 8989.

Key Risks

Helping Investors to understand the risks

As with any Investment decision, there are always associated risks. By understanding how these can be mitigated you will be able to make informed decisions and be able to manage the risk to an acceptable level.

This summary is a designed to help investors and their advisers understand the principal risks associated with an investment through the Triple Point Income Service. It is important that investors fully understand these risks and we encourage you to consider them carefully before making any investment decisions. If you would like more information or detail about any of the risks, please contact us on 020 7201 8990.

Prospective investors should seek advice from a qualified, financial adviser to ensure that this service is suitable for their individual needs and circumstances.

Please remember that the legal and regulatory parameters within which businesses operate can change. Triple Point cannot give advice either on the merits of this opportunity or on its suitability

For individual investors and whilst this summary highlights the key risks, it does not and cannot cover exhaustively all of the risks that may apply to an investment through the Triple Point Income Service.

Risk to Capital

The value of an investment through the Triple Point Income Service may go down as well as up and investors may not get back all of the amount they originally invested. Investors should not consider investing unless they are able to bear the associated financial risks involved in investing through the Triple Point Income Service. Investors should not consider investing unless they already have a diversified portfolio.


Investors in the Triple Point Income Service should be aware that there is no guarantee that the investments will achieve their return expectations or targets. Prospective investors should be aware that past performance is not a guide to future performance and that any statements made in relation to expected performance are projections rather than guarantees.

Business Risk

The performance of the companies in which the Triple Point Income Service arranges investments is dependent upon a number of factors which include the quality of their customer bases and their respective revenue streams, the strength of management and controls, and the value of any assets held as security. Both specific and general circumstances can adversely affect customers’ abilities or willingness to meet their obligations. Businesses may also be affected by competition, interest rates, inflation, employment rates, and other macroeconomic factors over which the investment manager has no control. There is therefore a possibility that one or more of the holdings into which investments are arranged may underperform and cause a loss of value for the investors.


Investments may be arranged into a single Direct Lending company. This limited diversification could increase the risk for investors.

It should be noted that while investors may only receive one individual debt security issued by one Direct Lending company, that investment will be secured against an existing portfolio of 1,000s of carefully vetted SME businesses.

Investment period and illiquidity

Investors are committing their money for a specified duration and so it is important they understand they cannot liquidate investments early. Investors can request an early repayment of capital but the Triple Point Income Service is under no obligation to do so. Investors should bear this in mind when deciding the amount they are happy to invest and the term selected. Partial repayments of capital are also not possible or permitted. Reliance on the Investment Manager Triple Point has been appointed as the Alternative Investment Fund Manager of Triple Point Income Service and is dependent on certain key individuals and on their business and financial skills. The success of the Service will depend upon the ongoing ability of the investment manager to identify, source, select, complete, and monitor appropriate investments.

Dealing with SMEs

SMEs are on average more risky counterparties than larger companies as they may be less prepared for the economic factors (such as interest rate changes, inflation, political and regulatory changes economic uncertainties etc.) and company specific risks which they face.

Economic risks

The businesses which we lend to (or are entitled to receive payments from) are subject to UK-based economic risk. If there are adverse changes in the market or in the macro-economy, this could cause the investment to generate less income than expected which could in turn impact our ability to make payments to investors.

Credit underwriting

Details of SMEs with whom Triple Point is dealing with may not be disclosed on a named or detailed basis to investors because of confidentiality and other restrictions. To this extent, investors may not, therefore, have an opportunity to evaluate for themselves such SMEs and, therefore, investors will be dependent upon Triple Point’s judgement and ability in deciding which businesses to deal with.

Financial Services Compensation Scheme (“FSCS”)

Two types of FSCS protection are relevant to investors in the Triple Point Income Service: deposits and investments.

Deposit protection applies when money belonging to investors is held in the Client Account. With investments in debt instruments made through the Triple Point Income Service, this occurs initially when investor money is transferred to us to make an investment and when interest repayments and the repayment of capital are being held on behalf of investors. While the money is in a 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 per eligible claim. This Client Account is operated by Triple Point and is held with the Royal Bank of Scotland PLC (RBS).

Investors may also be entitled to investment protection in cases where loss is incurred by factors such as investments in the Service being mis-sold or misrepresented on our part, or on the part of our appointed representatives. The FSCS investment protection is currently up to £50,000 per person per eligible claim.

ISA legislation

The amount investors can invest into an ISA each year is decided by the Government. Currently ISA investments are free from capital gains tax and income tax. These benefits may be changed by the Government in the future and investors should make sure that they understand any changes that are made. Once investors have invested the maximum they can’t make any further contributions in the tax year. This means that if investors withdraw money from their ISA they will not be able to pay it back in if they have reached their annual subscription limit. If investors decide to transfer an ISA from one company to another they will need to do this as an ISA transfer rather than take money out and pay it back in again. Investors can transfer cash to an IFISA from an existing cash or stocks and shares ISA. If investors choose to transfer cash from a stocks and shares ISA, they may be required to sell current investments.

Changes in law, regulations or administrative practices

The structure of the Triple Point Income Service is based on English law, regulatory and administrative practice in effect as at the date of the Information Memorandum, and has due regard to the expected tax treatment of all relevant entities under UK tax law and the published practice of HMRC in force or applied in the UK as at the date of the Information Memorandum. No assurance can be given as to the impact of any possible change to English law, regulatory or administrative practice in the UK, or to UK tax law, or the interpretation or administration thereof or to the published practice of HMRC as applied in the UK after the date of the Information Memorandum.

Investment Agreement
Information Memorandum
ISA Transfer Form