Features and benefits

You are lending money to a UK company or community energy business through a debenture (a debt security, like a bond).

Companies and community energy businesses will use the money raised to fund a variety of green projects, according to the details set out on their investment page and Offer Document.

You are lending money to the company or community energy business for a fixed period, typically a number of years. You will not be able to access your money until you are repaid under the terms of the investment.

Your return is fixed for the length of investment and interest is typically paid every 6 months. Each investment will have its own rate of return and payment structure - higher returns typically meaning a higher risk to your money. (A small number of investments have a variable return, linked to the performance of the company.)

When you invest, your capital is at risk. If the company or community energy business fails, you could lose some or all of the money you have invested.

The company or community energy business will repay your investment either in 6-monthly instalments or in one lump sum at the end of the investment. Check the key terms for the investment to see the repayment type and frequency.

You can invest through an Innovative Finance ISA and get tax-free interest on your council investments.

You can list your investment for sale on our marketplace if you need to get your money back early. Please note there is no guarantee you will find a buyer, and you may get back less than you invested.

There are no fees for investors. (We earn a fee from the companies and community energy businesses raising money.)

The service Abundance provides in relation to debentures (our company and community energy business investments) may be covered by FSCS.

Abundance provides the online platform through which you lend money to a company or community group and we administer the payment of interest and capital from the company or community energy business back to you. Abundance completes its own due diligence process before it allows the organisation to raise money on Abundance, however this does not mitigate the risk of investing.

In the unlikely event that Abundance was to go out of business, each company would still need to pay what is owed to you. However without Abundance there could be some administrative disruption and it would be harder to sell your investment if needed.