Frequently Asked Questions
Here are some answers
Am I able to invest with Northfin?
We are only able to work with high net-worth and/or sophisticated investors, depending on your jurisdiction. The acceptable criteria may vary. As per requirements set by the Financial Conduct Authority (FCA), we must assess whether our clients have the necessary knowledge and experience to understand the risks in our investment products. It is important to us that our products are suitable and appropriate for our clients.
Why do you need my personal information?
We are required by UK law to conduct proof of identity and proof of address checks to comply with money laundering and Know Your Client regulations.
What is the minimum investment amount?
At present our minimum investment amount per offering is £25,000.
Can I receive my money back at any time?
Typically your capital and any profit will be returned when the loan term has finished as the majority of our deals are on an interest rolled-up basis so you would not be able to receive any repayment prior to the loan being repaid. Occasionally some of the offerings may allow for monthly or quarterly liquidity events; this will only occur where the offering is a loan into a 3rd party fund with a portfolio of loans, and which allows for a mirrored agreement to our investors.
Can I invest in a company name or other legal entity?
Yes, you can register as a corporate investor on sign-up. We are also working to launch the product with SSAS and SIPP pension providers.
What are the risks?
Returns are not guaranteed, and your capital is at risk. We work to mitigate these risks by selecting loans with manageable loan-to-values and minimal operational risks, but the investments are always subject to prevailing market conditions and deal-specific risks.
Is Northfin regulated by the Financial Conduct Authority (FCA)?
There is no requirement for Northfin to be a regulated entity where we restrict offerings to high net-worth and sophisticated investors, and participation / sub-participation agreements in our loans.
How does Northfin make money?
We believe in aligning ourselves with our investors. We do not charge any management fees or entry fees into our investments (save any banking charges which will be passed on at-cost). Where we have forward-funded a transaction, we include an interest spread prior to our investor offering, but this will only be received by us after investors have been paid the advertised rate on their loan.
Debit Card Transaction Optimization
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris sed consequat est. Etiam bibendum orci non risus faucibus, non cursus sem volutpat. Nulla facilisi. Proin at neque et lorem varius tempus. Aenean auctor massa ut purus efficitur, eu lacinia lectus blandit. Fusce maximus lectus ac velit convallis, in cursus velit gravida.
Challenge:
Improve transaction speed and accuracy for debit card payments at point-of-sale systems.
Solution:
Implemented an advanced transaction processing system that integrated real-time fraud detection, optimized transaction routing, and improved encryption protocols for card data security.
Outcome:
The new system reduced transaction times by 15%, decreased fraud incidents by 20%, and increased customer satisfaction due to smoother payment processes.
Debit Card Transaction Optimization
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Mauris sed consequat est. Etiam bibendum orci non risus faucibus, non cursus sem volutpat. Nulla facilisi. Proin at neque et lorem varius tempus. Aenean auctor massa ut purus efficitur, eu lacinia lectus blandit. Fusce maximus lectus ac velit convallis, in cursus velit gravida.
Challenge:
Improve transaction speed and accuracy for debit card payments at point-of-sale systems.
Solution:
Implemented an advanced transaction processing system that integrated real-time fraud detection, optimized transaction routing, and improved encryption protocols for card data security.
Outcome:
The new system reduced transaction times by 15%, decreased fraud incidents by 20%, and increased customer satisfaction due to smoother payment processes.