General
What is the minimum investment?
£1,000 for terms up to 3 years. £2,500 for 5-year notes. £5,000 for 10-year notes.
What terms are available?
3 months, 6 months, 12 months, 2 years, 3 years, 5 years, and 10 years.
What interest rates do you offer?
Rates are tiered by term, ranging from 3.0% p.a. (3 months) to 7.0% p.a. (10 years). All rates are fixed for the duration once subscribed. Visit the Loan Notes page for the current rate table.
How is interest paid?
For 3-month and 6-month notes, interest is paid on maturity along with your principal. For 12-month notes and longer, interest is paid quarterly in arrears.
Can I invest more than the minimum?
Yes. There is no maximum subscription, though the Company reserves the right to accept or decline any subscription at its discretion.
Eligibility
Who can invest?
Only individuals who qualify as a high net worth individual or self-certified sophisticated investor under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.
What are the qualification criteria?
High net worth: annual income of £100,000+ or net assets of £250,000+ (excluding primary residence and pension). Sophisticated investor: member of a business angel network for 6+ months, made 2+ unlisted company investments in the past 2 years, worked in private equity, or been a director of a £1m+ turnover company.
How do I self-certify?
On the Loan Notes page, select your investor category, tick the criteria that apply, confirm you’ve read the risk warnings, and proceed to the expression of interest form.
Process
What happens after I submit an expression of interest?
A member of our team will contact you within 2 business days. We will discuss terms, answer questions, and provide formal documentation (loan note instrument and subscription agreement) for your review.
Is the expression of interest binding?
No. It is not a commitment to invest. You can withdraw at any time before signing the subscription agreement.
Can I redeem early?
Early redemption is possible with 90 days’ written notice, subject to Company approval. There may be an interest adjustment for early redemption.
Risk and Protection
Are loan notes covered by the FSCS?
No. Loan notes issued by CM Beyer are not covered by the Financial Services Compensation Scheme.
Is CM Beyer regulated by the FCA?
No. CM Beyer Limited is not authorised or regulated by the Financial Conduct Authority. The loan note promotion is made under exemptions in the FPO 2005.
What happens if the Company fails?
Loan notes are unsecured debt. In a winding-up, unsecured creditors rank below secured creditors and HMRC. You may lose some or all of your investment.
Should I take financial advice?
We strongly recommend seeking independent financial and legal advice before making any investment decision.
Tax
Is interest taxable?
Yes. Interest on loan notes is taxable income. Interest is paid gross (without deduction of tax). You are responsible for reporting interest received to HMRC through your self-assessment tax return.
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