Accredited Investors Only

Developer Loan Notes

As Banks in the UK have become far less likely to lend to developers and the awareness and benefits of crowdfunding have moved into hyper gear, we're seeing more and more developers want to raise capital through Developer Loan Notes. 

So what is a Loan Note?
A Loan Note is a form of promissory agreement, essentially an IOU – a piece of paper recording a promise to repay a loan, usually with interest, on specified terms. It is usually more formalised than an IOU and therefore will be easier to prove to a court in terms of a dispute or breech.

Why would a Developer need to borrow money in this form?
In this day and age, it requires more and more money over a longer period of time to complete a development. Banks are very good at lending under certain criteria (some may say nearly impossible criteria) Loan Notes offer a more flexible way of raising finance.  In fact, most Developers will still use bank funding for the majority of the lending. 

Self Certification

As part of our regulatory obligation to the financial services and markets act 2000, you are required to declare the type of investor that you are.  Registering does not commit you to any investment. 

High Net Worth

I have an annual income of more than £100,000 or savings of more than £250,000.

Sophisticated Investor

I have previous experience of similar investments or other alternative investments.

Once we have your declaration the team are able to introduce these investments to you. Your declaration lasts for a period of 12 months at which point you can sign another. 

Call the team on +442079236100 and the team can explain all the benefits, and the risks of this investment option.


Investing in non-readily realisable and/or non-transferrable securities (illiquid) involves high risks. The value of your investment can go down as well as up and you are at risk of losing all funds invested should something go wrong. Any projections are subject to change and are not guarantees and should not be relied upon as such. Risks include the total loss of your share investment or debt investment. Any historic performance of investment opportunities is NOT a guide for future performance and any projections of future performance are based on all information known at the time of share investment or debt investment, and calculations and opinions of the management of underlying investment opportunities. 

All investment opportunities introduced to by Gladfish Property Investment Ltd  are NOT regulated by the Financial Conduct Authority (FCA) and you will NOT have access to the Financial Ombudsman Service (FOS) and/or the Financial Services Compensation Scheme (FSCS). Please refer to the Disclaimer section of this site for a more comprehensive description of the various potential risks involved. You SHOULD read those BEFORE you make any investment decision. All investors should seek an independent professional advice before deciding to invest.

Unregulated investment opportunities in complex instruments are considered high risk. Therefore, we can only deal with investors who are High Net Worth Individuals or Sophisticated Investors, who understand the risks involved. If you do not meet these criteria, you must NOT take any further action and leave this page.