RISK STATEMENT

Risk Statement

All investment products carry risks. The debt receivables available through Adelpha's co-funding platform carry the risk you may lose part or all of your investment. When an investor purchases debt receivables though Adelpha's co-funding platform the receivables are based on repayments paid under lending agreements, the investor is not a lender to any end borrowers. The investor enters into a Receivables Purchase Agreement with the seller (an Adelpha SPV), whereby the seller commits to paying you the money actually repaid by the borrower. 

Please carefully read the following general risks involved when investing through Adelpha's co-funding platform.

Non-advised investment

Adelpha does not provide advice to prospective investors or any other person. Accordingly, this website is not intended to be a source of advice. Any decision to invest must be made according to personal circumstances and investors are strongly recommended to take independent professional advice before making any investment. No responsibility for the consequences of any investment decision is accepted by Adelpha or by any of its partners, directors, employees and other members.​

Capital is at risk and returns are not guaranteed

Receivables purchased through the Adelpha co-funding platform is a form of unregulated investment where an investor's capital is at risk. Investors should be aware that returns are not guaranteed and you may not get back the amount you invested. ​The payment of the receivables depends on the ability and willingness of the underlying borrower to repay their commitments in full and in time. If a borrower defaults on their lending, investors may lose some or all of their initial investment and receive no outstanding or future receivable payments.

Illiquid investment

Currently Adelpha offers an investor the ability to sell the debt receivables they have purchased through the platform. The exit period is not guaranteed and there is a chance that an investor may not be able to exit their receivable holding when you want it. Adelpha charges investors a fee for using this feature and the investor may not receive the price they want. No investor should invest in debt receivables if they may suddenly need part or all of the capital invested before the receivable due date.

Adelpha Capital does not need to be authorised or regulated by the Financial Conduct Authority (FCA)

Adelpha does not need to be and is not authorised and regulated by the FCA.

No Financial Services Compensation Scheme ("FSCS") protection

The protections and compensation entitlements under the FSCS do not apply to the debt receivables offered through Adelpha's co-funding platform. For the avoidance of doubt, any loss resulting from a worse than expected performance of the debt receivables is not covered by the FSCS.

Tax

You must ensure that you are aware of your tax obligations that might apply to you as a result of any investment made by you via Adelpha's co-funding platform. We encourage you to consult with appropriately qualified tax professionals regarding your tax circumstances.

Single investment risk

Since debt receivables carry a wide range of risks, investors are recommended to spread their funds across a number of investments to diversify risk and not put too much of their capital in a single debt receivable.

Past performance

Past performance is not a reliable indicator of future results.

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Please note that the products and any associated services mentioned above are available to sophisticated investors, high net worth individuals, limited companies and institutions. Adelpha is not covered by the Financial Services Compensation Scheme. We endeavour to reduce risks to investors. However, investing in any investment product places your capital at risk, and so does purchasing debt receivables through Adelpha. Your capital is at risk

Adelpha Capital Ltd trading as Adelpha Property Finance do not provide regulated bridge and development loans and are not regulated by the Financial Conduct Authority. Think carefully before securing debts against your property. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

 

Registered Address: Adelpha Capital Ltd, 27 Old Gloucester Street, London, WC1N 3AX, UK

Company Number: 10409699

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