Triodos Crowdfunding

Triodos Crowdfunding is the investment-based crowdfunding arm operated directly by Triodos Bank UK Ltd (FRN 817008), which is directly authorised by both the FCA and the PRA. Launched in 2018, the platform lists bonds and unlisted shares from renewable energy, social enterprise and sustainable food issuers. Cumulative funds raised reported at c. £212m.

Why this matters: the platform is operated by an authorised bank, but the underlying investments are Non-Readily Realisable Securities. There is no secondary market and FSCS protection does not apply to investment losses on the listed bonds and shares.

Issuers are screened against Triodos Bank's sustainability standards and financial viability criteria before being listed. Investors browse live offers, complete appropriateness and investor-categorisation checks, and subscribe directly. Bonds typically pay fixed interest; equity issues offer share ownership in mission-led companies. Many offers can be held inside an Innovative Finance ISA (IFISA).

Bonds and unlisted shares in renewable energy, affordable housing, social enterprise and sustainable food projects from a £25 minimum. Issuers pay an up-front engagement fee (c. £5,000–£20,000) and a success fee of c. 3.5–6% of funds raised; investors pay no platform fee directly.

Impact-oriented investors comfortable with illiquid holdings, multi-year horizons and the possibility of capital loss. Bond returns rely on issuer cash flows; equity holdings are subject to construction, regulatory and counterparty risk. Past performance is not a guide to future returns.