The Capital Bridge - Fixed rate bond

held through an ISA

Controlling your investment with

transparency, and experience.

Interest paid out quarterly

www.thecapitalbridge.co.uk
The Capital Bridge is a trading name of Capital Bridge Bond co 1 Limited registered in England and Wales, company
number is 11446347 and registered office address is 5 Glenn Buildings, Moor Lane, Crosby, Liverpool, L23 2UN
 Please read the following section carefully

The Capital Bridge ISA is run by Northern Provident Investments, an ISA manager Authorised and regulated by the Financial Conduct Authority and enables
you to invest in the bond issued by Capital Bridge BondCo 1 Limited.

As a marketing document, this brochure only provides headline information relating to the bond offering and it cannot be relied on alone. Consequently,
this Document must be read in conjunction with the Information Memorandum (IM) specific to the bond, which provides more details of the offering along
with the associated risks. The IM can be provided on request by calling 0800 088 4549 or by downloading it from The Capital Bridge website.

Your Capital is at risk. The value of your investment can go down as well as up. You may get back less than you invested. Please understand the details
of this bond offering and do not focus on the headline benefits. All potential investors’ circumstances are different and all investment is speculative and
involves risk. You must understand the particular risks involved in this offering, and make a decision that is appropriate for your personal circumstances.
We further encourage you to take independent financial advice on the contents of this document by contacting a professional advisor authorised by the
Financial Conduct Authority (FCA) to conduct investment business, and who specialises in advising on investment in bonds, shares, and other securities,
including unlisted securities.

3
 Controlling your
investment with
transparency
and experience.

4
Contents

6. Welcome to The Capital Bridge

9. How to Invest

10. Reasons to Invest

11. Investment Potential

12. The Capital Bridge and The Industry

13. Investor Security

14. Typical Process

15. How It Works

17. Be in the know

18. The team

19. FAQs

20. Risks

22. Why choose us

23. Get in touch

5
 Welcome

6
The Capital Bridge bond enables the everyday person to ultimately help fund the

property sector. By investing through The Capital Bridge bond, you could maximise your

investment by earning significant interest without having to deal with the day to day

headaches involved in money lending.

The Capital Bridge Bond allows you to invest from as

little as £2,000 and receive an annual return of 9% for
3 years with interest payments made to
investors on a quarterly basis.

7
 Apply online

Visit us at www.thecapitalbridge.co.uk

Call us on 0800 088 4549

Email us at info@thecapitalbridge.co.uk

The Capital Bridge

5 Glenn Buildings

Moor Lane

Crosby

Liverpool

United Kingdom

L23 2UN

The Capital Bridge is a trading name of Capital Bridge Bond Co 1 Limited,

registered office address is 5 Glenn Buildings, Moor Lane, Crosby, Liverpool, L23 2UN

8
How to invest

1
Read through this Capital Bridge brochure carefully to ensure you understand

the product. Frequently asked questions (FAQs) and answers can be found at

the end of the brochure. If you cannot find the answer to a question you can

contact our team at info@thecapitalbridge.co.uk

2
Complete the sign-up forms provided within this pack, and provide your ID

and proof of address. Details of acceptable documentation can be found in

the FAQ’s on page 17.

3
Return your completed forms, ID and proof of address to The Capital Bridge

1.02 Boatshed, 12 Exchange Quay, Manchester, M5 3EQ. If you wish for us to

arrange for your documents to be collected by courier please contact us

at info@thecapitalbridge.co.uk

Once your forms have been received, we will do the rest and contact you to
progress the investment.

9
 Reasons to invest

No transfer/management or sign up fees

Your investment will be sent to the Capital Bridge which is a trading name for
Capital Bridge Bond Co 1 Limited

Money will then be sent to the UK lending company called Capital Bridging
Finance Solutions Limited (“CBFS”) who will lend to hand-picked property
developers in the UK

CBFS ensures that strict criteria are adhered to and will only onward lend to
borrowers who can satisfy these requirements

CBFS takes significant security on all loans

CBFS will only make loans secured upon UK property

10
Investment Potential

INVESTMENT EXAMPLE:

Investment: Interest Rate: Term:

£10,000 9% 3 Years

The CBFS IFISA 9% PA

Capital
Bridge QUARTERLY INTEREST
PRINCIPAL INVESTMENT
PAYMENT TO YOU

MONTH 1 £10,000 N/A

MONTH 3 £10,000 £225

Year 1 MONTH 6 £10,000 £225

MONTH 9 £10,000 £225

MONTH 12 £10,000 £225

MONTH 15 £10,000 £225

MONTH 18 £10,000 £225

Year 2
MONTH 21 £10,000 £225

MONTH 24 £10,000 £225

MONTH 27 £10,000 £225

MONTH 30 £10,000 £225

Year 3
MONTH 33 £10,000 £225

MONTH 36 £10,000 £225

YOUR NET RETURN:

£12,700
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 The Capital Bridge Bond

The investment raised from The Capital Bridge bond ultimately gives experienced property

developers the chance to access finance in a very short space of time, either to acquire new

property quickly, or to further develop existing commercial assets, provided that they can

meet or exceed the appropriate criteria and can offer adequate security to secure CBFS’s’ loan.

This is a way for borrowers to avoid the lengthy and energy-consuming process of applying for

mainstream finance, which can often take several months to complete. Instead, a loan from

CBFS can be paid out within two to three weeks of the date of application.

This swift and flexible lending model allows CBFS to charge higher fees and interest than the

traditional banks. Loans are typically repaid when the property has been built, refurbished or

simply re-sold at a higher price. The arrangement is beneficial to both parties; the borrower is

able to capitalise on an opportunity that may not have been available to them via traditional

banking routes, and the lender sees a significant return on the funds which is in turn is passed

on to bond investors.

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Investor Security

In order to ultimately help protect

your investment, CBFS will:

Only ever lend to experienced property developers

Always obtain a valuation on the property by a Royal Institute

of Chartered Surveyors (RICS) qualified valuer.

Only lend at a maximum Loan to Value (LTV) of 80%

Always obtain a first, second or equitable charge over the property

Always obtain a personal guarantee from the director (if the loan is to a limited
company)

Ensure all legal agreements and legal representation between all parties is
conducted by experienced property lawyers

Ensure that any monies are paid directly into a solicitor’s client account and
only released when adequate security has been provided and other relevant
criteria met

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 Typical Process
of a Bridging Loan

ENQUIRY
• Enquiry from potential borrower

• Initial underwriting to consider loan in more detail

• Lender produces indicative loan terms

• RICS valuation instructed

LEGALS
• Final lending decision taken

• Solicitors for the Lender and the Borrower are instructed

• Solicitor carries out due diligence on the property

• Solicitors produce loan and security documentation

• Agreements are executed by the Lender and the Borrower

• Loan completes and funds are sent to the borrower

• Solicitors apply the agreed security at HM Land Registry

and Companies House

POST COMPLETION
• Interest is serviced by the borrower according to the terms

of the agreement

• Capital is repaid to the lender when the loan redeems

• Security is discharged

14
How it Works

1
Your money goes to Northern
Provident Investments Limited
(NPI) - The ISA Manager

2 Funds are then sent to The Capital

Bridge

3 The Capital Bridge lend the money

to CBFS

4 Following the Typical Process CBFS

then lend the money to it’s clients

5 The borrowers pay interest on the

loan to CBFS

6 CBFS pay interest on the loan to

The Capital Bridge

7 The Capital Bridge pay interest

Quarterly to NPI - The ISA Manager

8 When and if the loan is redeemed

the borrower repays CBFS

9 CBFS repay
The Capital Bridge

10
The Capital Bridge pay interest
Quarterly to NPI - The ISA
Manager

15
 “ Having been involved in fundraising for development and

bridging finance for some years I am delighted to be able to

introduce the opportunity to all individuals to get involved in

this exciting industry through The Capital Bridge.

This is a great opportunity to earn high returns whilst helping

“
to regenerate housing markets and provide new homes for

people throughout the UK.

Paul Dalton,
Founder and Director of The Capital Bridge

16
Be in the know

Head to www.thecapitalbridge.co.uk for the latest news and information from the Capital

Bridge team about the Bond, the Capital Bridge ISA, IFISA’S and bridging finance. Your dedicated

account manager will keep you up to date with any investment news. You could also

apply online at the website address above.

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 The team

Paul Dalton
After studying at the University of Central Lancashire, Paul holds a number of directorships across the
Paul gained many years experience working within finance and property investment sectors and
the sales industry for several large international also provides consultancy services ranging from
FMCG organisations. planning and viability to project implementation
and operational infrastructure to various property
In 2012 Paul established Capital Bridging Finance development and management companies.
Solutions to provide short term finance to a range of
business customers. Paul has grown CBFS’s loan book
to c.£10m and obtained FCA regulation for consumer
lending which allows CBFS to offer a wider range of
bespoke lending products.

Mark Roberts
Mark graduated from the University of
Sheffield with a BSc (Honours) in Mathematics.
He subsequently obtained a Certificate in
Mortgage Advice & Practice from the London
School of Business & Finance.
Mark has provided consultancy services to
many property developers and bridging finance
companies across the UK as well as running
several of his own property companies.
His consultancy roles have been wide ranging
and have included financial planning, acquisition,
accounting and sales strategy.
Mark has played a key role in negotiating
several large finance facilities in recent years
and has numerous connections within both
the property and finance sector.
Mark’s role within CBFS is to assess the merits
of each loan application and, once approved,
underwrite and manage the cases through to
completion. Mark also oversees the accounting
and administration departments within CBFS.

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FAQs
Who is my ISA Manager?
The Capital Bridge ISA is managed by Northern Provident Investments, an ISA manager
Authorised and regulated by the Financial Conduct Authority (“FCA”). FRN: 647948

Who can have an Innovative Finance ISA?

Anyone over the age of 18, who is a UK resident, with their own Bank Account
and has a minimum of £2,000 to invest

How do I setup my ISA?

There are various ways that you can get in touch with us:
Call Us - Speak with our UK based personal account managers by calling
our freephone number 0800 088 4549
Chat with Us - Speak with your personal account manager online via webchat
We’ll Call You - Go online to complete our contact form and one of our Account Managers
will contact you in due course
Apply Online - Visit our website to complete your application

Where is my money invested?

The Company will initially use proceeds raised from the Bonds to onward lend Capital Bridging Finance
Solutions Limited (“CBFS”) in order to enable it to provide bridging loans to approved and experienced
third party property developers secured against sites located in the UK.

How much can I Invest?

If you are opening a new IFISA the minimum subscription is £2,000 and the maximum within the
tax year is £20,000. If you are transferring an existing ISA, again the minimum subscription is £2,000
and the maximum is unlimited.

How do I transfer in from another ISA Manager?

The Capital Bridge ISA will provide you with the necessary transfer authority forms to complete and once
returned they will be issued to your existing provider with a request that they complete the transfer on your
behalf.

When is my Money Invested?

Your money is invested once the 14-day cooling off period has elapsed.

What are the management fees?

The management fees have been absorbed by The Capital Bridge, which means as an investor with the
Capital Bridge there are no fees to pay. Please refer to the terms and conditions to review the fee payable
should you choose to redeem your Investment before the end of the term.

What is an IFISA?
The UK Government introduced the Innovative Finance ISA (IFISA) on 6th April 2016. This new type of ISA
allows individuals to use some (or all) of their annual ISA investment allowance to invest into debentures
such as the Bonds, and then to receive all the interest earned tax-free. It is important to understand that
with an IFISA your capital is at risk and it is important you read the associated risks with this investment in
the section entitled “Risk Factors” of this Information Memorandum. Tax treatment depends on the
individual circumstances of each investor and may be subject to change in future.

Which ID Documents and Proof of Addresses

are acceptable for my application?
Identification – A valid UK drivers license or passport
Proof of address – Utility bill or bank statement dated within the last 3 months

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 Capital @ Risk
As with all investments capital is at risk. The value of your investment
can go down as well as up. You may get back less than you invested.
The Capital Bridge has tried to mitigate this by working with the CBFS.
They will undertake the following to achieve this:
1. Only loan to known, experienced property developers.
2. Legal representation a prerequisite for both sides.
3. Maximum loan to value of 80%.
4. Take a legal charge against the property being loaned against.
5. A debenture can be taken over the assets of the development company (lender)
6. All monies are held in escrow

Impact of fees
There are no set up and management fees, they are absorbed by The Capital Bridge meaning the returns
you see will be the returns you ultimately get. However, there are fees associated with elements such as
early transfer out of the ISA. Full details of the fees payable by investors to Northern Provident Investments
Limited are set out in The Capital Bridge ISA Terms and Conditions, and these will reduce the net return on
your investment.

Exposure to external events

The trading and assets of The Capital Bridge or CBFS could be affected by unforeseen events outside its
control, including economic, social and political events and trends. These include changes in economic,
political, administrative, taxation or other legal or regulatory regimes, terrorist or other attacks, inflation,
deflation or other currency exchange fluctuations.

CBFS’ security may be insufficient to repay the Bondholders

Whilst CBFS may take security over the assets of the firms it lends to, the underlying assets of the firms
over which a charge has been granted may be insufficient to repay CBFS. In that situation CBFS may not
be able to pay what it owes to the The Capital Bridge and in turn for them not to be able to pay what it
owes to Bondholders.

Diversification
Diversification means spreading your investments across different asset classes and sectors.
All investments through The Capital Bridge ISA will be in bonds, you should be aware that all monies
invested will be in the same sector and through the same asset class. You should consider spreading your
investment risk and seek independent advice when you are not sure if an investment is suitable. You are
not able to invest more than 10% of your net assets through The Capital Bridge ISA in the bond unless you
are a high net worth investor, a certified sophisticated investor or a self-certified sophisticated investor.

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Non-ready realisable investment
Investors should be aware that the bonds you will invest in are non-readily realisable investments.
Investment through the Capital Bridge ISA in the bond should be viewed as a long-term investment. It may
be possible for the bonds to be sold but it may be difficult to sell the bonds held through the Capital Bridge
ISA. Past performance of financing is not necessarily a guide to future performance. Past events,
experience derived from these, or assumptions derived from any of these, do not predetermine the future.

The Company’s Business Strategy

The company’s business plan is based on assumptions about market performance and predicted future
trading of its current and proposed business activities which are supported by research undertaken and
CBFS’ teams experience to date. The Company considers these assumptions to be reasonable, but it is
inherently subject to variation and uncertainty. There is no certainty that all or any of its business plan
will be fulfilled, that the outcome of the Company’s strategy will be as anticipated or that The Company
will achieve the required level of profitability or sufficient cash flow to achieve its stated objectives.

Inflation Risk
You should be aware that if the return on the bond fails to pay a return that beats inflation, the real value
of your investment could fall.

No FSCS Protection
The Capital Bridge ISA is managed by Northern Provident Investments, an ISA plan manager authorised
and regulated by the Financial Conduct Authority (“FCA”), the bonds that you will invest in are issued by
The Capital Bridge, which does not carry on regulated activities for which authorisation is required and
so it is not authorised by the FCA. Therefore, losses incurred by the failure of the bonds would not be
protected by the Financial Services Compensation Scheme (“FSCS”). If The Capital Bridge ceases
to exist or goes into liquidation you would not be able to put in a complaint through the FSCS.

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 Minimum investment £2k Transfer your existing ISA

Start seeing a potential return within No set up costs, management

3 months, with payments made on a fees or charges
quarterly basis

All earnings are tax free**

Fully asset backed security with
experienced property developers *

* Asset backed ISA and diversified project portfolios help to minimise associated investment risk. The fact that the bond is asset backed would not guarantee
22 that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.
** Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.
Get in touch

Visit us at www.thecapitalbridge.co.uk
Call us on 0800 0884 549
Email us at info@thecapitalbridge.co.uk

The Capital Bridge

5 Glenn Buildings
Moor Lane
Crosby
Liverpool
United Kingdom
L23 2UN

23
The Capital Bridge is a trading name of Capital Bridge Bond co 1 Limited registered in England and Wales, company number is 11446347
and registered office address is 5 Glenn Buildings, Moor Lane, Crosby, Liverpool, L23 2UN
Tel: 0800 088 4549 | Email: info@thecapitalbridge.co.uk

This brochure has been issued by The Capital Bridge and approved for the purposes of Section 21 of the FSMA by Northern Provident
Investments Limited.

The Capital Bridge ISA is a trading name of Northern Provident Investments which is Authorised and regulated by the Financial Conduct
Authority (no. 647948). Registered in England and Wales (no. 08807099). Northern Provident Investments Limited is not covered by the
Financial Services Scheme. Northern Provident Investments Limited is registered with the Office of the Information Commissioner no.
ZA287335. Registered Office: 3rd Floor, 207 Regent Street, London W1B 3HH.