Capital at risk. This is a private lending opportunity. Repayment depends on the performance and solvency of SwitchFair, the Scottish Partnership that operates the SwitchFair Capital programme.

Investor Programme

Six investors. £25,000 each.

Choose between ring-fenced receivables finance and growth capital for the operating business. Both routes have a 12-month term and 12% annual interest.

Total raise£150,000
Receivables finance£100,000
Growth capital£50,000
Per investor£25,000

Choose your route

Receivables Investor or Growth Investor.

The routes finance different parts of the business and carry different risk and return characteristics.

Four available positions

Receivables Investor

£25,000 at 12% p.a.

Capital is kept separate from the operating business and deployed only to pay affiliates for qualifying energy customers.

Allocation£100,000 total
Term12 months
PaymentsAt maturity
SecurityQualifying receivables

Two available positions

Growth Investor

£25,000 at 12% p.a.

Capital supports people, systems, compliance and working capital while sales grow and commissions move through the collection cycle.

Allocation£50,000 total
Term12 months
InterestPaid monthly
Profit participation2.5%

Defined-profit participation is contractual and capped at aggregate distributions of 10× the initial investment.

Growth Investor return at forecast

£20,739 return on a £25,000 investment.

If SwitchFair achieves its FY27 forecast profit before tax of £709,572, the investor receives £17,739 through their 2.5% profit participation, plus £3,000 annual interest.

Total cash received

£45,739

£25,000 principal repayment + £3,000 interest + £17,739 profit participation.

Next step

Express interest in one of six positions.

The programme is private and by invitation only. Participation remains subject to eligibility, acceptance and final legal documents.

Express interestReview documents