FAQs

General FAQs

Who is eligible to invest with Rockfire Capital?

Any UK resident individual who is over the age of 18, or a UK trust, company or charity that is not prevented by the laws of its governing jurisdiction from applying for or holding Rockfire investment opportunities.

Is Rockfire Capital authorised by the Financial Conduct Authority (FCA)?

Yes. You can find the full details of our authorisation on the FCA Register.

Can I use my SIPP or ISA?

Rockfire investments are eligible for investment by a UK Self Invested Personal Pension (SIPP), but not currently permitted for Individual Savings Accounts (ISAs). The acceptability of investment by a UK investor’s SIPP is wholly dependent upon the investment policy and procedures of the investor’s SIPP trustee. In the first instance, an investor would need to contact their SIPP trustee and provide them with a copy of the Bond Invitation Document. They are then welcome, should they have any queries, to contact Rockfire Capital.

Can I pay by instalments or top up my holding?

Unfortunately not. If you would like to top up your investment, you need to place a new order. You cannot pay for our investments by instalments. All orders (paper or online) will need to be accompanied by a debit card payment, bank transfer, or bankers draft/cheque for paper applications only.

What happens if I die while I hold Rockfire investments?

Under these circumstances, the investments would form part of your estate and the title to them would initially be held by the executors or administrators. They would then be held until the title is transferred to the intended beneficiary, by sending us an executed transfer in a form acceptable to us.

I am not a UK tax payer – will I have to pay tax?

Rockfire investments are securities in PLC companies, therefore the company must deduct the 20% tax, pay this to HMRC and pay your interest payment net, so the tax is deducted at source. If you are eligible, it is your responsibility to contact HMRC to obtain the relevant forms to reclaim the tax back.

Can I change my mind?

Yes, provided you do so within 14 days of your completed application being received by us. If you wish to cancel your application, you need to write to us at Rockfire Capital Limited, 1 Berkley Street, London, W1J 8DJ. After the 14 days, your application will be irrevocable and it will not be possible for it to be terminated or rescinded by you.

How do I invest online?

To make an investment online, you need to create an account. To do this, please visit rockfirecapital.com/register. Once you’ve registered, you’ll have the option to invest in any of our current live bonds.

Why should I have an account?

Having an online investment account makes investing with Rockfire easier. You can use your account to make an investment, track the progress of your investments, receive updates if the investment closes early or is extended, and view your certificates and instruments once the offer has successfully closed.

I am an existing investor with Rockfire – do I need to make a new account?

Yes. We have recently implemented a new online account platform for our investors. Once you have activated your account, this will be used for any future investments with Rockfire.

Can you help me set up my account?

If you would like to be guided through setting up your account, please contact our Customer Services team on +44 (0) 2380 011600, who will be happy to help.

Can I still make a paper application?

Yes, of course. You can either call our Customers Services team on +44 (0) 2380 011600 and request the information, or you can send us an email through your account and we can arrange for the application forms to be posted to you.

What happens if I forget my password?

If you forget your password, call our Customer Services team on +44 (0) 2380 011600. We will run through some security questions with you, then reset your password.

How do I change my personal details?

If any of your personal details change, please contact us on +44 (0) 2380 011600, and we will update them. They will then automatically be updated on your account for you to see.

What if I choose to pay by bank transfer?

When placing an order online for one of our investments, you will be given two methods of payment to choose from: a debit card payment via Worldpay, or a bank transfer. If you opt to pay by bank transfer, please arrange for the payment to be sent to us within 48 hours, with your investor number as a reference, so we can process your application quickly.

Is there a limit to the amount I can invest online?

The maximum amount you can invest online using a debit card is £10,000. If you wish to invest more than this, you can, but will need to pay via bank transfer.

Can I make a joint account/investment?

Yes, absolutely.

How do I invest on behalf of a trust or company?

You can set up an online account for a trust or company. This will be the same process as setting up an individual investor account.

Do I have to invest now?

Not necessarily. You can upload money to invest at a later date, if you wish. This will be held in a secure client account and can be withdrawn at any time (allowing three working days for the transfer), up until the money has been invested. Please note, the money stored in the client account will not accrue any interest for the period it is held.

What if I decide to close my account?

You will not be able to close your account if you have any live bonds. Please call our Customer Services team on +44 (0) 2380 011600 if you have any queries relating to your account.

Can I invest online on behalf of somebody else?

Unfortunately, you would not be able to do this online. However, we will still be accepting paper application forms, which can be requested by calling our Customer Services team on +44 (0) 2380 011600. If you were to apply on behalf of somebody else, we would need the relevant copies of a power of attorney.

Will I be informed of upcoming investment opportunities?

You can choose whether or not you’d like to be contacted, and we can email or call you to give you further information on our upcoming bond launches. We will not pass your details on to any third parties.
Invest FAQs

How much can I invest in Rockfire investment opportunities?

The minimum and maximum investment amounts vary per offer, and are detailed on the account section of
the website.

Who can invest?

Any UK resident individual who is over the age of 18, or a UK trust, company or charity that is not prevented by the laws of its governing jurisdiction from applying for or holding Rockfire investment opportunities.

What do shareholders receive in return for their investment?

When purchasing shares, investors become part owners of the business in proportion to the percentage of outstanding shares owned. Shareholders have the right to vote on certain company matters, and to dividends declared.

What do bondholders receive in return for their investment?

A bond is an investment opportunity where investors lend money to an organisation for a fixed period. In return, they receive regular interest payments and return of their capital at the end of the bond’s term.

What are the key risks of investing?

All investments contain multiple financial risks. Risk can come from the collapse of a specific company, or it can stem from shocks to the market as a whole. The key to investing is to know and understand the risks that a portfolio faces, and manage them in line with your risk profile.

Can investors lose more than their investment?

No. As a shareholder or bondholder, liability is limited to the amount invested, which means that even though investors might not get their investment back, they can’t be called on to pay anything further.

Should anyone invest all of their money in Rockfire investments?

No. Given the risk profile and returns potential of alternative investment opportunities, we suggest that investors seek to build a balanced, diversified portfolio. Whatever proportion of money investors choose to invest, the most important thing is that they can afford to lose all of it.
Raise FAQs

Do businesses issue equity or debt directly to investors?

No, the companies transact with Rockfire. This means Rockfire is the sole point of contact for businesses to
deal with.

Does Rockfire screen investment opportunities for the platform?

Yes. We actively research and analyse companies seeking capital and markets to find stand-out investment opportunities. We carry out rigorous due diligence before designing and managing robust asset-backed investments that balance risk and reward.

Is there a minimum or a maximum that can be raised?

We typically work with companies that have a capital requirement of £1.5 million or more.

Who invests via Rockfire?

Institutional investors and individual investors invest via our online platform, and Rockfire Capital invest in every deal. We will never offer an investor an investment we haven’t put our own money into.

How do investors find out about Rockfire?

We market Rockfire to investors using PR, social media, conferences and other tools to communicate the benefits of investing in Rockfire’s suite of alternative investment opportunities.

Will companies retain control of their business if they raise capital through Rockfire?

Accepting external investment into a company comes with certain responsibilities, but companies are still in control of their business as long as they retain more than 50% of the business’s equity.

How will you distribute returns to investors?

Any money investors receive from an investment will be credited to their Rockfire investment account. The money can then be withdrawn, or invested in another opportunity, at any time.

What happens if a business fails?

In some cases the business will either be wound up or sold for a nominal price, while in other cases the business won’t formally shut down, but we will write off the investment. Any proceeds from these processes will be distributed to investors.