After the credit crunch in 2008, the base rate has been cut to a historically low level and it has made savings difficult. To encourage savings and to support SMEs, innovative finance investments have been made eligible to hold within an ISA. Innovative Finance refers to a range of ways for individuals and businesses to borrow money or raise equity from individuals who seek alternative ways to invest. Investment returns are typically multiple times more than rates offered by high street banks. The high returns and low minimum subscriptions make them very appealing to retail investors. However, the market is still young and how…