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Last updated: 1 March 2026
This document outlines the material risks associated with lending to Govantage Limited through our asset-backed investment programme. Please read this carefully before making any investment. If you are unsure about any aspect, seek independent financial advice.
Your capital is at risk. Although each investment is secured against a physical commercial vehicle, there is no guarantee that the full value of your investment will be returned. The value of the underlying asset may depreciate faster than projected, or market conditions may reduce its realisable value.
Investments have a fixed term ranging from 12 to 60 months. You cannot withdraw your capital before the maturity date. This is not a savings account and should not be treated as readily accessible capital. Only invest money you can afford to have committed for the full term.
Returns depend on Govantage's ability to generate rental income from its vehicle fleet. Factors that could affect this include: reduced demand for delivery services, increased vehicle maintenance costs, regulatory changes affecting commercial vehicle operations, and broader economic conditions in the UK.
Although Govantage has a contractual obligation to pay interest and repay principal, there is a risk that the company may be unable to meet these obligations. In the event of insolvency, secured creditors have priority over unsecured creditors, but recovery may not be complete or timely.
Commercial vehicles depreciate over time. While our underwriting accounts for expected depreciation, actual market values may fall below projections due to changes in the used vehicle market, regulatory requirements (such as emissions standards), or damage beyond fair wear and tear.
In the event of a total loss (write-off or theft), recovery depends on the insurance claim being successful and the payout being sufficient to cover the outstanding loan. Insurance policies have exclusions and limits that may affect the recoverable amount.
Investing a large portion of your portfolio in a single asset class or a single company carries concentration risk. We recommend diversifying your overall investment portfolio across multiple asset classes and providers.
Tax treatment depends on your individual circumstances and may change in the future. The Personal Savings Allowance could be reduced or removed by future legislation. The tax information provided by Govantage is for guidance only and does not constitute tax advice. You should consult a qualified tax adviser regarding your specific situation.
Investments with Govantage are not covered by the Financial Services Compensation Scheme (FSCS). If Govantage is unable to repay your investment, you will not be able to claim compensation from the FSCS. This is different from a bank deposit, which is protected up to £85,000.
Govantage is not authorised or regulated by the Financial Conduct Authority (FCA) for the purposes of this investment programme. The company operates under exemptions available for corporate lending arrangements. This means you do not have access to the Financial Ombudsman Service in relation to your investment.
Any projected returns, historical performance data, or illustrative calculations shown on our website or in our marketing materials are for informational purposes only. Past performance is not a reliable indicator of future results.
Do not invest money you cannot afford to lose. Do not invest money you may need access to before the end of the investment term. If you are in any doubt about the suitability of this investment, please seek independent financial advice from a qualified professional.
For questions about this disclosure, contact our investor relations team at investors@govantage.uk.