Debt-Free Syndicate

Investment Model

Introducing our Debt-Free Syndicate
Investment Model (DFSIM)

Smarter investment model

The DFSIM approach eliminates reliance on traditional lenders, ensuring a fully debt-free property development model where investor funds drive the entire project.

1st charge security

Investors provide direct funding through a loan agreement with the SPV, secured by a 1st charge on the property and a debenture over the
project’s assets.

Reduced risk

Unlike models that rely on bank loans and interest payments, our Debt-Free Syndicate 
Investment Model prioritises investor security and profitability, free from external financial risks.

Delivering stronger, safer returns

No 3rd party debt

No bank loans mean no risk of financial pressure or interest costs.

Best of both worlds

Earn 10% per annum plus equity in the project’s profits.

Secured investment

Your funds are protected by 1st charge security and an independent escrow structure.

Loan statements

Perfect for tracking returns, maintaining records, and simplifying your tax return submissions.

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How does our capital stack work?

We provide investment opportunities across the capital stack to allow our investors to select a product that aligns with them.

High Risk & Return

Low Risk & Return

Equity

High Risk & Return

Covers 10% of the capital stack. Investors take an ownership stake in the Special Purpose Vehicle (SPV) setup for the development. By investing in equity, investors participate directly in the project's profits. Combined with our DFSIM, Equity investors no longer have the risk of bank loans and interest payments from 3rd party lenders.

  • Secured by Underlying asset
  • Profit Share
  • 25%+ forecasted annualised returns
  • 12 - 36 month timeframe
  • Medium to high risk
View Equity

Investing in prime UK property doesn't have to be complicated.

We’ve removed the banks from the equation, offering you great annual returns plus equity, all secured by 1st charge. It’s simple, straightforward, and designed to keep your interests at the forefront.
Because your capital deserves nothing less.

Get Started Why Invest?

A secure, transparent investment model

Investor participation

Investors provide direct funding, eliminating reliance on 3rd party lenders. This ensures greater control, full transparency, and higher returns.

SPV loan agreement

Each investor enters a loan agreement with the Special Purpose Vehicle (SPV), securing their 10% per annum interest and equity in the project’s profits.

Funds raised in tranches

Investments are structured in quarterly tranches, aligning with the construction phases. Funds are only released when milestones are met, ensuring efficient capital deployment.

Security Trustee role

The Security Trustee holds a 1st charge on the property and a debenture over the SPV, ensuring investors’ funds are fully secured against the project’s assets.

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Security and risk mitigation

1st charge security

Investor capital is secured by a 1st charge on the property and a debenture over the SPV, ensuring investors have legal priority over assets, repayments, and protections enforced by the Security Trustee.

Escrow Agent oversight

All funds are held in a ring-fenced escrow account, managed by an Escrow Agent, and are only released when an Independent Monitoring Surveyor (IMS) certifies milestones, ensuring secure fund use.

Learn more about the Escrow Agent (Link to podcast episode)

Independent Monitoring Surveyor

The IMS oversees construction, conducts site inspections, certifies progress, and approves fund releases, ensuring that capital is used correctly and risks like delays or cost overruns are mitigated.

Invest with confidence on your investment journey

By registering as a Shariah investor you can get

Interest-free investments

The DFSIM model can operate without Riba (interest), ensuring all returns are derived from tangible assets and real development profits, in full compliance with Islamic finance principles.

Asset-backed security

Investor funds are secured by a 1st charge on the property and a debenture over the SPV, ensuring full transparency, ethical oversight, and financial security.

A profit sharing model

Instead of fixed interest, investors earn returns through a Shariah-compliant profit-sharing structure, benefiting directly from the project's development gains.

Why choose the Debt-Free Syndicate Investment Model?

No bank loans or debt

Fully debt-free investment with no 3rd party lenders, reducing financial risk and ensuring greater stability.

Transparent fund release

Funds are only released when an Independent Monitoring Surveyor (IMS) certifies construction milestones

High security for investors

Protected by a 1st charge on the property and a debenture over the SPV, securing investor funds.

Equity participation in SPV

Investor earn 10% per annum plus shares in the SPV, benefiting from development profits too

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What do our investors say?

  • “I’ve been investing in property for a while now, and Rise has easily been one of the most professional and transparent companies that I’ve worked with. I originally put money into a project, and after seeing how well that turned out, I reinvested in another. What I really appreciate is how they've kept me informed every step of the way. I haven't really had to chase or wonder what's going on. The returns have been exactly as projected, which is a bonus! I trust them to manage my investments well. Definitely looking at future projects with them!”
    Michael Turner
    London, UK
  • “I was a bit hesitant about investing at first, but Rise has made the whole process feel straightforward and secure. I invested in a project, and I was really impressed with how well everything went. The updates were regular, the team was easy to talk to, and the project delivered on time. The returns were more than expected, so I decided to invest again in another project, which is still in progress. It’s great knowing my money is in good hands.”
    Sarah Williams
    Manchester, UK
  • “Rise stood out to me because they focus on quality developments, not just quick flips. I put money into a project because I loved the idea of restoring a historic building. It was handled really well, and the end result was good. Since then, I’ve invested in another project, which is still ongoing at the moment. The team has been upfront about timelines and risks, which I really respect. You never feel like you’re being sold to, just given the facts so you can make an informed decision.”
    James O’Connor
    Dublin, Ireland
  • “I wanted to invest in property but didn’t want the stress of managing it myself, so I gave Rise a go with a student accommodation project. I liked the idea of student accommodation because the demand is always strong. The whole thing was really well thought out, and I was kept in the loop throughout. Seeing the finished project and knowing it was fully let was reassuring, and my returns have been great. I’ve since put money into another project, and so far, the experience has been just as smooth.”
    Emma Collins
    Birmingham, UK
  • “I now have a diverse portfolio thanks to Rise. I first started with a project that was a beautifully executed heritage conversion. I have since invested in a other project with Rise. What stood out about Rise was their commitment to protecting investors’ funds. I’m eagerly awaiting to see projects reach completion and expect another solid return!”
    David Parker
    Edinburgh, Scotland
Invest DFSIM Equity Insights Podcast About
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Investing in Rise involves risk, including loss of capital and illiquidity and it should be done only as part of a diversified portfolio. Investments made through Rise are not covered by the Financial Services Compensation Scheme (FSCS). Please read our full risk warning before deciding to invest. This website is operated by the Rise Group of Companies. Webpages containing share offers will be hosted by the relevant Group Company that is issuing the shares, as identified on the relevant webpage. Webpages containing mezzanine debt offers will be hosted by Rise Capital Holdings Limited. Rise is a trading name used by all companies within the Rise Group of Companies, including Rise Capital Holdings Ltd. Rise Capital Holdings Ltd is registered in England & Wales with company number 10172481. The registered office of the company is 86-90 Paul Street, London, England, EC2A 4NE. Rise Capital Holdings Ltd (10172481) undertakes unregulated loan brokerage business that does not entail consumer credit or regulated mortgages. Arrangements by Group Companies to issue their own shares constitute unregulated business pursuant to Article 34 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO). Information about investments is only available to investors who demonstrate that they qualify as High Net Worth Individual investors or Sophisticated investors or otherwise fall within categories of investor who can receive financial promotions from unregulated persons in accordance with the requirements of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (FPO). Property investing carries the risk of losing some or all of the capital invested. Rise does not provide investment advice and investors who are in doubt about whether investing is right for them should consider seeking advice from an appropriately qualified professional adviser.

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