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Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Risk Warning

Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Read our full Risk Warning

Risk Information

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

What are the key risks?

  1. You could lose all the money you invest
    • If the business offering this investment fails, there is a high risk that you will lose all your money. Businesses like this often fail as they usually use risky investment strategies.
    • Losses can exceed the invested amount. In some remote circumstances, you may lose more than the amount invested due to adverse cost risk. After The Event (ATE) insurance will be put in place for cases that carry adverse cost risk, however it is not guaranteed that the insurance will pay out.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the issuer doesn’t pay you back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is.
    • These investments are very occasionally held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.
  2. You are unlikely to be protected if something goes wrong
    • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
    • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
  3. You are unlikely to get your money back quickly
    • This type of business could face cash-flow problems that delay payments to investors. It could also fail altogether and be unable to repay any of the money owed to you.
    • You are unlikely to be able to cash in your investment early by selling your investment. In the rare circumstances where it is possible to sell your investment in a ‘secondary market’, you may not find a buyer at the price you are willing to sell.
    • You may have to pay exit fees or additional charges to take any money out of your investment early.
  4. This is a complex investment
    • This kind of investment has a complex structure based on other risky investments, which makes it difficult for the investor to know where their money is going.
    • This makes it difficult to predict how risky the investment is, but it will most likely be high.
    • You may wish to get financial advice before deciding to invest.
  5. Don’t put all your eggs in one basket
    • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
    • A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

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Investment risks

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How it Works

Investments offered through AxiaFunder are complex investments and intended for Sophisticated and High Net Worth Investors as defined by the FCA.

Litigation investment has a complex structure, with portfolio litigation funding your investment may be spread over a number of unrelated cases.

When you make a litigation investment, if the case loses, you are likely to lose the whole of your investment unless some of the investment is insured. There is no Government compensation scheme that covers poor investment performance. Even when the prospects of a case look good, there is always a range of factors at play in litigation that mean the risk of it losing should still be regarded as high. The prospect of high returns should not induce you to take risks with money that you cannot afford to lose.

The return on a litigation investment will only come if and when the opponent makes a payment. Even successful litigation generally takes months or years to come to fruition. Investors are able to buy and sell their investments amongst themselves, but there is no recognised market in investments, and you should always be prepared to hold your investment until the conclusion of the litigation.

Litigation funding offers the potential of producing returns even if the economy as a whole is performing badly, but it should always be seen as a high-risk complex investment. It is accepted investment practice to ensure that high-risk uncorrelated investments should form part of a wider diversified portfolio of investments. The minimum investment per case is £1,000

AxiaFunder does not provide investment advice and only seeks investment from investors who have sufficient financial resources and understanding to participate in high-risk investments. Investors who are in any doubt about investing should consider seeking independent professional advice, and you should only invest if you are confident that you understand the general investment risks.

All persons who register as an 'investor' on this Website should read carefully the following warnings before making any investment. All investment products carry risks. The relevant webpages and documents will cover risks specific to an individual offer. Please bear in mind the following general risks involved when investing through this Website:

You are unlikely to be protected by the financial services compensation scheme if something goes wrong


Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.

Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection here.

Before it is invested or once the proceeds of investments are returned, your money will be held by the money recipient in a client account and subject to separate protections applicable to credit institutions and banks. 

Losses can exceed invested amount


Litigation funding investments carry high risks as well as the possibility of high rewards. Accordingly, each investor should consider very carefully whether such investments are suitable in the light of their own personal circumstances, commitments and available financial resources. Engaging in any investment activity may expose you to a significant risk of losing all of your investment and in some remote circumstances up to double the amount invested.

If a claimant loses a case, it is likely that you will lose all, or part, of your initial investment and receive no outstanding or future interest payments. Alternatively, the litigant may settle the case on terms that do not enable all of the interest and/or capital to be recoverable under the investment or that the defendant has insufficient funds to pay damages to enable all of the interest and/or capital under the investment to be recovered.

For cases with adverse cost risk, we will always put After The Event (ATE) insurance in place. In the unlikely event that this insurance company were to refuse to pay a claim or to fail, you could lose up to double the amount invested.

There are two types of ATE insurance: Standard and Non-Avoidable ATE. For both Standard and Non-Avoidable ATE insurance, the policy provides protection against the liability to pay the adverse costs of the opponent if the case is unsuccessful. However, it should be noted that Standard ATE insurance has some conditions which could enable the insurance to avoid paying out if, for example, the claimant misrepresented their claim or their solicitor was found to be negligent (see blog post by Michael Lent).

In such circumstances neither the Company, nor AxiaFunder nor ShareIn will pay you back your investment or compensate you for your losses. Your losses by investing via the AxiaFunder website can exceed the amount you put in. 

The majority of the litigation funding opportunities available via the AxiaFunder platform are complex and high risk. Please be warned that the targeted returns on the documents related to each case are not guaranteed, you could earn less money than expected or nothing at all. This is not a savings account. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is. 

Regarding the accuracy of the information related to each investment opportunity, AxiaFunder always has a signed undertaking by the claimant’s solicitors, confirming that the latter have conducted appropriate due diligence into the facts of the case. Whilst AxiaFunder also undertakes a review on the facts as presented to us by the claimants and other persons associated with the case, we are heavily reliant upon the claimant's solicitors to provide us with information. Please be warned that neither AxiaFunder nor ShareIn are responsible for checking the accuracy of these facts and statements, which may not always prove to be true or complete. The Company is also reliant on AxiaFunder to cover any operating costs shortfalls of the Company that may arise due to fees from service providers.

Liquidity


As an investor you should be aware that investments through the AxiaFunder website are long term investments that could take several years to yield a return (and investment returns are not guaranteed). No established market exists for the trading of these investments, and therefore investments are not easily realisable. It must be appreciated that there could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at any price. You are unlikely to get your money back quickly..

Diversify your portfolio


Diversification by spreading your money across different types of investments should help reduce your overall risk of financial loss and make you less dependent on on to do well. We highly recommend investors do this to maintain a balanced portfolio.. Investors should only invest a proportion of their available investment funds in the investments being offered on this Website due to the high risks involved. A good rule of thumb is not to invest more than 10% of your money in high-risk investments.

Tax


AxiaFunder and ShareIn recommend that you take your own tax advice on any investments which you make via this Website.

Recommendation


Neither AxiaFunder nor ShareIn provide advice or make personal recommendations. If you are in any doubt about the action you should take or the contents of a particular Offer Document, you should seek advice from an independent financial advisor authorised under the Financial Services and Markets Act 2000.

Past performance


Past performance is not a reliable indicator of future performance. You should not rely on any past performance as a guarantee of future investment performance.

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Investing in offers promoted by AxiaFunder involves risks. Investors have a significant risk of losing all of their investment if the underlying case(s) fails. Don’t invest unless you’re prepared to lose all the money you invest. Advertised rates of return aren’t guaranteed. Losses can exceed the invested amount. In some remote circumstances, you may lose more than the amount invested due to adverse cost risk. After The Event (ATE) insurance will be put in place for cases that carry net adverse cost risk, however it is not guaranteed that the insurance will pay out. Investments promoted by AxiaFunder are not listed or traded on any recognised exchange. This means you will not be able to easily sell your investment if you need to get your money back quickly. Investments are not covered by the Financial Services Compensation Scheme (FSCS) and protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. The investments on the AxiaFunder website are only intended for Sophisticated, High Net Worth and Professional Investors as defined by the FCA, and you may wish to get financial advice before deciding to invest.

BEFORE DECIDING TO INVEST PLEASE READ THE FULL RISK WARNING

AxiaFunder is a trading name of Champerty Limited (FRN 968527), which is authorised and regulated by the Financial Conduct Authority.

AxiaFunder is a registered trademark in the UK (No. UK00003319190), and Australia, European Union, United States of America (No. 1 761 526).
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