Disclaimer Agreement

Disclaimer Notice

This legal notice governs your use of this website – www.amiowealth.com. This website is issued by Amio Wealth Limited (AMIO), a private limited company registered in England and Wales under number 10701266 and whose registered address is at 7 John Street, London, WC1N 2ES. Amio Wealth Limited (FCA Number: 779660) is an appointed representative of Consero Capital LLP (FCA Number: 570728) (CONSERO), which is authorised and regulated by the Financial Conduct Authority.

Any document or information appearing on this website or any of its pages or communication transmitted thereby (a Communication) does not constitute or form part of an offer to issue or sell or the solicitation of an offer to subscribe for or purchase any investment by anyone in any jurisdiction in which such offer or solicitation is not authorised or to anyone to whom it is unlawful to make such a solicitation nor does it constitute investment advice, but is provided for information purposes only and without regard to any particular person’s investment objectives, financial situation, or means. Neither any Communication, nor the fact of its distribution or transmission, form the basis of, nor may be relied on in connection with, any contract to subscribe for or purchase any investment.

Any Communication is being issued to and/or directed at persons who are personally categorising themselves either as a sophisticated investor and/or high net worth individual by completing the appropriate forms on this website, being only those persons to whom AMIO may lawfully promote and arrange investments on behalf of CONSERO. Any Communication is exempt from the scheme promotion restriction of section 238 of the Financial Services and Markets Act 2000 on the communication of invitations or inducements to participate in unrecognised collective investment schemes on the grounds that it is being issued to and/or directed at only those types of persons who are sophisticated investors and/or high net worth individuals. AMIO and CONSERO will be entitled to rely on any client categorisation you give and the information you give in connection therewith and shall have no liability to you if you provide inaccurate or misleading information for the purposes of determining that client categorisation.

You should read the offering documents of the investments in their entirety to which any Communication relates or comprises, and inform themselves of and observe all applicable laws and regulations, including any taxation or exchange control legislation, which may be relevant in connection with any investment before considering any such investment. The value of investments may go down as well as up and past performance is not necessarily a guide to future performance. Although AMIO has taken all reasonable care to ensure that the information contained within this document is accurate at the time of publication, no representation or warranty is made as to its accuracy, reliability or completeness. Information contained in any Communication may be subject to change and we cannot guarantee the validity of any statement or figure after the date of its publication.

Amio Wealth Limited is not authorised to give investment advice and as such you should consider seeking advice of an appropriately authorised or regulated financial advisor. The products and services available do not therefore offer recourse to the Financial Ombudsman Service or the Financial Services Compensation Scheme. 

The law of England and Wales governs access to and use of this website. By accessing this website, you acknowledge that you have read and understood the conditions of use, the privacy policy and have agreed to accept these conditions and you represent and warrant you satisfy any investor qualification tests required to be met by you in accessing the site or by any potential investment in any products on which information is provided.

This website is run by Amio Wealth Limited (We/Us) and we are committed to protecting and respecting your privacy.

This Privacy and Cookies Policy (this Policy) (together with our Disclaimer Agreement which contains terms of use of our website www.amiowealth.com and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data (the Data) and how we will treat it. By visiting www.amiowealth.com (our website) you are accepting and consenting to the practices described in this Policy.

For the purpose of the Data Protection Act 1998 (the Act), we are the data controller and our registered address at 7 John Street, London, WC1N 2ES (ICO Registration Number ZA253142).

The nature of the restricted regulated services (the Services) as advertised to be provided by us on our website means that we might obtain certain Data about you. This statement sets out the principles governing our use of your Data (Use). By registering and using our website generally, you agree to this Use.


Privacy Policy & Cookies

1. Information we collect from you

We will collect and process the following Data about you:

Information you give us. This is information about you that you give us by filling in forms on our website or by corresponding with us by phone, e-mail or otherwise. It includes information you provide when you register to use our website, subscribe to our online service, search for an investment product and any other activities commonly carried out on our website. The information you give us may include your name, address, e-mail address and phone number and financial information indicative of your financial standing with respect to any proposed investment you may wish to make and that we have been requested to obtain on behalf of clients.

Information we collect about you. With regard to each of your visits to our website we may  collect the following information from time to time:

2. Cookies

Our website may use cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our website. Please see below for an outline of the cookies we use on our website:

Type of Cookie Cookie Name Expires After Purpose
Site Performance
 180 days from set/update
Performance cookies collect anonymous information about how visitors use our site, for example how many visitors came to our site and when, what browsers visitors use and how long visitors stay on the site. This data does not contain any information that is personal to you.


Google Analytics: __utma 2 years from set/update
Google Analytics: __utmb 30 minutes from set/update
Google Analytics: __utmc not set
Google Analytics: __utmz
6 months from set/update

We cannot guarantee full operability of our website if you disable your cookies. For detailed information about cookies, please visit http://www.allaboutcookies.org/. 

By continuing to browse the site, you are agreeing to our use of cookies.


3. Uses made of the information

We will use this information:


4. Disclosure of your Data

For the avoidance of doubt, we will not disclose your Data to any third parties other than in accordance with this Policy and in the circumstances detailed below:


5. Where we store your personal data

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy.

All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.


6. Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data.  You can also exercise the right at any time by contacting us on +44 20 3307 1250 or at info@amiowealth.com.


7. Third Party Links

Our website may, from time to time, contain links to and from other websites. The fact that we have provided these third party links at our website does not constitute an endorsement, authorization, sponsorship or affiliation by us with respect to the third party’s website, its owners or its providers. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies.  Please check their policies before you submit any personal data to these websites.


8. Access to Data

In accordance with the Act you have the right to access any Data that we hold relating to you. Please note that we reserve the right to charge a fee of £10 to cover costs incurred by us in providing you with the information.


Contacting Us

Please do not hesitate to contact us regarding any matter relating to this Policy at Amio Wealth Limited, 3-6 Kenrick Place, London, W1U 6HD or info@amiowealth.com.

Amio Wealth Limited (FCA Number 779660) is an appointed representative of Consero Capital LLP (FCA Number: 570728), which is authorised and regulated by the Financial Conduct Authority.


Client Login

The Alternative Finance Boom

August 23, 2017

The Alternative Finance Boom

July saw a $9.1 billion reach in Europe’s alternative finance market, accumulation more than 1000 deals with the UK leading the way with almost 400 raised in the first quarter of 2017. Future Trends in U.K. Banking estimated that the UK Alternative Finance (“AI”) Finance Market is projected to reach £10 billion by 2020.

Alternative Lending platforms have become a growing phenomenon in recent years. Smaller companies are often denied credit in traditional capital markets — alternative lending provides them with the financing they need. This poses a real competition to traditional bank funding, which has higher barriers. New mechanisms, reactionary to the competitive levels and borrower demand, have boomed. Often in the shape of online platforms, which focus on peer-to-peer lending, offer larger returns than marketplace lenders (MPLs) traditionally offer.

The UK remains one of the largest contributors to the Alternative Finance (“AF”) market. AI trends are rising — equity crowdfunding has had the strongest 6 months in the first half of 2017. There is a widespread willingness from investors to put their money in UK private companies as the returns tend to be higher.

Room for growth

Small and medium-sized enterprises (SMEs) suffered a large loss due to the lack of AI awareness. According to GLI Finance’s report, £20bn were lost in 2015 to the UK economy as a result. Industry stakeholders called for the Government to address the concentration risk in the credit ecosystem over a year ago. There is still vast room for growth, nevertheless the advances have been made and there is a large focus on SMEs growth.

As SMEs play a large role in the success of the UK economy, Parliament addressed in its Fifth Special Report (October 2016) following the Governments response to the Business, Energy and Industrial Strategy Committee. Key recommendations have been put in place, namely:

1. We recommend that the Government directs resources towards promoting the SEIS, EIS and VCT schemes. This includes the British Business Bank working with HMRC to consider how to improve promotion of the scheme;

2. We recommend that the Government to identify the size of current European Investment Bank contribution in the UK economy, the timetable for current commitments, and make a clear statement on Government plans to ensure that the current level of funding will not be reduced.

3. We recommend that the Government and the British Business Bank build upon the success of the Angel CoFund, ensure it is funded adequately to meet demand, and consider how it could be expanded.

4. We recommend that the Government introduce a fifth performance indicator for the British Business Bank to assess its effectiveness in incentivising lending and investment activity in all parts of the UK.

5. We recommend that the British Business Bank explain to us, in the response to this Report, their strategy for promoting understanding of the Business Finance Guide, how it will identify and target hard to reach groups, how it will measure any increase in the awareness and take-up of alternative finance products, and its analysis of the feedback from SMEs on the Business Finance Guide. Furthermore, we recommend the Bank explain how they will analyse the volume of traffic to the online Business Finance Guide and how that will inform their strategy for increasing awareness of understanding finance options.

6. We recommend the Government sets out in its response to this Report how they intend to monitor the implementation of the Small Business, Enterprise and Employment Act 2015 and, if need be, review the Act to ensure the banks are fulfilling their obligations to provide data when they are required to.

7. We recommend that the Government explore allowing the Credit Reference Agencies and authorised finance providers access to financial data in the VAT Register, subject to the appropriate safeguards.

8. We recommend that the Government set out, in its response to this Report, the timetable for implementation of the referral scheme and how it intends to assess its success.

9. We recommend that the British Business Bank’s collection of feedback regarding the Business Finance Guide specifically seeks views on the range of alternative finance providers and the products available. We further recommend that they set out how that will inform their strategy for increasing awareness of understanding finance options, and how the alternative finance sector can be promoted among those in the accountancy, legal and banking sector involved in giving face to face advice to SMEs.

What’s next?

Since the introduction of these recommendation, progress is underway. Enterprises seeking alternative financing have a wide range of options, ranging from peer-to-peer lending to crowdfunding. The alternatives to traditional bank lending are growing, hoping to decrease the already-lowered 56% of SMEs who are not aware of the non-traditional fundraising methods available.

We would like to know the opinions of our readers surrounding SMEs and the potential growth of their funding options. If you have any recommendations or opinions you would like to share with us, email us over at info@amiowealth.com.

Elizabeth Frumson © Amio Wealth Limited (August, 2017)

Capital at Risk. No FSCS cover. See DISCLAIMER.