Documents
Investor fact sheet
A direct portfolio opportunity, set out on one page: what the return is, how it is made, what the portfolio is built from and what stands behind it.
- Fixed annual return
- 11% Paid every three months in arrears.
- Additional return
- 50% Of the success fees Bowland receives.
- Target term
- 24 months Smallest investment £10,000.
Last reviewed 17 September 2026.
The opportunity
Investor funds are paid to Bowland Legal Portfolio Limited. Following approval, anti-money laundering checks and receipt of cleared funds, Bowland deploys capital to participating law firms against identified funded cases, under the definitive portfolio and security documents.
The firms we fund are solicitors practising in England and Wales, subject to the Solicitors Regulation Authority and to its rules on client money and conduct. They keep conduct of the legal work throughout and stay responsible for progressing every client's case.
How the investor makes money
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The fixed annual return
A fixed return of 11% a year, paid every three months in arrears. The rate applies for the whole of the investment and does not move with how the cases go.
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The additional return
The investor receives 50% of the success fee actually received by Bowland on each funded case allocated to them, worked out before any of Bowland's own costs come off, and paid after Bowland has received cleared funds. It follows the cases rather than a schedule, so it arrives as and when they resolve, and it may be nothing at all.
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Capital repayment
Original capital is targeted for repayment at the end of the target term, subject to the cases completing and to the definitive documents. What happens at the end is agreed with you rather than something that happens on its own.
What the portfolio is built from
- Motor finance redress claims, assessed under the methodology the Financial Conduct Authority has set out for them.
- Irresponsible lending claims, assessed under the Consumer Credit Act 1974 and the lending standards that sit alongside it.
- A granular portfolio of identified legal receivables, rather than reliance on a single large claim.
What the claims rest on
Motor finance redress rests on an industry-wide methodology rather than on a case-by-case argument: Policy Statement PS26/3 sets out how these claims are to be assessed. The timing of an individual claim may vary, and the framework it is assessed under does not.
Irresponsible lending claims are assessed under the Consumer Credit Act 1974, including section 140A, together with the creditworthiness requirements in the CONC sourcebook. Outcomes remain specific to each case.
What stands behind the capital
- Capital cover of up to 75% of deployed investor capital is intended to be included. The insurer is still to be confirmed, and no cover applies unless and until a final policy has been issued and remains in force.
- Security over the contractual fee and receivable interests attributable to the funded cases allocated to you.
- Independent validation of every claim before capital is deployed against it.
- A granular portfolio, built to spread exposure rather than concentrate it.
- Portal access showing your allocation, how the cases are progressing, what has been recovered and what has been paid.
About the target term
The target term is the period the underlying portfolio is expected to run for. The timing of individual legal claims can vary, so final realisation of the portfolio may happen later than that where one or more allocated claims take longer than expected to conclude or to pay.
Where capital is still outstanding after the target term, the investor keeps their rights in respect of the allocated portfolio, including the contractual step-in and enforcement rights provided for in the definitive participation and security documents. The fixed return continues to apply to capital still invested until it is repaid, subject to those documents.
What the portal shows you
- Funded cases, and how much of your capital is allocated to each.
- Live progress: where each case has got to, what is due next and what has been done.
- Performance: what has been recovered and what capital has come back.
An illustration
Illustrative investment
£100,000
Over a target term of 24 months
- Fixed return over the target term
- £22,000
- Additional return
- Variable
Capital, plus £22,000, plus the additional return.
It shows the fixed-return arithmetic only. It is an illustration rather than a forecast, and nothing here promises a return: the additional return may be nothing, and both repayment and return depend on what the cases recover and on the definitive documents.
Master terms
- Instrument
- Secured portfolio participation
- Fixed annual return
- 11% a year
- Additional return
- 50% of the success fees Bowland receives
- Target term
- 24 months
- Payments
- Paid every three months, in arrears
- Smallest investment
- £10,000
- Capital cover
- Up to 75% of deployed capital, insurer to be confirmed
What this page is, and is not
This page sets out standard terms. The terms of any actual arrangement are the ones in the definitive documents provided to you and agreed with you, and where anything here differs from those documents, the documents are what count.
Nothing on this page is an offer to the public, an invitation to enter into any arrangement, or investment, legal, tax or financial advice. It takes no account of your circumstances, because we do not know them. Anybody considering an investment of this kind should take independent professional advice first.