The Innovative Finance ISA, or IFISA, lets you invest in lending platforms and receive interest tax-free. You can now transfer any existing ISAs and invest up to £20,000 in the 2021/22 tax year into Shojin projects and benefit from tax savings on any returns you receive.

Investing through IFISAs is a great way of diversifying your investment strategy and taking advantage of tax incentives which helps you grow your capital.

Setting up your IFISA through our platform is quick, simple and free.

Why choose an IFISA?

Tax free returns

Invest your full 2020/21 allowance of £20,000 and enjoy tax-free returns.

Easy to transfer

Transferring any existing ISAs into Shojin projects is straightforward and quick.

No fees

It is completely free to open an Innovative Finance ISA with Shojin.

How does it work?

Open account

Open an IFISA account on our platform in minutes.


Choose from our wide variety of IFISA eligible projects.

Earn returns

Sit back and relax while your returns are delivered tax-free.