Loan Notes — Fixed-Rate Returns
Lend to CM Beyer at fixed interest rates from 3.0% to 7.0% p.a. Terms from 3 months to 10 years. Open to qualifying investors from £1,000.
Do not invest unless you are 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. This promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of the property or other assets invested.
The Opportunity
CM Beyer Limited is offering unsecured loan notes to qualifying investors. You lend money to the Company at a fixed interest rate for a fixed term. The Company repays the principal with interest at maturity or on a quarterly basis.
Loan notes are debt, not equity. You do not acquire shares, voting rights, or ownership. Proceeds fund working capital, growth initiatives, service expansion, and operational investment across the UK and Australia.
The Company has traded profitably since incorporation, declared 3 dividends totalling £336.14 in distributions, operates three service divisions, and publishes its governance framework, Articles of Association, ESG commitments, and full dividend history publicly.
Rates & Terms
Rates are tiered by term length. Longer commitments attract higher rates. All rates are fixed at the point of subscription.
| Term | Rate (p.a.) | Interest | Minimum |
|---|---|---|---|
| 3 months | 3.0% | On maturity | £1,000 |
| 6 months | 3.75% | On maturity | £1,000 |
| 12 months | 4.5% | Quarterly | £1,000 |
| 2 years | 5.0% | Quarterly | £1,000 |
| 3 years | 5.5% | Quarterly | £1,000 |
| 5 years | 6.25% | Quarterly | £2,500 |
| 10 years | 7.0% | Quarterly | £5,000 |
Returns Calculator
Standard Terms
Key Risks
Capital at risk. Unsecured. In insolvency, unsecured creditors rank behind secured creditors and HMRC. You may lose all of your investment.
Liquidity. Not listed on any exchange. Cannot be easily sold. Capital may be locked for the full term.
No FSCS. Not covered by the Financial Services Compensation Scheme.
No FCA. CM Beyer is not FCA-authorised. This promotion relies on FPO 2005 exemptions.
No FOS. You may not have access to the Financial Ombudsman Service.
Business risk. Repayment depends on trading performance. Past performance is not a guarantee.
Concentration. Investing a large portion of wealth in one unsecured instrument increases risk.
Early-stage. Incorporated 2026. Profitable but limited operating history.
Key person. Sole director. Loss of key person could impact operations.
Documents
Investor Self-Certification
This opportunity is restricted to qualifying investors under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.
High Net Worth Individual — Article 48
I declare that I am a high net worth individual for the purposes of Article 48 of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.
I understand that this means: (a) I may receive financial promotions not approved by an FCA-authorised person; (b) content may not conform to FCA rules; (c) by signing I may lose significant rights; (d) I may have no right to complain to the FCA or the Financial Ombudsman Service; (e) I may have no right to seek compensation from the Financial Services Compensation Scheme.
I confirm at least one applies:
Self-Certified Sophisticated Investor — Article 50A
I declare that I am a self-certified sophisticated investor for the purposes of Article 50A of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005.
I understand that this means: (a) I may receive financial promotions not approved by an FCA-authorised person; (b) content may not conform to FCA rules; (c) by signing I may lose significant rights; (d) I may have no right to complain to the FCA or the Financial Ombudsman Service; (e) I may have no right to seek compensation from the Financial Services Compensation Scheme.
I confirm at least one applies:
Expression of Interest
Not a commitment. We will contact you to discuss terms and provide formal documentation.
✓ Received
We will contact you within 2 business days. No commitment has been made.
About CM Beyer
Marketing and business management consultancy. Three divisions, UK and Australia.
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