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 minutes to learn more.
Risk information

Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.

 

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
    • By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money.
    • Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing.
    • These investments are sometimes 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 property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money.
    • You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy.

  4. This is a complex investment
    • This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made.
    • You may wish to get financial advice to understand how the structure works before deciding to invest.

  5. Don’t put all your eggs in one basket

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

For further information about minibonds, visit the FCA’s website here.

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Our company
Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities.
Contact us
Learn more
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About us
Our mission, vision and purpose
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Team
We're an experienced team of real estate and investment professionals
 
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Careers
Take your career to the next level
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Partnerships
Partner with us to increase access to real estate investing

Company - About us

Next level investing

Shojin is a fractional property investment platform. We share opportunities for global investors to gain exceptional returns. Our approach is proven to outperform mainstream investments. 

Contact us

Our story

Looking towards a future filled with promise.

Here at Shojin we're proud of our 15-year track record, and we have ambitious plans for future. 

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2009: Shojin Capital launch
Our original company launched as Shojin Capital, developing property and inviting 'friends and family' investors to join.
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2015: Switch to backing external developers
We began the shift from investing in our own projects, towards backing other developers requiring junior funding.
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2017: FCA authorisation
Shojin was awarded FCA authorisation, and our online investment platform was launched.
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2023: Over £60m+ raised through the Shoijn platform
We raised more than £60m through our platform, to fund projects worth over £615m of gross development value.

Mission

To be the #1 global marketplace for fractional real estate investing.

Purpose

To share next level real estate opportunities for global investors to build their wealth.

Vision

A world where real estate investing is more fair, transparent and accessible to everyone.

Values

The Shojin Way.

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We dare to be different.
Each and every day we challenge norms and express our thoughts without fear of judgement. We think outside the box.
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We make hard work look smooth.
Stay on top of the intricate details to land the big picture; remain cool-headed and adapt to uncertainty.
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We believe it pays to share.
We strive to earn the trust of our investors and partners through consistent communication and delivering results.
Jatin Ondhia
Co-founder and CEO
Noil Porter
CFO
Igor Gorbatsevich
Head of Digital
Nadav Albin
Head of Lending
Jacky Chan
Head of Investments
James Hall
Portfolio Manager
Jonathan Self
Director, Origination
Dimicke Le Masson
Group Financial Controller
James Mumberson
Head of Marketing
Sahib Sharma
Investment Analyst, Origination
Sam Tibbins
Senior Analyst, Origination
Tahleel Khan
Digital Investor Relations
Oliver Boag
Associate Director, Origination
Hugo Smyly
Investor Relations
Ruben Powar
Data Scientist
Thanuja Yogarajan
Finance Operations Analyst
Kirat Dhillon
Private Clients
Ronny Lai
Director, Quantitative Strategies
Dipti Shah
Employment and HR Counsel
Ronak Shah
East Africa Partner
Wayne Hiley
Board Member

Awards & recognition

It's nice to be noticed

Our most important achievement is always a happy investor - but we've picked up some commendations and recognition over the years. 

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Bridging Lender of the Year 2023
We were delighted to win Bridging Lender of the Year at the P2P Finance Awards 2023
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Innovative Lender of the Year 2023
We were highly commended as an innovative lender at the P2P Finance Awards 2023
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Power 50
The Peer2Peer Finance News Power 50 recognises the most influential individuals in the peer-to-peer lending sector who have propelled their growth during the year. The list shines a spotlight on the individuals that head the fastest growing and largest platforms as well as those that are rife with innovation.
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Micro Business of The Year
Celebrates micro businesses punching above their weight for growing businesses that have demonstrated strong revenue growth and a product or service of a quality that stands above competitors.
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Investor of the year - Finalist
We were nominated as a finalist in the 2021 Property Week Student Accommodation Awards
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Financier of The Year, Residential - Finalist
We were nominated as a finalist in the 2021 RESI Awards as recognition for our continued effectiveness in the residential development sector
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TOP 50 High Growth Scale Up
We achieved ‘Club Member’ status at the prestigious SVC2UK 2021 Scale Up Club in 2021, bolstering our position as a high-growth company

Go further with Shojin

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More opportunity
No management fees. Smaller sums to take part. Lowered barriers for access.
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Shared risk
Shojin puts own funds into projects. We share in the risk and rewards together
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Knowledge
We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop.
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Wealth
You get paid out before we do. You’remore likely to gain higher returns than traditional, inflexible investing routes.