The Flower Bond is a way for Freddie’s Flowers to raise money to help our business grow. You are invited to invest in the Flower Bond and in return we will pay you a fixed rate of interest, either in cash or in flower boxes.

The Flower Bond is a mini bond, an unsecured investment which carries risk as it is not backed by property or other assets. It also is not protected from loss by the Financial Services Compensation Scheme.

For further information on mini bonds, including details of risks associated with mini bond investments and details of the information you should know before investing in mini bonds, please refer to the FCA’s website: https://www.fca.org.uk/consumers/mini-bonds

Proceeds from the Flower Bond will enable us to accelerate our expansion plans through improving our customer offering and taking advantage of some clear market opportunities.

The UK flower market is blooming, and we think we offer something different, so we'd love to continue to grow by spreading the joy of flowers to more people, offering more to our members, and creating more jobs whilst championing sustainability.

When it came to deciding how best to fund the next stages of our growth, we made a very deliberate decision to find a way of involving our members more closely in our continuing growth via an opportunity to invest whilst also offering an attractive rate of return.

When investing in the Flower Bond, you can choose to invest in our Flower Box Bonds, our Cash Bond or a combination of the two.

Flower Box Bonds – annual interest rate of 7.5% gross, paid net of withholding tax in the form of flower boxes. 

Cash Bonds – annual interest rate of 5.0% gross, paid net of withholding tax in cash twice a year.

Applications for the Cash Bond are in multiples of £2,500 subject to a minimum investment of £2,500.

Whichever option you choose, after four years your Flower Bond is repayable by providing six months' notice prior to the four year anniversary of the Flower Bond (we will remind you well in advance of this).

If you invest £25,000 or more, you will also receive membership of the Freddie’s Flowers Rose Club, entitling you to a whole range of additional benefits.

Before making an Application, you will need to complete an Investor Categorisation form and a short Appropriateness Questionnaire. This is a requirement of the Financial Conduct Authority’s rules to ensure that you understand the nature of the investment you wish to make. Interest is payable net of withholding tax at the basic rate (currently 20%).

Yes you can.

If you invest in a Cash Bond, whilst we would love to welcome you as a member, you will not be required to become one as your interest will be paid in cash.

For Flower Box Bonds, we will invite you to become a member to receive your Flower Credits when we issue your Bond Certificate, shortly after the application process has closed.

If you would like to become a member immediately then we'd love to welcome you, however please be aware that your Flower Credits won't be applied to your account until we have issued your Bond Certificate (shortly after the application process closes).

Anyone who meets our investor suitability and appropriate client classification criteria can invest in the Flower Bond – not just existing Freddie’s Flowers members.

However, there is a two-week priority period from the opening of the bond until 5pm on 20 October 2020, during which applications from existing Freddie’s Flowers members will be prioritised over non-members, should the Bond be oversubscribed in that time.

When you invest in the Flower Bond, depending on which option you choose, we will pay you interest either at 7.5% gross per annum in flower boxes (credited yearly in advance to your Freddie's Flowers member account) or 5.0% gross per annum paid twice yearly in cash. Interest is payable net of withholding tax at the basic rate (currently 20%).

After you submit your application, you will receive an email from Lygo Capital, on behalf of our Receiving Agent, to process the payment for the investment via BACS transfer. Once completed, you will receive another email confirming the details of the investment. You will also receive an email from Freddie's Flowers, welcoming you as a bondholder.

We will then email you to confirm the Flower Bond’s closure at 1pm on 17 November (or when we meet our maximum target, if that happens first).

Shortly after the Flower Bond closes, we will email you your official Flower Bond Certificate. If you have invested in the Flower Box Bond and Cash Bond, you will be provided with two separate Flower Bond Certificates.

If you have invested in the Flower Box Bond, your first Flower Credits will be credited to your account when your Flower Bond Certificate is issued. Further Flower Credits will be credited to your account in advance annually for the lifetime of the Flower Box Bond. We will send you an email to let you know each time your account has been credited.

If you are not a member, we will send you an email to sign up as a member of Freddie's Flowers when your Bond Certificate is issued. We would love to welcome you as a member before then if you wish to sign up immediately (however your Flower Credits will not be applied to your account until your Bond Certificate is issued).

If you have invested in the Cash Bond, you will receive notification and payment of your first interest payment 6 months after the date on your certificate. Further cash interest payments will then be made at 6 month intervals. Payments of interest will be made in cash by way of bank transfer, facilitated by our Receiving Agent.

Yes you can.

Whether you are an existing member of Freddie's Flowers or not, you can allocate your Flower Credits to your spouse or child's Freddie's Flowers Member account.

If you would like to do this, please complete your application and then contact us at flowerbond@freddiesflowers.com.

Please contact us at flowerbond@freddiesflowers.com.