Question 1

How do I open an account?

Accepted Answer

Register at app.crestrockfinance.com in under five minutes. Provide your name, email, and date of birth. You'll need to complete KYC verification before borrowing or investing, but registration itself requires no commitment.

Question 2

What do I need for KYC?

Accepted Answer

A valid government-issued photo ID (passport or driving licence), proof of address dated within the last three months (bank statement, utility bill), and a short liveness check. Corporate accounts require additional documentation.

Question 3

How long does KYC take?

Accepted Answer

Most applications are reviewed and approved within 24 hours. Complex cases — including corporate accounts and politically exposed persons — may take up to 3 business days.

Question 4

Can I have multiple accounts?

Accepted Answer

No. Each individual may hold one personal account, which gives access to both lending and investment products. Corporate entities may hold separate corporate accounts subject to additional verification.

Question 5

What if my KYC is rejected?

Accepted Answer

You'll receive a notification explaining the reason for rejection. Most rejections are due to document quality or mismatched information. You may resubmit once the issue is resolved. If you believe the rejection was in error, contact our compliance team.

Question 6

What investment products are available?

Accepted Answer

We currently offer three product types: the Gold Mining Fund (open-ended, managed), Gold Mining Tranches (fixed-term, fixed-return), and Gold Performance Notes (structured, capital-protected). Each has different minimum investments, terms, and return profiles.

Question 7

What is the minimum investment?

Accepted Answer

Minimum investments vary by product: Gold Mining Fund: £5,000. Gold Mining Tranche: £2,500. Gold Performance Note: £10,000. All minimums are per investment, not per account.

Question 8

Can I invest with someone else?

Accepted Answer

Yes. Our joint investment structure allows two or more investors to hold a product together with defined ownership percentages. Each co-investor must hold a verified account. Total ownership must equal 100%.

Question 9

How are returns paid?

Accepted Answer

Returns depend on the product type. Fund distributions are paid quarterly. Tranche returns are paid at maturity. Structured note returns depend on index performance and are defined at issuance.

Question 10

Can I add a beneficiary to my investment?

Accepted Answer

Yes. All products support beneficiary designation. Log in to your dashboard, navigate to your investment, and select Manage Beneficiaries. You can designate one or more beneficiaries with percentage allocations.

Question 11

Is my capital at risk?

Accepted Answer

Yes. All investment products carry risk. Capital is at risk and you may receive back less than you invest. The Gold Performance Note has a defined capital protection floor — see the product terms for details. Past performance is not indicative of future results.

Question 12

What loan products are available?

Accepted Answer

We lend across four categories — Personal, SME, Corporate, and Specialized finance — spanning more than 40 products for individuals, businesses, and institutions. These range from personal loans and bridging finance to development, asset-backed, and corporate facilities. Each product has its own loan size, eligibility requirements, and structure.

Question 13

How do I apply for a loan?

Accepted Answer

Apply through your account at app.crestrockfinance.com. Complete our streamlined digital application — most take under 20 minutes — and ensure your KYC verification is complete. We review your application, run a credit assessment, and communicate a decision with full rationale.

Question 14

What are the eligibility requirements?

Accepted Answer

Applicants must be aged 18 or over (individuals) or a registered business (SME and corporate products), have completed KYC on the platform, and pass a credit assessment. We accept applicants globally, in jurisdictions where Crest Rock Finance is permitted to operate. Specialized and asset-backed products require valid security.

Question 15

How quickly can I get a decision?

Accepted Answer

Personal loan decisions are typically made within 48 hours. SME, corporate, and specialized facilities may take up to 5 business days depending on the complexity of the credit and security assessment.

Question 16

How do loan repayments work?

Accepted Answer

Repayments follow a clear schedule set out in your loan agreement before you sign. Personal loans use fixed monthly repayments. Bridging and development facilities may be interest-only with a defined exit, while corporate and specialized facilities are structured to the deal. Your full repayment schedule is visible in your dashboard.

Question 17

Is there an origination fee?

Accepted Answer

Some loan products carry an origination (arrangement) fee, which is disclosed transparently before you accept any offer. Where a fee applies, it is shown alongside your rate and representative example so you can see the total cost of borrowing up front. There are no hidden fees.

Question 18

Can I repay early?

Accepted Answer

Yes. Personal loans carry no early repayment penalty. Bridging, development, corporate, and specialized facilities may have defined early repayment conditions — these are stated explicitly in your loan agreement.

Question 19

Are loans regulated?

Accepted Answer

Yes. Like all activity on the platform, our lending is provided through Crest Rock Finance as an appointed representative of Goldcrest Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. FRN 810649. You can verify our status on the FCA Financial Services Register at https://register.fca.org.uk/.

Question 20

How do I withdraw funds?

Accepted Answer

Navigate to your wallet in the dashboard and select Withdraw. Enter the amount and confirm your linked bank account. Withdrawals are processed via our partner bank integration.

Question 21

How long do withdrawals take?

Accepted Answer

Wallet withdrawals typically arrive within 1–3 business days. Investment redemptions depend on the product's liquidity schedule — fund units redeem quarterly, tranches at maturity.

Question 22

Is there a withdrawal limit?

Accepted Answer

Minimum withdrawal from your wallet is £100. The standard daily limit is £50,000. Higher amounts require a request via our compliance team and may be subject to extended AML review.

Question 23

What bank details do I need to provide?

Accepted Answer

You must link a UK bank account in your name. Sort code and account number are required. International bank accounts are not currently supported for withdrawals.

Question 24

How is my money protected?

Accepted Answer

Client funds are held in segregated accounts at a regulated partner bank — entirely separate from Crest Rock Finance company funds. They are not covered by the FSCS but are ring-fenced from company insolvency.

Question 25

How is my data protected?

Accepted Answer

All personal data is encrypted with AES-256 at rest and in transit (TLS 1.3). We process data only for stated purposes in compliance with UK GDPR. We do not sell personal data to third parties.

Question 26

Is Crest Rock Finance regulated?

Accepted Answer

Yes. Crest Rock Finance is an appointed representative of Goldcrest Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. FRN 810649. You can verify our status on the FCA Financial Services Register at https://register.fca.org.uk/.

Question 27

What happens if Crest Rock Finance ceases to operate?

Accepted Answer

Client funds are segregated from company assets and would not be affected by Crest Rock Finance insolvency. In the event of wind-down, funds would be returned to clients in accordance with the regulatory and legal framework applicable at the time.

Frequently Asked
Questions.

Account & KYC

Investments

Loans

Withdrawals

Security & Trust

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