The Process

From Account to Investment
in Six Clear Steps.

We've designed every step to be transparent, guided, and as fast as compliance allows. Here's exactly what to expect when you join Crest Rock Finance.

For Investors

Your investment journey, step by step.

  1. 01

    Create Your Account

    Register in under five minutes. Provide your name, email, and date of birth. Choose your account type — individual investor or loan applicant. No commitment required at this stage.

    Account creation is free and requires no initial deposit.

  2. 02

    Complete KYC Verification

    Verify your identity digitally using our self-serve KYC flow. Upload your passport or driving licence, proof of address, and a short liveness check. Applications are typically reviewed within 24 hours.

    KYC is required by regulation before any investment can be made.

  3. 03

    Fund Your Wallet

    Transfer funds from your bank account to your Crest Rock Finance wallet using your unique client reference. Funds are held in segregated, ring-fenced client accounts at a regulated partner bank.

    Minimum initial deposit is £500. No maximum.

  4. 04

    Select Your Investment

    Browse available gold mining products — funds, tranches, and structured notes. Review the full product terms, indicative returns, and risk summary before committing.

    All product documents are available for download before investment.

  5. 05

    Confirm and Invest

    Confirm your investment amount and ownership structure (sole, joint, or with beneficiary designation). Sign digitally and receive your investment certificate instantly.

    Every transaction creates an immutable audit record.

  6. 06

    Manage and Withdraw

    Track your portfolio, review accruing returns, initiate share transfers, and manage withdrawals — all from your personal dashboard. Withdrawals are processed via partner bank integration.

    Withdrawal processing times depend on the product type and partner bank schedule.

For Loan Applicants

Applying for a loan.

01

Apply Online

Complete our digital loan application — personal details, loan amount, purpose, and financial information. Most applications take under 20 minutes.

02

Credit Assessment

Our underwriting team assesses your application using open banking data, credit bureau checks, and asset verification where required.

03

Receive Decision

Decisions are typically made within 48 hours. You'll receive a clear decision with full terms — including rate, repayment schedule, and any conditions.

04

Drawdown Funds

On acceptance, sign your loan agreement digitally. Funds are disbursed to your nominated account via partner bank transfer, typically within one business day.

05

Manage Repayments

All repayments are visible in your loan dashboard. Set up direct debit or repay manually. Full repayment history and statements available at all times.

Quick Answers

Common questions.

How long does KYC take?

Most KYC applications are reviewed within 24 hours. Complex cases may take up to 3 business days.

Can I invest jointly?

Yes. Two or more investors can hold products jointly with defined ownership percentages. Each co-investor manages their own portion.

When can I withdraw?

Withdrawal eligibility depends on your product type. Open-ended fund units can be redeemed quarterly. Fixed-return tranches pay out at maturity.

Is my money protected?

Client funds are held in segregated accounts. They are not covered by FSCS, but are ring-fenced from company assets at all times.

View All FAQs →

Get Started Today

Ready to get started?

Open your account in minutes. Complete KYC and invest in gold today.

Open Your AccountLearn How It Works

FCA Authorised · Segregated Accounts · No Hidden Fees