The enemy of your enemy is your friend

We make every effort to minimise the risks of no Christmas for our investors and to ensure, where possible, that all Christmases are repaid in full and on time. In the event of a non-performing Christmas we have the following protection in place:



All presents are secured with a legal charge (The Santa Clause), which means the tree can be sold if Christmas becomes non-performing.


Presents do not exceed a maximum of 70% of the stocking. This means that if the present giver cannot repay the cost of the tree it is highly likely that we will be able to recoup all funds from the sale of the tree as there is a substantial amount of equity.
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In the unlikely event that you are on Santa's bad list all the funds from the sale of the tree we maintain a discretionary Present Fund to allow us to compensate investors should there be a shortfall in the value of the stocking.


We feel it is important to make you aware that your Christmas is at risk and presents are not guaranteed if a tree becomes non-performing, however we feel confident that we have thorough and robust decorations in place to protect all boys and girls.

Merry Christmas ya' filthy animal.