Risk Disclosure

Last updated: March 2026

This Risk Disclosure statement is provided to all prospective and existing investors in Govantage Limited. You should read this document carefully before making any investment decision.

Capital Risk

Your capital is at risk. The value of your investment may go down as well as up. You may not get back the full amount you invest. Govantage investments are not deposits and are not covered by the Financial Services Compensation Scheme (FSCS) or any other compensation or guarantee scheme.

Returns Not Guaranteed

Quoted interest rates are targets, not guarantees. Actual returns depend on the continued performance of the van rental business, including occupancy rates, rental income collection, vehicle values, and operating costs. Returns may be lower than projected, delayed, or not paid at all in adverse circumstances.

Illiquidity

Investments are for a fixed term and are not readily realisable. There is no secondary market for Govantage investments. You should only invest money that you can afford to have tied up for the agreed term and that you could afford to lose entirely.

Asset Risk

While investments are secured against physical fleet vehicles, the value of these assets can depreciate, be damaged, stolen, or become uneconomical to operate. Insurance may not cover all losses. Vehicle residual values are subject to market conditions.

Business Risk

Govantage is a trading business subject to normal commercial risks including: changes in demand for van rental, competition, regulatory changes, driver default on rental payments, increases in operating costs, and general economic conditions.

Regulatory Risk

Changes in law, regulation, or tax treatment may adversely affect the value of your investment or the returns available. This includes changes to income tax rates, the Personal Savings Allowance, and financial services regulation.

No Financial Advice

Govantage does not provide financial advice. The information provided on our website and in our communications is for general information purposes only and should not be construed as financial advice. You should consult an independent financial adviser before making any investment decision.

Diversification

You should not invest more than you can afford to lose and should ensure your investment portfolio is appropriately diversified. Concentrating your savings in a single investment or asset class increases your risk.

Past Performance

Past performance is not a reliable indicator of future results. Historical rental yields and vehicle performance data should not be relied upon as a guarantee of future returns.

Conflicts of Interest

Govantage has a commercial interest in attracting investment capital. While we strive to act fairly and transparently, you should be aware that our interests and yours may not always be perfectly aligned.

By proceeding with an investment, you confirm that you have read and understood this Risk Disclosure and accept the risks described.

For questions, contact invest@govantage.uk.