There are two ways in which an investment-regulated scheme can provide financial support for a sponsoring employer. A key principle is that they do not rely on tax relief for their advantage, rather they provide the employer with more independence from commercial lenders.

8.10.1 Loanback

The facility to borrow from the sponsoring employer’s scheme provides the employer with valuable independence. Although the loan must be provided on a properly underwritten and commercial basis, it does offer access to money which may from time to time be in short supply in the commercial market.

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