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WiseAlpha

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WiseAlpha is a Fractional Corporate Bond trading platform and institutional technology services provider.

165%
 - 
Funded 30 May 2023
£1,000,001 target
£1,664,067 from 666 investors
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Business overview

Location London, United Kingdom
Social media
Website www.wisealpha.com
Sectors Finance & Payments Digital Mixed B2B/B2C
Company number 08967521
Incorporation date 31 Mar 2014
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Investment summary

Type Equity
Valuation (pre-money) £38.8M
Equity offered 4.09%
Tax relief

EIS

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Business highlights

  • Wisealpha is an innovator of fractional bond trading technologies
  • Our bond market lists over 140 corporate bonds in GBP and EUR
  • We are integrating our technology into a bank with 1m customers
  • Recently announced an institutional partnership with Titan Wealth
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Key features

  • Secondary Market
  • Nominee investment min. £10.88 +
  • Direct investment min. £50,000.00 +

Idea

Introduction

WiseAlpha has built one of the world's first digital Fractional Corporate Bond Trading marketplaces for individuals to access institutional corporate bonds electronically.

Our fractional bond platform is similar in concept to fractional share trading platforms seeking to democratise access to high-cost shares.

We are part of the emerging e-trading revolution in the multi-trillion corporate bond market.

We have two business lines powered by our leading technology.

1) Individual client platform

Our marketplace enables investors to access institutional corporate bonds of large UK corporates in sizes of £100 rather than the usual £100,000 minimum trade size.

2) Institutional partnerships and licensing

We also license our trading technology to banks and institutions. We have built API-based technology which allows rapid connections with wealth managers, banks and digitally native wealth-techs/neobanks.

Substantial accomplishments to date

● FCA regulated & ISO 27001 compliant, providing security standards similar to a large institution.

● Award-winning platform - winning Best Investment Provider at the British Banking Awards 2018, 2019 and 2021 and Best alternative investment platform 2021 - Good Money Guide awards.

● Wealth management portal - enables wealth managers to manage client portfolios and trade fractional bonds

● Fantastic reviews - 97% Excellent or Great customer rating on Trustpilot

● Over 140 bonds in GBP and EUR

● Robo-manager - gives the investor the ability to choose from 2 preset portfolios and then tailor the companies and industries to their portfolio preferences.

● Building white-label solutions for a leading bank (non-UK) with 1 million customers in their region. Scheduled to launch in H2 2023.

● Announced a partnership with an acquisitive wealth management group Titan Wealth.

Monetisation strategy

The Firm's strategy revolves around monetising its leadership position in fractional bond technology by:

● Licensing our technology to banks and institutions and earning annual recurring revenue from i) the license and ii) transaction fees based on volume and iii) maintenance and custom software/tech/feature upgrades.

● As a preferred vendor to institutions, we can also cross-sell other technology products.

● We have strategic synergies with banks and their wealth management units.

● Aim to grow our own fractional bond marketplace through customer acquisition and API-based partnerships. We earn revenue from the volume of Fractional Bonds purchased and serviced by the platform.

Use of proceeds

We intend to use the proceeds of the capital raise to:

● Hire additional software engineers to support the integration of our platform into a growing partnership pipeline of banks and institutions.

● Develop further features and enhancements.

● Bolster the company's capital position until our targeted revenue, from institutional partnerships, starts to accelerate in the second half of 2023.

● Hire selectively in other areas to support the mission of the company.

* A portion of the investment reflected in this campaign was received by the Company in the 6 months prior to the launch of the investment round on Seedrs and the Company has started putting this to use.

Key Information

Share Classes

The company currently has 3 classes of shares, Ordinary A, Ordinary B and Ordinary C. All investors in this round, including Seedrs investors, will be receiving Ordinary B shares.

All shares rank parri passu with the same economic rights. Ordinary C shares do not carry voting rights.

FCA Regulated

WISEALPHA TECHNOLOGIES LIMITED, with company number 08967521, is fully authorised to hold and control client money by the FCA, since Sept 2016.

https://register.fca.org.uk/s/firm?id=001b00000...

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Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Only shareholders can access this page

If you successfully purchase a share lot of this business, you will be granted access.

Buy shares

Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future.

This campaign for WiseAlpha has been approved by Seedrs Limited (trading as Republic Europe) ("Republic Europe", "us" or "we"), as of 3 April 2023 as a financial promotion. Republic Europe is authorised and regulated by the Financial Conduct Authority with firm reference number 550317. In approving this campaign, Republic Europe has concluded that the information, taken as a whole, is "fair, clear and not misleading." This means that for factual statements we have reviewed evidence of their accuracy, and that for aspirational statements we believe they are phrased appropriately in light of their speculative nature. You should note that in the case of factual statements, the evidence we review is provided by the business, and we do not audit it, which means that we may not be able to identify forged or altered evidence. You should further note that in the case of aspirational statements, the nature of the type of businesses presented on the Republic Europe platform is such that they are likely to have high ambitions, and we may approve statements that convey those ambitions even where we do not believe, or we do not have a view on whether it is likely, that they will be fully realised. The pre-money valuation and investment sought in the campaign are those set by the business: they are not reviewed or established by us, and the valuation is not an independent view of what the business is worth. Given the nature and type of businesses presented on the Republic Europe platform, it is possible that the business has very little cash remaining prior to receiving this investment, and the investment sought may be necessary for the business's on-going existence.

Republic Europe does not make investment recommendations to you. No communications from Republic Europe, through this website or any other medium, should be construed as an investment recommendation. Further, nothing on this website shall be considered an offer to sell, or a solicitation of an offer to buy, any security to any person in any jurisdiction to whom or in which such offer, solicitation or sale is unlawful. Republic Europe does not provide legal, financial or tax advice of any kind. If you have any questions with respect to legal, financial or tax matters relevant to your interactions with Republic Europe, you should consult a professional adviser.

Tax Relief (SEIS)

This business is eligible for SEIS relief - providing qualifying investors with income tax relief of 50% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Tax Relief (EIS)

This business is eligible for EIS relief - providing qualifying investors with income tax relief of 30% of their investment and certain other tax reliefs. Tax treatment depends on individual circumstances and is subject to change in future. Click to learn more.

Valuation (pre-money)

Valuation rounded from £38,824,857

This is the fully-diluted pre-money valuation of the business (i.e. before the new investment comes in and including issued options and other equity interests). In contrast, the post-money valuation is based on inclusion of the new investment in the value.

It is calculated as the pre-money valuation plus the amount of new investment. e.g. If Company A is ascribed a pre-money valuation of £1,200,000 by prospective investors investing £300,000, its post-money valuation is £1,500,000.

The investee business is responsible for setting its own valuation, it has not been prescribed by Seedrs.

Pitch type

Investing in a regular equity campaign is the simplest and most common way to invest in a startup. You decide which business you want to invest in, and if the campaign hits its funding target then you will become one of their shareholders. As the company becomes more valuable, so do your shares; allowing you the opportunity to share in the future success of the business.

Learn more about pitch type on Seedrs

Equity Offered

The equity offered is the percentage of the company’s shares being issued in return for the amount of investment raised.

When the amount raised is less than 100%, the equity offered is based on the target raise. Once the company has raised over 100% it is based on the total raised.

In some scenarios, entrepreneurs may accept additional direct investment after closing their Seedrs campaign. Provided this is within 6 months of the closing and on the same terms, we do not typically offer pre-emption rights on that extra investment (where you have the opportunity to invest again to maintain your percentage shareholding).

Learn more about investing and pre-emption rights.

Nominee investment

This shows if you are able to choose, when making an investment, that you be represented by, and your shareholding be managed by, the Nominee investment.

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Custodian

If you invest in this Campaign, Seedrs will act as Custodian rather than provide our standard nominee service. This is due to the fact that the business is not directly involved in the share sale and Seedrs will not benefit from any rights under a shareholder agreement. As a result, Seedrs will handle administrative tasks as we do normally, but you will not have information or voting rights, updates from the business, preemption on future fundraising, or ongoing support about business trading activity.

Learn more about Custodian here

Secondary market

This shows if the business has opted-in or opted-out of allowing its shares to be bought and sold on the secondary market.

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Direct investment

This is an option to invest and hold shares 'directly' in the company (rather than via the Nominee investment). This option is only available to those investing over the threshold amount, which is determined by the fundraising company.

If you choose to hold your shares directly, you will be responsible for any contractual or administrative arrangements with the company you are investing in.

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Payment options

We are not able to accept card payments for investments into this sector. You can pay for your investment by creating a bank transfer, using funds in your investment account or create a Pay by Bank payment. Your investment will only be completed once the funds have reached our account.

Business Involvement

This Campaign offers shares for sale in business that is not directly involved in this Campaign or the sale. As a result, the Campaign and post-investment experience, including investor rights, will differ from a business-led campaign on Seedrs. Most notably, the business will not engage with investors in the discussion forums both during and after the sale or provide any updates to investors.

Learn more here

Payment options

We are not able to accept Pay by Bank payments for investments into this sector. You can pay for your investment with a card payment, by creating a bank transfer or by using funds in your investment account. Your investment will only be completed once the funds have reached our account.

Drawdowns

This campaign offers the ability to pay for an investment by drawdowns.

Security Token

A security token is a digital asset that represents ownership or other rights. It is a digital form of traditional investments. In the future, you may be able to trade your investment through compatible exchanges.

Warning

You are following a link outside of europe.republic.com.

None of the information in constitutes part of the campaign and it has not been approved or reviewed by Seedrs.

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