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Yielders

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We lower the barriers of entry to a traditionally inaccessible asset class: real estate.

133%
 - 
Funded 12 Aug 2019
£500,005 target
£686,178 from 479 investors
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Business overview

Location London, United Kingdom
Social media
Website yielders.co.uk
Sectors Property Digital Mixed B2B/B2C
Company number 09757611
Incorporation date 2 Sep 2015
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Investment summary

Type Equity
Valuation (pre-money) £10M
Equity offered 6.28%
Tax relief N/A

Idea

Introduction

We're setting a new standard in a $3.2 trillion market.

Yielders' award-winning real-estate investment platform is the UK's first Islamic finance-friendly FinTech company, regulated by the FCA. The rise of FinTech across the world is providing everyday people access to alternative financial opportunities.

Our platform aims to deliver consistent returns for the conscientious, modern investor.

We aim to serve a global demand for alternative and ethical investing - our business model has provided our users with regular rental income consistently on the 1st of every month for 36 months (and counting!) as well as competitive returns on development projects.

We provide hassle-free property investments, with predefined lease agreements which offer users a steady income. Assets are expertly sourced in regions where there is strong projected capital appreciation, allowing investors to benefit from all aspects of a real-estate investment without any of the headaches of being a landlord.

Intended impact

Following the 2008 financial crisis, investors expect more than the traditionally misleading and complex investment offerings. That's where Yielders comes in. We're transparent, ethical and effective.

Our mission is to continue to lower the barriers of entry to a classically inaccessible asset class, with real-estate investment opportunities from as little as £100. We don't rely on debt, interest, banks or mortgages.

Yielders appeals to two key target markets:
- Savvy investors looking for alternative, ethical investment products
- International investors equating to a $3.2tn market from the GCC, South-East Asia and Europe in search of halal investment opportunities

Nearly 80% of GCC investors agree that the UK is one of the top overseas property investment destinations - owing to the nation's strong capital growth.

We believe that our product offerings and dual regulation will allow us to further tap into the demand of global investors wishing to invest into the UK property market.

Substantial accomplishments to date

- In 2017 Yielders received FCA authorisation; making us the first FCA authorised Islamic finance-friendly FinTech company

- We have developed and maintained our own critical IP including an in-house property investment platform with proprietary technology

- Yielders received the 2017 Islamic Economy Award in the Money and Finance category presented by the royal family of Dubai

- Yielders were finalists twice for the EFICA Innovative Finance award sponsored by Thomson Reuters

- In 2018 we were presented with IFN's global award for Best Islamic Crowdfunding Platform

- The Economic Secretary to the Treasury, John Glen MP, commended Yielders' contribution to the UK Islamic Finance Industry in 2018

- Mentioned in the Business Cloud's 101 Fintech disruptors for 2018

- Mentioned in the FathomLondon 2018 article '12 companies at the heart of London's Fintech boom'

- We also won the 2019 Best Halal Investment Platform by Wealth & Finance - News publication

- Gained authorisation in Norway, Luxembourg and the Netherlands preparing us for the uncertain Brexit climate

- Investor returns paid on the 1st of every month for 36 months (and counting!)

- We've completed over £6m Assets Under Management (AUM)

- We have secured £20m of new property dealflow which will be made available to our customers this year.

Monetisation strategy

Our platform has an existing range of robust and reliable live products which have been delivering returns for our investors for more than three years.

At Yielders, instead of charging interest on loans to deliver returns, we charge a flat platform and management fee. When the asset is sold, we charge a 15% profit share, aligning to the core ethical principles of fairly sharing in risk and reward.

For high-net worth and ultra-high net worth investors, we offer 2.5% fees on structuring investment opportunities but an increased profit share of 15-30% dependent on asset sale price.

By developing these strategies, we plan offer institutions large-scale equity-based projects at a competitive rate of a 2.5% structuring fee, and 15-30% profit share.

Our technology is built and continually being developed all in-house.

Use of proceeds

We have received overwhelming positive feedback from our clients, achieving a reinvestment rate of 67%. However, we want to do more. With your support, we are looking to grow the business in 4 key areas:

✓ Product development
We plan for our product suite to include a fund/multi-asset special purpose vehicle, as we aim to achieve Alternative Investment Fund Manager (AIFM) status. We also plan to develop ISA/SIPP products and deposit accounts which will provide more sophisticated investment products and appeal to larger institutions.

✓ Invest in technology
Technology is at our core. We will be strengthening our infrastructure, enhancing the platform and plan on delivering an open banking API, to ensure our technology is future-proof and continuously developing.

✓ Addition of talent
Enhance product delivery by adding top talent to our teams across technology, partnerships and investor relations.

✓ Enter Markets and Grow
Build our presence across the UK, GCC and the global Islamic Market.

Please note, the company has outstanding Director's loans totalling £171,200. None of the funds raised will be used to repay these loans.

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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

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 Yielders has been approved by Seedrs Limited (trading as Republic Europe) ("Republic Europe", "us" or "we"), as of 17 June 2019 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 £10,004,118

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.

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

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