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Crowdtolive®

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You can own your home without incurring debt whilst investors can get the rewards of property investment.

205%
 - 
Funded 16 Aug 2021
£250,004 target
£515,447 from 396 investors
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Business overview

Location London, United Kingdom
Social media
Website crowdtolive.com
Sectors Finance & Payments Digital B2C
Company number 10347767
Incorporation date 26 Aug 2016
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Investment summary

Type Equity
Valuation (pre-money) £11.9M
Equity offered 4.13%
Tax relief

EIS

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Business highlights

  • 7,000+ Users
  • Part of Barclays Eagle Lab
  • Selected for Qatar Fintech Hub Accelerator Programme
  • FCA regulated
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Key features

  • Secondary Market
  • Nominee investment min. £16.60 +

Idea

Introduction

CrowdToLive® is a game changing FCA regulated fintech company committed to revolutionising residential property financing and investment.

4 in 10 young homeowners have had a mortgage application rejected and, for most people, this is the end of the road until they are able to increase their deposit or improve their financial situation.

We are tackling the affordability crisis head-on with our innovative equity based solution that harnesses the power of shared ownership to help potential homebuyers acquire their dream home, debt free.

Our platform, CrowdToLive®, does this by facilitating a circular flow of finance between buy to let investors and the homebuyers. The result is a fruitful debt-free partnership for all.

Through our platform, buyers can own their home without incurring debt whilst investors can reap the rewards of the housing market without the hassle of tenant management.

Substantial accomplishments to date

*We have been selected to be part of several Accelerator programmes such as:

- Virgin Start Up Accelerator Programme.

- Barclays Eagle Lab Accelerator Programme, providing us with exposure to the Barclays ecosystem.

- London&Partners International Growth Programme, connecting the company with growth markets around the world.

- Qatar Fintech Hub Accelerator programme, helping the company raise capital and build a distribution network in the gulf region.

- Natwest Accelerator Programme.

*We have build a community of over 7,000 users with a limited marketing budget.

* Our community has submitted over 2,600 properties for a value of circa GBP600 millions.

* We are currently discussing potential partnership with a handful of GCC based banks.

*After being initially an appointed representative, we acquired our FCA license back in August 2019.

Monetisation strategy

We believe our fee structure is simple and effective at generating strong revenue streams. We currently have 3 revenue streams:

- An upfront fee of 3% on each transactions funded on the platform
- A fee of 2% charged every month on the rent collected
- An exit fee of 1% paid by the home buyer each time they increase their ownership in the property

As we are financing peoples home, a great deal of trust is built with our community and down the line we are looking at using open banking to offer more financing and investment products to our community.

Use of proceeds

The proceeds of the round will allow us to accelerate our development by investing in the following areas:

- Legal and tax review to support international expansion (10%)

- Business Development (15%)

- Adding key hires to the team (40%)

- IT infrastructure: We are looking at migrating the platform to a micro service structure and leverage the Open banking opportunity to increase the life time value of each customers (25%)

- Marketing: We will invest in brand awareness and customer acquisition in the UK and abroad, to accelerate our growth (10%)

This round should allow us to prepare the company for our series A funding later on in 2021/Q1 2022

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

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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 webpage has been approved as a financial promotion by Seedrs Limited (trading as Republic Europe) ("Republic Europe"), which is authorised and regulated by the Financial Conduct Authority with firm reference number 550317. It is not intended to be a promotion of any individual investment opportunity and is not an offer to the public. The summary information provided about investment opportunities on this webpage is intended solely to demonstrate the types of investments available on the Republic Europe platform, and any investment decision should be made on the basis of the full campaign. Full campaigns are available to investors who have become authorised to invest on the Republic Europe platform. All investment activities take place within the United Kingdom, and any person resident outside the United Kingdom should ensure that they are not subject to any local regulations before investing.

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 £11,896,473

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.

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