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CrowdProperty

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The UK's leading specialist property project lending platform - a profitable fintech/proptech innovator

95%
 - 
12 days left
£400,009 target
£381,049 from 365 investors
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Business overview

Location Birmingham, United Kingdom
Social media
Website www.crowdproperty.com/
Sectors Property Digital Mixed B2B/B2C
Company number 08764786
Incorporation date 6 Nov 2013
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Investment summary

Type Equity
Valuation (pre-money) £41.9M
Equity offered 0.95%
Tax relief N/A
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Business highlights

  • Funded £665m of property projects and 2,988 homes
  • 55% YoY growth in finance facilities agreed (totalling £368m)
  • Three years running in FT1000 Europe’s fastest growing companies
  • Profitable*; fundraising to fully fund a new 3-year strategy
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Key features

  • Secondary Market
  • Seedrs nominee min. £28.13 +
  • Direct investment min. £25,000.00 +

Idea

Introduction

There’s a housing crisis in the UK and developers have for years been held back by the challenge of raising finance for their projects.

Our mission is to unlock the potential of small and medium sized property developers to build more, much-needed and under-supplied homes by transforming property finance. We help developers grow their businesses quicker and drive spend in the economy on labour, materials and services.

CrowdProperty is the UK’s leading specialist property development lending platform – a multi award-winning, profitable* and disruptive fintech/proptech innovator with a scalable, customer-centric approach to the property development finance market.

*Based on unaudited management accounts

Property expertise is at the heart of the business, and our team’s 300+ years of property development experience means we deliver finance with the speed, ease, certainty, transparency and expertise that developers crave to help them succeed - ‘property finance by property people’.

We’re award winning…

… and support great housebuilding:

Monetisation strategy

CrowdProperty charges borrowers arrangement fees of 1.5-3.0% and a lending margin of 1.5-2.5%pts p.a., with a cashflow structure that ensures stability in the unlikely case of needing to fund the wind-down of the loanbook. Loan economics are laid out transparently on our website statistics page.

By successfully building routes to market, we have received over 11,500 applications worth over £11bn with more than 13,000 registered developers. This builds market position and the potential for a large and profitable lending business with powerful economies of scale:

- Low cost of acquisition
- High customer lifetime value
- A market-leading developer database
- Closer and value-adding borrower due-diligence to select the right projects
- Tighter and value-adding monitoring to increase the success of projects
- Data/analytics advantage with machine learning models
- Long-term customer relationships to help grow and grow with
- Potential for many further monetisation opportunities

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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 ("Seedrs"), which is authorised and regulated by the Financial Conduct Authority. 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 Seedrs 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 Seedrs 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.

Seedrs does not make investment recommendations to you. No communications from Seedrs, 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. Seedrs 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 Seedrs, 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 £41,900,000

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.

Pitch type

There are 5 types of investment pitch available on Seedrs.

  • Equity
  • Convertible
  • Fund
  • Cohort
  • Secondary

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.

Seedrs nominee

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

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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 Seedrs Nominee). 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.

Warning

You are following a link outside of www.seedrs.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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