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StepLadder

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StepLadder is a fast growing and award-winning fintech dedicated to helping people buy their first home.

90%
 - 
25 days left
£125,000 target
£112,700 from 189 investors
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Business overview

Location London, United Kingdom
Social media
Website joinstepladder.com/
Sectors Finance & Payments Digital Mixed B2B/B2C
Company number 10052693
Incorporation date 8 Mar 2016
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Investment summary

Type Convertible
Discount 20%
Share price N/A
Tax relief

EIS

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Business highlights

  • 90% of Members get their deposit faster than saving alone
  • Huge market - 350,000+ UK first-time buyers annually
  • 40%+ quarterly growth | ~£900,000 in member funds | 75+ Circles
  • Multi-award winning | 5-star reviews | Backed by BBVA Anthemis
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Key features

  • Secondary Market
  • Seedrs nominee min. £10.00 +
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  • Idea
  • Key Information
  • Team
  • Updates
  • Investors 189
  • Discussion
  • Documents

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Idea

Introduction

StepLadder is a game changing and award winning fintech company committed to solving a huge societal and generational problem - buying your first home.

We are tackling the housing crisis head-on with our innovative and powerful “StepLadder Circles” to help first-time buyers raise their property deposits and supporting them through a process which is usually lonely, stressful and opaque.

How it works...

StepLadder Circles are based on a Rotating Savings and Credit Association model (ROSCA), which Co-Founder Matt studied in Brazil for his graduate thesis in 2006. Informally used by many communities around the world, the ROSCA harnesses the power of community to help people reach their savings goals faster and keeps them disciplined to stay on track.

The opportunity to change lives goes way beyond home buying in the UK as the Circles can be used for other expenses e.g. cars, electronics, healthcare. StepLadder’s digital ROSCA can meaningfully disrupt personal finance.

Monetisation strategy

We generate revenue in the following ways:

• Membership Fees: we charge a recurring fee to cover the cost of service

• Mortgage Origination: our mortgage advisor partners pay us a fee for each Member who uses them

• Referral Fees: we introduce our Members to solicitors, surveyors and other service providers who pay us a referral fee

• Licensing Fees: as we develop global partnerships in this next phase of our growth, we aim to generate revenue from partners who want to white label our platform

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Investing carries risks, including loss of capital and illiquidity. Please read our Risk Warning before investing.

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.

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© Seedrs Limited 2021. All rights reserved. Seedrs is a registered European Community trademark (No. 008771537) and registered United States service mark (No. 85423072) of Seedrs Limited, a limited company registered in England and Wales (No. 06848016), with registered office at Churchill House, 142-146 Old Street, London EC1V 9BW, United Kingdom, VAT No. GB 208 3065 32. Seedrs.com is a website owned and operated by Seedrs Limited.

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For information on how Seedrs uses your personal data, please review our Privacy Notice.
Seedrs small logo

Seedrs Limited is authorised and regulated by the Financial Conduct Authority (No. 550317).

© Seedrs Limited 2021. All rights reserved. Seedrs is a registered European Community trademark (No. 008771537) and registered United States service mark (No. 85423072) of Seedrs Limited, a limited company registered in England and Wales (No. 06848016), with registered office at Churchill House, 142-146 Old Street, London EC1V 9BW, United Kingdom, VAT No. GB 208 3065 32. Seedrs.com is a website owned and operated by Seedrs Limited.

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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.
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 rounded from Convertible

Pitch type

There are 4 types of investment pitch available on Seedrs.

  • Equity
  • Convertible
  • Fund
  • Secondary

Investing in a convertible campaign allows you to invest today, with your investment converting into equity in the future, at a discount compared to other investors.

Learn more about pitch type on Seedrs.

Seedrs nominee

This shareholding type is available with this raise.

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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 shareholding type is available and the minimum investment required to select it.

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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 or by using funds in your investment account. Your investment will only be completed once the funds have reached our account.