Investing Your Money on Crowdcube

Investing just got exciting

Crowdcube is a revolutionary platform that enables anyone to invest in British businesses alongside professional investors and VCs without any middlemen or fees. You can try and pick an equity stake in the next big thing or earn a better return on your savings by lending to more established businesses that need funding to grow. The choice is yours.

  • Become an investor and share in future success of the business

  • You decide how much you want to invest; from as little as £10

  • Choose from a variety of businesses that you can invest in

Three Great Ways to Invest...

The UK's No.1 Investor Platform

Join Europe's largest network of angel investors backing great British businesses on Crowdcube. Our innovative and award-winning service enables everyday people to invest alongside professional investors for the first time.

  • Join our growing 75,000+ investor community
  • People, like you, have invested over £11 million for 47 UK businesses in the first half of 2014
  • Pick from a variety of new investment opportunities, all vetted by Crowdcube analysts
  • No investor fees, either up-front or on exit
  • Crowdcube is authorised and regulated by the Financial Conduct Authority
Steve Smith Founder of Poundland

Invest in Great British Businesses

Accessible, affordable and rewarding

Crowdcube simplifies investment that has, until now, been limited to the wealthy and well-connected. You can invest in well-known, proven entrepreneurs like Poundland founder, Steve Smith; DatingDirect.com boss Darren Richards; celebrity-chef Michel Roux Jr, serial tech entrepreneur Brett Akker, or TV presenter and designer Kevin McCloud who have collectively raised over £5 million for their next ventures on Crowdcube. Or you can try and spot the next big name in business, hot sector or great idea from a host of pre-vetted start-up and early stage businesses seeking investment on Crowdcube each month.

Investing can produce great returns

With Crowdcube you can aim to pick an equity stake in the next big thing, let a professional do it for you or get a regular steady return by lending to more established businesses.

A study by Nesta revealed returns for angel investors across a diversified portfolio is 2.2 times the investment.

Your Returns for...

Equity

Investing in start-up and early stage businesses is risky, but the returns are potentially great if you’re diligent and diversify. With over 300 pitches listed each year, Crowdcube is the perfect place to find the right investments for you to build a diversified portfolio.

Mini-Bond

If equity is too risky then you can aim to get a fixed return, typically between 6-8 interest p.a. by lending to more established organisations. Of course, no bond is completely safe but they do present an opportunity to get regular interest on your investment from a company you may know.

Why Investors love Crowdcube

Invest alongside experienced private investors like the venture capital firm who backed Shazam, DN Capital; Dan Germain, the global head of brand and creative at innocent drinks; or Hilary Fitzgerald, former vice-president at Morgan Stanley, who are just some of the people turning to Crowdcube to invest.

Crowdcube make investing accessible, affordable and rewarding. You invest directly in companies you love from a diverse range listed on Crowdcube, without the middleman or their investment fees (either upfront or on exit).

Find out what some of our 75,000+ savvy investors love about investing on Crowdcube in the following video.

Each month around 65% of investments are from existing investors. Highlighting their satisfaction with Crowdcube and the quality of deal flow.

"Crowdcube is a breath of fresh air"

Rupa Gantra, business owner &
Crowdcube investor

Investor Protection

We're confident that entrepreneurs listed on Crowdcube have the best intentions and will treat investors fairly and without prejudice. However, in the unlikely event things don't go to plan it is important that you're protected. Company Law already gives minority shareholders class rights and protects them against unfair prejudice from unscrupulous behaviour. What's more, you may also get full voting and pre-emption rights depending on the investment giving you even greater protection.

With Crowdcube, every investor becomes a direct shareholder in the company you invest, giving you greater autonomy, control and rights; without a middleman or their fees. Good quality deal flow is vital to your investment strategy. That's why we verify key statements made on every pitch to ensure that its 'fair, clear and not misleading' before putting it live. Your research and judgement is still vital but it's reassuring to know we're checking things too.

Managing Your Risk

Investing in businesses listed on Crowdcube is risky, but it can be rewarding and deliver healthy returns if you are diligent and diversify. Crowdcube is the perfect place for you to either build your own portfolio of equity investments or enlist the help of our professional fund manager to do the hard work for you. Alternatively you can opt to invest in a Mini-Bond, which deliver regular returns and are usually for more established growth business making them less risky than equity. Learn more about the risks.

Generous Tax Reliefs

You can get up to 50% tax relief on your equity investment in the form of EIS (Enterprise Investment Scheme) or SEIS (Seed Enterprise Investment Scheme). EIS Relief can be claimed on investments up to £1,000,000 in one tax year giving a maximum tax reduction in any one year of £150,000, provided you have sufficient Income Tax liability to cover it. For SEIS it's even more generous with relief of 50% on investments up to £100,000 per tax year in qualifying shares. What's more, Capital Gains Tax (CGT) relief may also be available if you sell, give away, exchange or otherwise dispose of your shares. Find out more about EIS and SEIS here.

Equity

Invest in high growth start-up and early stage businesses from a diverse variety of sectors in return for an equity share and the potential of big returns. Named the UK's 'most active seed investor' in 2013 by Beauhurst, and home to more than 75,000 registered investors, our innovative and award-winning service enables everyday people to invest alongside professional investors and build diversified investment portfolios with ease.

Returns can potentially be high if you're diligent and diversify but it isn't without risk. A Nesta study revealed that diversification is a prudent strategy noting an overall return of 2.2 times the capital invested if you build a broad portfolio. With over 300 pitches live each year, Crowdcube is the ideal place to diversify your risk.

Over 120 Businesses Successfully Funded

If you are interested in equity investments then take a look at our current listings.

View our current listings

You may benefit from generous tax relief up to 50 per cent where EIS or SEIS is eligible. What's more, there are no investment fees, either upfront or when the company exits - it's your money, your risk and your reward.

The Crowdcube Venture Fund

Let an experienced, objective and qualified professional fund manager do all the hard work. We’ve teamed up with Strathtay Ventures who have over 15 years’ worth of expertise and a strong track record of investing in start-up and early stage businesses like the ones listed on Crowdcube. Whilst investing in the fund won't remove all of the risk, the independent Investment Committee who will select the investments will build you a dedicated tax efficient (EIS and SEIS), carefully selected portfolio – up to 10 businesses – from the companies listed on Crowdcube. Exclusively available to Crowdcube members, investing via the Venture Fund offers you a unique and easy way to invest in the exciting world of crowdfunding with the extra reassurance that your money is invested, managed and monitored for you by an independent professional fund manager.

  • Investments selected and managed by an independent and experienced Fund Manager
  • Build a diversified portfolio - up to 10 investments
  • Receive six-monthly updates and portfolio valuations
  • Five year fund with a 7% preferred rate of return*
  • Investing in start-ups is high risk
  • Invest from just £2,500

So if you want to invest in British businesses but simply don’t have the time to do your own due diligence, or are eager to build an investment portfolio but are unsure where to invest, then this could be the perfect solution for you.

* The preferred rate of return (7%) is the point at which the fund manager takes a share of the profits. Any returns over 7% are split 80:20 with the investor taking the larger part.

About Strathtay

Strathtay Ventures is the investment management subsidiary of Braveheart Investment Group plc. Established in 1997, Strathtay has a strong and tangible track record of investing in unquoted growth companies. As at 31 March 2013 Strathtay has delivered realisations which include London stock market listings (with the two largest market capitalisations being £425m), trade sales and secondary purchases. The Group currently has approximately £120m of funds under management across various regional and national funds.

Download the Investment Memorandum to find out more.

Download

The Fund Manager: Geoffrey Thomson

A founder of Braveheart and its CEO, Geoffrey is a highly experienced fund manager and deal maker. A recognised authority on SME investment, he has written extensively for national newspapers and regularly speaks at business events.

Geoffrey is on the board of the UK Government's £50 million Angel CoFund and will be Chairman of the Crowdcube Venture Fund's Investment Committee, alongside two highly experienced investment professionals.

Mini-Bonds

With Crowdcube you can get a steady fixed-rate income from your investments by lending to more established businesses. Traditionally aimed at institutional investors and out of reach of everyday investors; mini-bonds are a way for you to lend money to more well-known brands over a set period, typically 4-5 years, in return for interest repayments.

John Lewis, Hotel Chocolat, King of Shaves, Naked Wines, River Cottage and Chilango have, amongst others, all chosen this innovative route to finance their growth in recent years.

  • Lend money to more establish brands
  • Earn a regular fixed income, typically between 6-8% interest p.a.
  • Your initial investment repaid in a lump sum at the end of the term
  • Get exclusive rewards from the issuing company

For example, say you invest £1,000 in a mini-bond, with interest 8% per annum and a term of four years. This means you’ll receive a total of £80 of interest per year for the next four years, or £320 in total. When the bond matures after four years you’ll get your £1,000 back. Mini-bonds put your capital at risk; they are unsecured, non-convertible and non-transferable. 

If you are interested in Mini-bonds then take a look at our current listings.

View our bond Listings
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Investing in start-ups and early stage businesses involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdcube is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest via Crowdcube once you are registered as sufficiently sophisticated.

Please click here to read the full Risk Warning.

This page has been approved as a financial promotion by Crowdcube Ventures Limited, which is authorised and regulated by the Financial Conduct Authority. Investments can only be made on the basis of information provided in the pitches by the companies concerned. Crowdcube takes no responsibility for this information or for any recommendations or opinions made by the companies.