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243%
Raised
£243,060
Investors
502
Target
£100,000
Equity
8.70%
Pre-money valuation
£2,550,000

Charm is on a mission to change the way the world invests. Our peer-to-peer impact investment platform empowers individuals to earn financial returns and benefit society by making life-changing loans to entrepreneurs in developing economies who are working towards a cleaner, brighter future.

  • Operational P2P impact investment platform
  • 5 live projects across 2 continents
  • £496k secured to date from grants and foundations
  • Empowered 1,883 people and 59 business with renewable electricity

Idea

1.8 billion people lack access to electricity or are connected to an unreliable grid. An estimated $450 billion of investment is needed to ensure no one is left in the dark.

Meanwhile, people are searching for ways to make an impact with their investments. Morgan Stanley estimates that 85% of people are interested in sustainable investing.

The Solution

Charm enables individuals to fund projects led by high-impact entrepreneurs selling clean energy solutions in developing economies.

Investors can

- Help early-stage entrepreneurs grow their businesses

- Support the transition to a climate-resilient future

- Earn triple bottom line returns: social, environmental & financial

- View a transparent, personalised impact investment dashboard

Poised for growth

- Operating a fee-based model, earning 7-11% revenue per loan

- Secured £496k grant funding to develop platform, refine offering & provide growth capital

- More than 60% of our early adopters have re-invested

- Established a scalable platform

- Strong pipeline of investment opportunities

- In progress to becoming an appointed representative of an FCA authorised entity post this funding round

This funding enables team expansion, platform development & raising brand awareness.

Being part of Charm is about harnessing the power of a movement; everyone can play a part in building a cleaner, brighter future. Together, we can make an impact.

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Risk warning

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.

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Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

Charm Impact has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Enterprise Investment Scheme (EIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 30 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.