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281%
Raised
£2,813,650
Investors
1548
Target
£1,000,000
Equity
22.92%
Pre-money valuation
£9,460,015

FCA-authorised WiseAlpha aims to be a world-first market, offering everyday investors access to senior secured and high yield investments in companies like Virgin Media, Ocado and Vodafone. Since its second Crowdcube raise in 2017, the company has placed over 75 investments yielding between 3-15%.

  • Digital bond marketplace for everyday investors
  • High-quality asset class focus - senior secured/high yield bonds
  • Aiming to disrupt a multi-trillion global market
  • Winner of 2018 Best Investments Provider (British Banking Awards)

Idea

WiseAlpha aims to be a world-first digital fixed income market (www.wisealpha.com).

Everyday investors can now access individual senior secured and high-yield investments in the multi-trillion pound institutional bond market without needing £100k-£200k per single investment. We strive to aid the liberalisation and digitisation of the corporate debt markets which, we believe, despite being one of the biggest financial segments is vastly under-served by the Fintech community.

Institutional bonds differ to 'retail corporate bonds' issued via the London Orb which, in our view, are less attractive with lower interest yields and longer maturities.

Achievements so far:

- Directly FCA authorised and regulated in Sept 2016

- Winner of Best Investments Provider at the British Banking Awards (2018)

- High profile press including City AM, Moneyweek, The FT, and Bloomberg

- Over 4,000 registered members and growing

- Over 75 different investments made with market leaders e.g. Virgin Media, Ocado, Vodafone, yielding 5-15%

- Launched SIPP account product

- Beta-launched Automated Investing with our 'Robowise' product for testing

- Planning to launch European investments in beta imminently

- Built an API that will allow digital banks and wealth managers to connect to our market/partner with us

We aim to continue liberalising more markets, further automate, create ISAs, and build our presence in Europe.

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Risk warning

Investments of this nature carry risks to your capital, including illiquidity, lack of dividends and dilution. Balance risk with a diversified portfolio. Read more. Approved as a financial promotion by Crowdcube Capital Limited, which is authorised and regulated by the Financial Conduct Authority.

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.

WiseAlpha 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.