CapitalRise

CapitalRise is a UK-based financial institution specializing in real estate investments in London. The platform offers investors direct access to property-backed opportunities via investments in senior and mezzanine loans and equity products. Since its launch in 2016, CapitalRise has facilitated over £305.19 million in investments (excluding bank financing), with £223 million already returned to investors. In the past year, the platform has funded £92 million, averaging £7.75 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors meeting the UK criteria with real estate investments in London. Each investment at CapitalRise is established under a separate subsidiary property company (SPV). Investors can use Finance ISA for tax-free returns, investing up to £20,000 per year or transferring funds from existing ISAs.^[2] The platform offers investment in three categories of products:

• Senior loans: Investors lend up to 60% of the property’s value. In this scheme, capital is at risk only if the property’s value decreases by 40%.
• Mezzanine loans: These debt instruments typically have Loan-to-Value (LTV) ratios ranging from 60% to 75%, with mezzanine loans designed to bridge the gap between senior debt and equity financing.
• Equity: CapitalRise’s equity product let's investors buy shares in a Special Purpose Vehicle (SPV) tied to a property project. When the property is sold and the investment period ends, investors receive their capital back plus a share of the profits.

CapitalRise currently has 4 property development projects open for investment, with amounts ranging from £1.99 million to £8.4 million, and a minimum investment starting at £1,000.^[3] Investment duration ranges from 9 to 24 months. The platform offers various repayment schedules based on each project’s terms. For debt products, investors may receive payments either quarterly or as a lump sum of capital and accrued interest upon maturity. For equity investments, the capital and any potential appreciation are returned at the end of the investment term.^[4] CapitalRise withholds tax at a 20% rate on investments that pay interest quarterly.^[5]

The platform does not have an auto-invest feature but provides access to a secondary market via a Bulletin Board for investors looking to sell before the term ends. A fee of 1.5% of the sale amount is charged.^[6] CapitalRise is a UK company regulated by the FCA. While investments are not covered by the FSCS compensation scheme, uninvested funds held as client money are protected up to £85,000 per person under the FSCS deposit scheme.^[7]

Among the current investments available, CapitalRise offers an effective annual interest rate ranging from 9.5% to 11%. In the event of delays in property development projects or loans, CapitalRise provides investors with accrued interest until full repayment. The platform does not charge any transaction fees to investors.

On the other hand, fundraisers incur fees ranging from 7-13% for senior debt and mezzanine loans, 12% for preferred equity, and 18% for joint venture equity. Additional costs include 0.2% for property valuation and 0.1% for legal fees.^[8]

CapitalRise was founded by Uma Rajah, a fintech pioneer, along with Alex Michelin and Andrew Dunn, who are both co-founders of Finchatton, a luxury property design and development firm. Since 2001, Finchatton has developed over £2 billion worth of luxury properties in prime central London and around the world.^[9]

The platform is owned and controlled by CapitalRise Finance Ltd, which is incorporated in London, UK. Among the three co-founders, Uma Rajah, Alex Michelin, and Andrew Dunn, Board Director Matthew Robertson, Finance Director Stuart Peel, and Edward Linton Orf are shareholders of the company.

CapitalRise successfully raised funds via the equity crowdfunding platform Republic, formerly known as Seedrs. In its most recent funding round in July 2023, the company achieved an impressive valuation of £42.2 million, with shares offered at £49.18 each. Across three separate rounds on Seedrs, CapitalRise secured over £5.7 million from 1,148 investors.^[10]

CapitalRise experienced strong growth in FY23, repaying £135 million to investors with no losses, delivering an average return of 8.3%. The platform’s loan book grew by 70%, trading income rose 66%, and a £20 million funding line was secured. The July 2023 equity raise on Republic (Seedr) brought in £1.74 million, 74% above target, boosting net assets by 285%. The company saw a 50% increase in headcount and achieved profitability in the last quarter, generating £4 million in trading income and growing its loan book to £150 million. With over £5 million in net assets, including £3 million in liquid funds, CapitalRise is well-positioned. The platform has received a significant number of inquiries and started FY24 with a strong deal pipeline.^[11]

CapitalRise recently achieved two major award wins. CEO Uma Rajah was named ‘Female Entrepreneur of the Year’ at the Enterprise Awards in London, and the platform was recognized as ‘Property Lender of the Year (Under £20 million)’ at the PROPS Awards. The PROPS Awards highlight excellence in the UK property industry while raising funds for disadvantaged children.^[12] These achievements reflect CapitalRise’s rapid growth in property finance and follow three consecutive years of being named the Best Alternative Finance Provider by the British Bank Awards.^[13]

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “IFISA”
3. CapitalRise: “Investments - Open for investments”
4. CapitalRise: “FAQ: How and when do I get paid?”
5. CapitalRise: “Key Risks: Taxation”
6. CapitalRise: “FAQ: What happens if I change my mind about my investment?”
7. CapitalRise: “Key Risks: Compensation Scheme”
8. CapitalRise: “FAQ: What are the costs of raising finance and what fees do I have to pay?”
9. CapitalRise: “About”
10. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
11. Company House UK: “CAPITALRISE FINANCE LIMITED - Filing history”
12. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”
13. Smart Money People: “British Bank Awards”

CapitalRise is a UK-based financial institution specializing in real estate investments in London. The platform offers investors direct access to property-backed opportunities via investments in senior and mezzanine loans and equity products. Since its launch in 2016, CapitalRise has facilitated over £305.19 million in investments (excluding bank financing), with £223 million already returned to investors. In the past year, the platform has funded £92 million, averaging £7.75 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors meeting the UK criteria with real estate investments in London. Each investment at CapitalRise is established under a separate subsidiary property company (SPV). Investors can use Finance ISA for tax-free returns, investing up to £20,000 per year or transferring funds from existing ISAs.^[2] The platform offers investment in three categories of products:

• Senior loans: Investors lend up to 60% of the property’s value. In this scheme, capital is at risk only if the property’s value decreases by 40%.
• Mezzanine loans: These debt instruments typically have Loan-to-Value (LTV) ratios ranging from 60% to 75%, with mezzanine loans designed to bridge the gap between senior debt and equity financing.
• Equity: CapitalRise’s equity product let's investors buy shares in a Special Purpose Vehicle (SPV) tied to a property project. When the property is sold and the investment period ends, investors receive their capital back plus a share of the profits.

CapitalRise currently has 4 property development projects open for investment, with amounts ranging from £1.99 million to £8.4 million, and a minimum investment starting at £1,000.^[3] Investment duration ranges from 9 to 24 months. The platform offers various repayment schedules based on each project’s terms. For debt products, investors may receive payments either quarterly or as a lump sum of capital and accrued interest upon maturity. For equity investments, the capital and any potential appreciation are returned at the end of the investment term.^[4] CapitalRise withholds tax at a 20% rate on investments that pay interest quarterly.^[5]

The platform does not have an auto-invest feature but provides access to a secondary market via a Bulletin Board for investors looking to sell before the term ends. A fee of 1.5% of the sale amount is charged.^[6] CapitalRise is a UK company regulated by the FCA. While investments are not covered by the FSCS compensation scheme, uninvested funds held as client money are protected up to £85,000 per person under the FSCS deposit scheme.^[7]

Among the current investments available, CapitalRise offers an effective annual interest rate ranging from 9.5% to 11%. In the event of delays in property development projects or loans, CapitalRise provides investors with accrued interest until full repayment. The platform does not charge any transaction fees to investors.

On the other hand, fundraisers incur fees ranging from 7-13% for senior debt and mezzanine loans, 12% for preferred equity, and 18% for joint venture equity. Additional costs include 0.2% for property valuation and 0.1% for legal fees.^[8]

CapitalRise was founded by Uma Rajah, a fintech pioneer, along with Alex Michelin and Andrew Dunn, who are both co-founders of Finchatton, a luxury property design and development firm. Since 2001, Finchatton has developed over £2 billion worth of luxury properties in prime central London and around the world.^[9]

The platform is owned and controlled by CapitalRise Finance Ltd, which is incorporated in London, UK. Among the three co-founders, Uma Rajah, Alex Michelin, and Andrew Dunn, Board Director Matthew Robertson, Finance Director Stuart Peel, and Edward Linton Orf are shareholders of the company.

CapitalRise successfully raised funds via the equity crowdfunding platform Republic, formerly known as Seedrs. In its most recent funding round in July 2023, the company achieved an impressive valuation of £42.2 million, with shares offered at £49.18 each. Across three separate rounds on Seedrs, CapitalRise secured over £5.7 million from 1,148 investors.^[10]

CapitalRise experienced strong growth in FY23, repaying £135 million to investors with no losses, delivering an average return of 8.3%. The platform’s loan book grew by 70%, trading income rose 66%, and a £20 million funding line was secured. The July 2023 equity raise on Republic (Seedr) brought in £1.74 million, 74% above target, boosting net assets by 285%. The company saw a 50% increase in headcount and achieved profitability in the last quarter, generating £4 million in trading income and growing its loan book to £150 million. With over £5 million in net assets, including £3 million in liquid funds, CapitalRise is well-positioned. The platform has received a significant number of inquiries and started FY24 with a strong deal pipeline.^[11]

CapitalRise recently achieved two major award wins. CEO Uma Rajah was named ‘Female Entrepreneur of the Year’ at the Enterprise Awards in London, and the platform was recognized as ‘Property Lender of the Year (Under £20 million)’ at the PROPS Awards. The PROPS Awards highlight excellence in the UK property industry while raising funds for disadvantaged children.^[12] These achievements reflect CapitalRise’s rapid growth in property finance and follow three consecutive years of being named the Best Alternative Finance Provider by the British Bank Awards.^[13]

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “IFISA”
3. CapitalRise: “Investments - Open for investments”
4. CapitalRise: “FAQ: How and when do I get paid?”
5. CapitalRise: “Key Risks: Taxation”
6. CapitalRise: “FAQ: What happens if I change my mind about my investment?”
7. CapitalRise: “Key Risks: Compensation Scheme”
8. CapitalRise: “FAQ: What are the costs of raising finance and what fees do I have to pay?”
9. CapitalRise: “About”
10. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
11. Company House UK: “CAPITALRISE FINANCE LIMITED - Filing history”
12. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”
13. Smart Money People: “British Bank Awards”

CapitalRise is a UK-based financial institution specializing in real estate investments in London. The platform offers investors direct access to property-backed opportunities via investments in senior and mezzanine loans and equity products. Since its launch in 2016, CapitalRise has facilitated over £305.19 million in investments (excluding bank financing), with £223 million already returned to investors. In the past year, the platform has funded £92 million, averaging £7.75 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors meeting the UK criteria with real estate investments in London. Each investment at CapitalRise is established under a separate subsidiary property company (SPV). Investors can use Finance ISA for tax-free returns, investing up to £20,000 per year or transferring funds from existing ISAs.^[2] The platform offers investment in three categories of products:

• Senior loans: Investors lend up to 60% of the property’s value. In this scheme, capital is at risk only if the property’s value decreases by 40%.
• Mezzanine loans: These debt instruments typically have Loan-to-Value (LTV) ratios ranging from 60% to 75%, with mezzanine loans designed to bridge the gap between senior debt and equity financing.
• Equity: CapitalRise’s equity product let's investors buy shares in a Special Purpose Vehicle (SPV) tied to a property project. When the property is sold and the investment period ends, investors receive their capital back plus a share of the profits.

CapitalRise currently has 4 property development projects open for investment, with amounts ranging from £1.99 million to £8.4 million, and a minimum investment starting at £1,000.^[3] Investment duration ranges from 9 to 24 months. The platform offers various repayment schedules based on each project’s terms. For debt products, investors may receive payments either quarterly or as a lump sum of capital and accrued interest upon maturity. For equity investments, the capital and any potential appreciation are returned at the end of the investment term.^[4] CapitalRise withholds tax at a 20% rate on investments that pay interest quarterly.^[5]

The platform does not have an auto-invest feature but provides access to a secondary market via a Bulletin Board for investors looking to sell before the term ends. A fee of 1.5% of the sale amount is charged.^[6] CapitalRise is a UK company regulated by the FCA. While investments are not covered by the FSCS compensation scheme, uninvested funds held as client money are protected up to £85,000 per person under the FSCS deposit scheme.^[7]

Among the current investments available, CapitalRise offers an effective annual interest rate ranging from 9.5% to 11%. In the event of delays in property development projects or loans, CapitalRise provides investors with accrued interest until full repayment. The platform does not charge any transaction fees to investors.

On the other hand, fundraisers incur fees ranging from 7-13% for senior debt and mezzanine loans, 12% for preferred equity, and 18% for joint venture equity. Additional costs include 0.2% for property valuation and 0.1% for legal fees.^[8]

CapitalRise was founded by Uma Rajah, a fintech pioneer, along with Alex Michelin and Andrew Dunn, who are both co-founders of Finchatton, a luxury property design and development firm. Since 2001, Finchatton has developed over £2 billion worth of luxury properties in prime central London and around the world.^[9]

The platform is owned and controlled by CapitalRise Finance Ltd, which is incorporated in London, UK. Among the three co-founders, Uma Rajah, Alex Michelin, and Andrew Dunn, Board Director Matthew Robertson, Finance Director Stuart Peel, and Edward Linton Orf are shareholders of the company.

CapitalRise successfully raised funds via the equity crowdfunding platform Republic, formerly known as Seedrs. In its most recent funding round in July 2023, the company achieved an impressive valuation of £42.2 million, with shares offered at £49.18 each. Across three separate rounds on Seedrs, CapitalRise secured over £5.7 million from 1,148 investors.^[10]

CapitalRise experienced strong growth in FY23, repaying £135 million to investors with no losses, delivering an average return of 8.3%. The platform’s loan book grew by 70%, trading income rose 66%, and a £20 million funding line was secured. The July 2023 equity raise on Republic (Seedr) brought in £1.74 million, 74% above target, boosting net assets by 285%. The company saw a 50% increase in headcount and achieved profitability in the last quarter, generating £4 million in trading income and growing its loan book to £150 million. With over £5 million in net assets, including £3 million in liquid funds, CapitalRise is well-positioned. The platform has received a significant number of inquiries and started FY24 with a strong deal pipeline.^[11]

CapitalRise recently achieved two major award wins. CEO Uma Rajah was named ‘Female Entrepreneur of the Year’ at the Enterprise Awards in London, and the platform was recognized as ‘Property Lender of the Year (Under £20 million)’ at the PROPS Awards. The PROPS Awards highlight excellence in the UK property industry while raising funds for disadvantaged children.^[12] These achievements reflect CapitalRise’s rapid growth in property finance and follow three consecutive years of being named the Best Alternative Finance Provider by the British Bank Awards.^[13]

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “IFISA”
3. CapitalRise: “Investments - Open for investments”
4. CapitalRise: “FAQ: How and when do I get paid?”
5. CapitalRise: “Key Risks: Taxation”
6. CapitalRise: “FAQ: What happens if I change my mind about my investment?”
7. CapitalRise: “Key Risks: Compensation Scheme”
8. CapitalRise: “FAQ: What are the costs of raising finance and what fees do I have to pay?”
9. CapitalRise: “About”
10. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
11. Company House UK: “CAPITALRISE FINANCE LIMITED - Filing history”
12. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”
13. Smart Money People: “British Bank Awards”

CapitalRise is a UK-based financial institution specializing in real estate investments in London. The platform offers investors direct access to property-backed opportunities via investments in senior and mezzanine loans and equity products. Since its launch in 2016, CapitalRise has facilitated over £305.19 million in investments (excluding bank financing), with £223 million already returned to investors. In the past year, the platform has funded £92 million, averaging £7.75 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors meeting the UK criteria with real estate investments in London. Each investment at CapitalRise is established under a separate subsidiary property company (SPV). Investors can use Finance ISA for tax-free returns, investing up to £20,000 per year or transferring funds from existing ISAs.^[2] The platform offers investment in three categories of products:

• Senior loans: Investors lend up to 60% of the property’s value. In this scheme, capital is at risk only if the property’s value decreases by 40%.
• Mezzanine loans: These debt instruments typically have Loan-to-Value (LTV) ratios ranging from 60% to 75%, with mezzanine loans designed to bridge the gap between senior debt and equity financing.
• Equity: CapitalRise’s equity product let's investors buy shares in a Special Purpose Vehicle (SPV) tied to a property project. When the property is sold and the investment period ends, investors receive their capital back plus a share of the profits.

CapitalRise currently has 4 property development projects open for investment, with amounts ranging from £1.99 million to £8.4 million, and a minimum investment starting at £1,000.^[3] Investment duration ranges from 9 to 24 months. The platform offers various repayment schedules based on each project’s terms. For debt products, investors may receive payments either quarterly or as a lump sum of capital and accrued interest upon maturity. For equity investments, the capital and any potential appreciation are returned at the end of the investment term.^[4] CapitalRise withholds tax at a 20% rate on investments that pay interest quarterly.^[5]

The platform does not have an auto-invest feature but provides access to a secondary market via a Bulletin Board for investors looking to sell before the term ends. A fee of 1.5% of the sale amount is charged.^[6] CapitalRise is a UK company regulated by the FCA. While investments are not covered by the FSCS compensation scheme, uninvested funds held as client money are protected up to £85,000 per person under the FSCS deposit scheme.^[7]

Among the current investments available, CapitalRise offers an effective annual interest rate ranging from 9.5% to 11%. In the event of delays in property development projects or loans, CapitalRise provides investors with accrued interest until full repayment. The platform does not charge any transaction fees to investors.

On the other hand, fundraisers incur fees ranging from 7-13% for senior debt and mezzanine loans, 12% for preferred equity, and 18% for joint venture equity. Additional costs include 0.2% for property valuation and 0.1% for legal fees.^[8]

CapitalRise was founded by Uma Rajah, a fintech pioneer, along with Alex Michelin and Andrew Dunn, who are both co-founders of Finchatton, a luxury property design and development firm. Since 2001, Finchatton has developed over £2 billion worth of luxury properties in prime central London and around the world.^[9]

The platform is owned and controlled by CapitalRise Finance Ltd, which is incorporated in London, UK. Among the three co-founders, Uma Rajah, Alex Michelin, and Andrew Dunn, Board Director Matthew Robertson, Finance Director Stuart Peel, and Edward Linton Orf are shareholders of the company.

CapitalRise successfully raised funds via the equity crowdfunding platform Republic, formerly known as Seedrs. In its most recent funding round in July 2023, the company achieved an impressive valuation of £42.2 million, with shares offered at £49.18 each. Across three separate rounds on Seedrs, CapitalRise secured over £5.7 million from 1,148 investors.^[10]

CapitalRise experienced strong growth in FY23, repaying £135 million to investors with no losses, delivering an average return of 8.3%. The platform’s loan book grew by 70%, trading income rose 66%, and a £20 million funding line was secured. The July 2023 equity raise on Republic (Seedr) brought in £1.74 million, 74% above target, boosting net assets by 285%. The company saw a 50% increase in headcount and achieved profitability in the last quarter, generating £4 million in trading income and growing its loan book to £150 million. With over £5 million in net assets, including £3 million in liquid funds, CapitalRise is well-positioned. The platform has received a significant number of inquiries and started FY24 with a strong deal pipeline.^[11]

CapitalRise recently achieved two major award wins. CEO Uma Rajah was named ‘Female Entrepreneur of the Year’ at the Enterprise Awards in London, and the platform was recognized as ‘Property Lender of the Year (Under £20 million)’ at the PROPS Awards. The PROPS Awards highlight excellence in the UK property industry while raising funds for disadvantaged children.^[12] These achievements reflect CapitalRise’s rapid growth in property finance and follow three consecutive years of being named the Best Alternative Finance Provider by the British Bank Awards.^[13]

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “IFISA”
3. CapitalRise: “Investments - Open for investments”
4. CapitalRise: “FAQ: How and when do I get paid?”
5. CapitalRise: “Key Risks: Taxation”
6. CapitalRise: “FAQ: What happens if I change my mind about my investment?”
7. CapitalRise: “Key Risks: Compensation Scheme”
8. CapitalRise: “FAQ: What are the costs of raising finance and what fees do I have to pay?”
9. CapitalRise: “About”
10. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
11. Company House UK: “CAPITALRISE FINANCE LIMITED - Filing history”
12. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”
13. Smart Money People: “British Bank Awards”

CapitalRise is a UK-based financial institution specializing in real estate investments in London. The platform offers investors direct access to property-backed opportunities via investments in senior and mezzanine loans and equity products. Since its launch in 2016, CapitalRise has facilitated over £305.19 million in investments (excluding bank financing), with £223 million already returned to investors. In the past year, the platform has funded £92 million, averaging £7.75 million per month.^[1]

• CapitalRise offers real estate investments in London to accredited investors at a minimum investment of £1,000.
• The platform offers the option to use an Innovative Finance ISA to earn tax-free returns.
• CapitalRise offers annual interest rates of 9.5% to 11%.

CapitalRise connects accredited investors meeting the UK criteria with real estate investments in London. Each investment at CapitalRise is established under a separate subsidiary property company (SPV). Investors can use Finance ISA for tax-free returns, investing up to £20,000 per year or transferring funds from existing ISAs.^[2] The platform offers investment in three categories of products:

• Senior loans: Investors lend up to 60% of the property’s value. In this scheme, capital is at risk only if the property’s value decreases by 40%.
• Mezzanine loans: These debt instruments typically have Loan-to-Value (LTV) ratios ranging from 60% to 75%, with mezzanine loans designed to bridge the gap between senior debt and equity financing.
• Equity: CapitalRise’s equity product let's investors buy shares in a Special Purpose Vehicle (SPV) tied to a property project. When the property is sold and the investment period ends, investors receive their capital back plus a share of the profits.

CapitalRise currently has 4 property development projects open for investment, with amounts ranging from £1.99 million to £8.4 million, and a minimum investment starting at £1,000.^[3] Investment duration ranges from 9 to 24 months. The platform offers various repayment schedules based on each project’s terms. For debt products, investors may receive payments either quarterly or as a lump sum of capital and accrued interest upon maturity. For equity investments, the capital and any potential appreciation are returned at the end of the investment term.^[4] CapitalRise withholds tax at a 20% rate on investments that pay interest quarterly.^[5]

The platform does not have an auto-invest feature but provides access to a secondary market via a Bulletin Board for investors looking to sell before the term ends. A fee of 1.5% of the sale amount is charged.^[6] CapitalRise is a UK company regulated by the FCA. While investments are not covered by the FSCS compensation scheme, uninvested funds held as client money are protected up to £85,000 per person under the FSCS deposit scheme.^[7]

Among the current investments available, CapitalRise offers an effective annual interest rate ranging from 9.5% to 11%. In the event of delays in property development projects or loans, CapitalRise provides investors with accrued interest until full repayment. The platform does not charge any transaction fees to investors.

On the other hand, fundraisers incur fees ranging from 7-13% for senior debt and mezzanine loans, 12% for preferred equity, and 18% for joint venture equity. Additional costs include 0.2% for property valuation and 0.1% for legal fees.^[8]

CapitalRise was founded by Uma Rajah, a fintech pioneer, along with Alex Michelin and Andrew Dunn, who are both co-founders of Finchatton, a luxury property design and development firm. Since 2001, Finchatton has developed over £2 billion worth of luxury properties in prime central London and around the world.^[9]

The platform is owned and controlled by CapitalRise Finance Ltd, which is incorporated in London, UK. Among the three co-founders, Uma Rajah, Alex Michelin, and Andrew Dunn, Board Director Matthew Robertson, Finance Director Stuart Peel, and Edward Linton Orf are shareholders of the company.

CapitalRise successfully raised funds via the equity crowdfunding platform Republic, formerly known as Seedrs. In its most recent funding round in July 2023, the company achieved an impressive valuation of £42.2 million, with shares offered at £49.18 each. Across three separate rounds on Seedrs, CapitalRise secured over £5.7 million from 1,148 investors.^[10]

CapitalRise experienced strong growth in FY23, repaying £135 million to investors with no losses, delivering an average return of 8.3%. The platform’s loan book grew by 70%, trading income rose 66%, and a £20 million funding line was secured. The July 2023 equity raise on Republic (Seedr) brought in £1.74 million, 74% above target, boosting net assets by 285%. The company saw a 50% increase in headcount and achieved profitability in the last quarter, generating £4 million in trading income and growing its loan book to £150 million. With over £5 million in net assets, including £3 million in liquid funds, CapitalRise is well-positioned. The platform has received a significant number of inquiries and started FY24 with a strong deal pipeline.^[11]

CapitalRise recently achieved two major award wins. CEO Uma Rajah was named ‘Female Entrepreneur of the Year’ at the Enterprise Awards in London, and the platform was recognized as ‘Property Lender of the Year (Under £20 million)’ at the PROPS Awards. The PROPS Awards highlight excellence in the UK property industry while raising funds for disadvantaged children.^[12] These achievements reflect CapitalRise’s rapid growth in property finance and follow three consecutive years of being named the Best Alternative Finance Provider by the British Bank Awards.^[13]

1. P2PMarketdata: “CapitalRise Statistics”
2. CapitalRise: “IFISA”
3. CapitalRise: “Investments - Open for investments”
4. CapitalRise: “FAQ: How and when do I get paid?”
5. CapitalRise: “Key Risks: Taxation”
6. CapitalRise: “FAQ: What happens if I change my mind about my investment?”
7. CapitalRise: “Key Risks: Compensation Scheme”
8. CapitalRise: “FAQ: What are the costs of raising finance and what fees do I have to pay?”
9. CapitalRise: “About”
10. Republic: “CapitalRise: Crowdfunding to Fund Property Crowdfunding”
11. Company House UK: “CAPITALRISE FINANCE LIMITED - Filing history”
12. CapitalRise: “Double Win for CapitalRise: Enterprise & PROPS Awards”
13. Smart Money People: “British Bank Awards”