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BRITISH PEARL

British Pearl is a property investment platform providing a simple way for individuals to invest in specific UK residential properties (rental and development) for as little as £100. This can be as a shareholder or a lender or both. Shareholders receive monthly net rental income plus a share of any capital appreciation on sale; lenders receive fixed monthly interest income (ISA eligible) and benefit from a charge against the property.

THE IDEA
Products & Services

British Pearl is a property investment platform enabling people to invest as little as £100 in an individual property either as a shareholder, a lender or both. They have made a very complex and time consuming property investment process simple, so everyone can become a property owner or mortgage provider online in minutes. By upgrading property investment for the digital age they are providing Access, Control and Liquidity previously not available. BP's platform enables people to come together and unify their capital to potentially earn Returns that might not be accessible to them alone, thereby fulfilling their mission to unite people & help them prosper.

Problem Solved

Property ownership and investment has become increasingly expensive. British Pearl enables affordable property investment for all. The service is attractive for aspirational property owners/investors motivated by exposure to property and experienced property investors seeking hassle free investment and diversification. Additionally the platform enables SME property developers to access equity and debt capital to finance their projects in an environment where bank funding is reducing. British Pearl maintains full control over the investment and asset throughout its lifetime.

Revenue Model

Revenues come from fees BP charge investors, customers and property owning companies (SPVs). The revenue model is similar to the fund management model, they charge participation fees on entry, annual management and performance fees on exit. The combined cost of customer and company fees is approximately 1.57% of total capital invested on entry and 0.86% annually equating to a total hurdle to the Share Investor of 5.87% over the 5yr investment term. On exit Share Investors are charged a performance fee of 20% of the capital gain above a preferred return of 10%. BP select investments they are confident can generate potential returns, above all costs and fees, sufficient to attract investors.

Exit Strategy

BP does not plan to pay any dividends for the foreseeable future as it builds the business. Accordingly, investors should expect to receive potential returns in the form of capital gains upon selling their shares. Given the size of the opportunity and potential to scale they believe their proposition will be very attractive to acquirers interested in FinTech and PropTech platforms. Consequently, they see 4 potential shareholder exit options: sale to institutional investors; trade sale or merger; or an exchange listing, and a share buyback would also be a possibility.

Minimum Target £ 600,000 Maximum Target £ 999,999 Minimum investment amount £ 10,000 Maximum investment amount £ 1,000,000
Share On Website Visit site Location LONDON
Rewards

Rewards with a monetary value of over £1,000 can affect the amount of SEIS and EIS an investor can claim. If you are offering SEIS or EIS, then please keep the value of the rewards you’re offering below £1,000.

The Idea

Products & Services

British Pearl is a property investment platform enabling people to invest as little as £100 in an individual property either as a shareholder, a lender or both. They have made a very complex and time consuming property investment process simple, so everyone can become a property owner or mortgage provider online in minutes. By upgrading property investment for the digital age they are providing Access, Control and Liquidity previously not available. BP's platform enables people to come together and unify their capital to potentially earn Returns that might not be accessible to them alone, thereby fulfilling their mission to unite people & help them prosper.

Problem Solved

Property ownership and investment has become increasingly expensive. British Pearl enables affordable property investment for all. The service is attractive for aspirational property owners/investors motivated by exposure to property and experienced property investors seeking hassle free investment and diversification. Additionally the platform enables SME property developers to access equity and debt capital to finance their projects in an environment where bank funding is reducing. British Pearl maintains full control over the investment and asset throughout its lifetime.

Revenue Model

Revenues come from fees BP charge investors, customers and property owning companies (SPVs). The revenue model is similar to the fund management model, they charge participation fees on entry, annual management and performance fees on exit. The combined cost of customer and company fees is approximately 1.57% of total capital invested on entry and 0.86% annually equating to a total hurdle to the Share Investor of 5.87% over the 5yr investment term. On exit Share Investors are charged a performance fee of 20% of the capital gain above a preferred return of 10%. BP select investments they are confident can generate potential returns, above all costs and fees, sufficient to attract investors.

Exit Strategy

BP does not plan to pay any dividends for the foreseeable future as it builds the business. Accordingly, investors should expect to receive potential returns in the form of capital gains upon selling their shares. Given the size of the opportunity and potential to scale they believe their proposition will be very attractive to acquirers interested in FinTech and PropTech platforms. Consequently, they see 4 potential shareholder exit options: sale to institutional investors; trade sale or merger; or an exchange listing, and a share buyback would also be a possibility.

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