This is a continuation from our last article on Fintech valuation in the previous edition. In this article, I explore the drivers of valuation and strategies you can use to significantly enhance the valuation of your Fintech venture, regardless of whether this is a start-up, a venture that is already growing fast or a corporate initiative to venture down the Fintech path.
Valuations matter, because it will determine how much of your company you give away to an angel investor or a private equity firm during a fund raising round. It will matter hugely when one day you decide to sell the business or be acquired by a larger [...]
Asset Match is the only company in the UK currently offering this service. Themselves a startup, founded in 2012 and even having completed their own fundraise on a crowd platform.
In a nutshell, AssetMatch provides an auction-based marketplace where buyers and sellers can place their share offer, and when the auction closes, the match price, the average price, between what sellers want and what buyers want, is achieved, and then ALL the deals are done at that match price.
It’s a clever, simple, and correct way to achieve a true valuation for shares, and it enables individual [...]
It feels like one can’t get away from Crowdfunding. On the tube, adverts promise that Seedrs “Take care of the boring legal stuff so you can invest in exciting startups”. Crowdcube encourage us to buy into a passion for coffee. Investments being sold not on the basis of a return, but on the basis of the actual investment experience. This is not least because the returns are unproven, very. Why do people invest on a crowdfunding site? They themselves might well claim it’s to [...]
Is my business concept working? If your business is going to be successful in the long term, it has to be profitable. That’s easy to understand but if you are still in the development stage, it’s a very different situation. There are no sales metrics to determine whether the business is heading in the right direction and at the right pace.
However, that’s no reason to ignore this question. The sooner you can understand out how well the business’ concept [...]
Thinking that London is the only city in the United Kingdom where Fintech companies can thrive is a mistake. Edinburgh, thanks to its high quality of life and its relatively small size, is the perfect city where entrepreneurs can launch their businesses and see them growing.
Within the last years, thanks to its strong performance in the raising tech sectors – such as fintech –, Edinburgh has become the second largest financial centre in the UK, putting at stake the leadership of London as capital of the Flat White Economy.
Edinburgh, being a small, vibrant centre enriched by [...]
“We are doing a very old thing – providing small businesses with finance – in a totally new way. We leverage technology and big data to better underwrite loans and automate processes to help more businesses get [...]
Regions Bank and online lending platform Avant announced on 8 April an agreement to offer a streamlined online consumer loan application and underwriting experience for Regions Bank customers. The unique agreement will combine Regions’ established banking and online presence with Avant’s technology platform to provide a fast, convenient digital experience for customers seeking consumer loans.
“Working with Avant, we will be able to offer a better online experience, while maintaining our commitment to responsible lending — something that benefits customers, the community and our shareholders,” said Logan Pichel, [...]
So, we have set out below some critical issues you may want to consider:
(1) Shareholders’ agreement These agreements anticipate certain possible key changes and provide reasonable solutions which protect the legitimate rights of all shareholders and make less likely future damaging disputes between them. Some of [...]
Early Metrics is one of the most innovative companies on the market. Launched in France in May 2014, it is the first rating agency for startups and innovative SMEs that aims at measuring their potential. Analysing startups free of charge, Early Metrics has been well-received by founders and CEOs – so much that already 500 companies have been studied and rated. With an international outlook, the company is eager to grow and expand its activities; already present in London, Early Metrics will open new offices in [...]
We love London, we really do. Only when we find ourselves being 28 years old with a great career and still sharing a flat with 3 other (not very tidy) people, stuck on the tube for 2 hours daily, working way too hard, feeling really tired and not having time for anything fun… that’s when we understand what level of living actually means. And also that there must be better places for that.
Edinburgh is the one. The Level of Living Capital, it is also a second largest financial centre in the UK, extremely startup friendly and has almost London level of salaries with everything else significantly cheaper. It is also compact and charming and full of history and [...]