Colleganza Partners
Ancient Wisdom · Modern Growth Capital · Shared Outcomes

Early Access · By Invitation

Colleganza is not yet publicly live. We are currently onboarding a select group of businesses ahead of our full launch. If you have received an invitation, you are in the right place.

This website is a working draft for private circulation. It does not constitute a public offer. Colleganza Partners Ltd · Co. No. 17035326 · Registered in England & Wales

Revenue Linked Growth Capital for UK SMEs

We invest against
what you earn.
Not what you own.

Colleganza Partners bridges the gap between bank lending and venture capital — providing UK SMEs with performance-aligned growth capital that scales with your revenue. You keep 100% ownership of your business. No collateral. No fixed repayments.
No Collateral No Fixed Repayments You Keep 100% Ownership £10,000 to £150,000 Facilities

If banks say no
and VCs want too much,
there is a third path.

Colleganza provides growth capital to businesses that are profitable and growing, but don't fit the rigid moulds of traditional lenders or venture capital.

✕
Banks want collateral, fixed repayments, and years of history. Most growing SMEs don't qualify.
✕
VCs want equity, hyper-growth and board control. Most profitable businesses won't give that up.
✓
Colleganza looks at what you earn. Cash Flow & Data is the collateral.
What is Colleganza?

Revenue-Based
SME Finance.

We provide SMEs with growth funding that repays automatically as a percentage of their revenue. Fixed fee — agreed upfront, no compounding interest*, no hidden costs.

How it works for your business 0% interest · Fixed fee only
Capital accessed Revenue share Total to repay Fixed fee Typical tenure
£25,000 10% of monthly revenue £31,250 £6,250 12 months
£30,000 12% of monthly revenue £37,500 £7,500 12 months
£37,500 15% of monthly revenue £46,875 £9,375 12 months

Illustrative examples only. Based on a business with £6,000 weekly revenue.

Growth capital only. Not cashflow emergencies.

"We succeed only when you succeed."

Kulbir Arora, Founder & CEO

*No compounding interest applies under standard facility terms. In the event of default or covenant breach, charges may be applied on unpaid amounts as set out in the facility agreement.

Video · Coming Soon
Our Customer Platform

FundYourRevenue is how UK SMEs access Colleganza's revenue-linked growth capital directly. Clear terms, fast decisions, no equity taken.

Visit FundYourRevenue →
Sectors we serve

Built for businesses
with recurring revenue.

If your business generates consistent, trackable revenue — we want to hear from you. We finance growth, not survival.

I

Education & Childcare

Term-based, subscription or session-based income businesses.

Nurseries & childcare · After-school clubs · Private training centres · Online coaching & course creators · Subscription education platforms · Children's activity franchises · Tutoring franchises
II

Franchised & Multi-site Operators

Proven franchise models with standardised revenue and multi-location operations.

Food & beverage franchises · Domestic cleaning franchises · Property maintenance franchises · Home care franchises · Specialist retail chains · Children's-based franchises
III

Healthcare & Wellbeing

Businesses with predictable patient or client revenue and regular appointment cycles.

Dental clinics · GP & private clinics · Care services (non-clinical included) · Fitness studios & gyms · Physiotherapy & allied health
IV

Hospitality

Operators with consistent trading history and card payment data.

Restaurants & cafés · Pubs & bars · Franchise food operators · Independent QSR & regional chains · Coffee chains · Dessert café concepts
V

Marketing-Driven SMEs

Digitally native businesses with trackable, data-rich revenue streams.

E-commerce & D2C brands · Amazon FBA, eBay, Etsy & Shopify sellers · Niche product brands · Performance marketing agencies · Social media agencies
VI

Personal Services

High-frequency, repeat-use service businesses with strong recurring demand.

Cleaning companies · Pest control · Pet grooming services
VII

Retail

Essential and convenience retail with consistent footfall and card transaction data.

Convenience stores · Off-licences · Newsagents & Post Offices · Auto services · Phone repair shops · Print & signage shops · Laundry & dry-cleaning
VIII

SaaS & Digital

Software businesses with monthly or annual recurring subscription revenue.

B2B SaaS · Subscription platforms · Digital tools & marketplaces
IX

Wellness

Service businesses with loyal, repeat client bases and appointment-led revenue.

Barbershops · Hair salons (independent & premium) · Skin & beauty clinics · Nail salons · Massage & reflexology · IV therapy & recovery lounges · Tanning salons · Spas & wellness retreats
How it works

From application to
capital in days.

1

Apply online

Submit a short application on the Colleganza platform. No lengthy paper forms.

2

Connect your data

Securely connect your bank account or accounting software. We use live data, not old statements.

3

Receive offer

We assess your revenue and make a clear offer. Fixed fee agreed upfront. No surprises.

4

Capital deployed

Capital hits your account. You use it for growth: new equipment, staff, marketing, inventory.

5

Repay flexibly

A percentage of monthly revenue is collected automatically. Busy months pay more, quiet months pay less.

The Platform

Built for how
SMEs actually work.

Apply, track repayments and manage your facility entirely through the Colleganza platform. Fast, transparent, designed around your business.

Dashboard
£42kFacility
£18kOutstanding
63%Repaid
StatusActive
Revenue share8.5%
This month collected£3,240
Est. completion4 months
Application
Step 2 of 4
Monthly revenue£38,400
Avg. 6-month£35,200
Bank connectedYes
Capital requested£50,000
Indicative offerQualifying
Revenue Tracking
↑ 12%vs last month
On trackRepayment
Jan revenue£34,100
Feb revenue£36,800
Mar revenue£38,400
Collection rate8.5% of revenue
Your Offer
£50,000
Growth Capital Offer
Fixed fee£12,500 (25%)
Total to repay£62,500
Revenue share8.5% monthly
Est. term12–15 months
No early repayment penalty

Full visibility.
Zero surprises.

Your Colleganza dashboard shows exactly what you've drawn, what you've repaid and what's outstanding at all times. No confusing statements, no hidden charges appearing mid-term.

✓ Apply and track entirely online
✓ Connect your bank or POS data in minutes
✓ Real-time repayment tracking
✓ Fixed fee agreed upfront — nothing changes
✓ Support from a team that knows SMEs

Screenshots show illustrative platform interface. Actual platform may differ as development continues.

Eligibility

Do you qualify?

We work with established, profitable SMEs that have real recurring revenue. Growth capital only — not for cashflow emergencies.

We look for

12+ months of documented, recurring revenue

Profitable operations — growth capital only, not survival capital

UK-registered limited company

Willing to connect accounting, POS or bank data for underwriting

Capital for revenue-generating activity: hiring, equipment, marketing, expansion

Ready to apply? Click here →
How we compare

Why Colleganza?

Feature
Bank loan
VC equity
Colleganza
No equity dilution✗✗✓
No hard collateral✗N/A✓
Flexible repayments✗N/ARevenue-linked
Fast underwritingWeeksMonthsDays
Asset-light businesses✗Partial✓
Fixed fee, no compounding✗N/A✓
Apply for funding

Ready to explore growth capital?

Apply directly through FundYourRevenue, our customer-facing platform. Clear terms, fast decisions, and a product built by people who understand SMEs.

Visit FundYourRevenue.co.uk →
Apply Now

Tell us about
your business.

Fill in the form and we will come back to you within one business day to discuss your options.

Address
45 Albemarle Street, London W1S 4JL
Hours
Mon–Fri 9am–7pm · Sat 10am–5pm

We assess all applications on merit. Strong revenue businesses are welcome to apply regardless of use case.

Thank you. Kulbir will be in touch within one business day.

Colleganza · Investor Access

Restricted Access · Qualified Investors Only

Investment information on this page is restricted to qualified investors who have received a direct invitation from Colleganza Partners. Please confirm the statements below to proceed.

Nothing herein constitutes financial advice or a public offer. SEIS reliefs depend on individual circumstances and HMRC approval. Colleganza Partners Ltd · Co. No. 17035326 · Registered in England & Wales

Investor Access

Platform equity.
Long-term compounding.

Colleganza offers qualified investors the opportunity to own equity in Colleganza Partners Ltd — the origination platform itself. You are not investing in individual SME deals. You are investing in the infrastructure that originates, underwrites and services them.

SEIS Investors

Enter the platform
before it scales.

Colleganza is raising up to £250,000 under SEIS to build the technology infrastructure of a revenue-linked finance origination platform. You are buying equity in the platform business — not exposure to individual deals.

Capital is at risk. Investing in early-stage companies involves significant risk including potential total loss of capital. SEIS tax reliefs mitigate but do not eliminate investment risk. Independent financial advice is strongly recommended before investing.

£250k SEIS raise · current round
50% Income tax relief for SEIS investors
£37M Projected 3-year deployment
5.7M UK SMEs structurally underserved
9–15mo Typical capital cycle
Video · Coming Soon
What you are investing in

Platform equity.
Not deal exposure.

SEIS investors own a stake in Colleganza Partners Ltd, the platform business itself. As the platform grows, value is driven by proprietary SME data, distribution partnerships, recurring servicing income and institutional capital integration.

SEIS Tax Reliefs

Significant tax advantages
for qualifying investors.

Colleganza Partners intends to qualify under the UK Seed Enterprise Investment Scheme. Subject to individual circumstances and statutory conditions.

50%

Income Tax Relief

Claim up to 50% of your investment back against income tax. A £20,000 investment may cost £10,000 after relief, subject to individual tax position and HMRC approval.

0%

Capital Gains Tax

No CGT on gains from SEIS shares held for at least three years, provided HMRC conditions are met.

IHT

Inheritance Tax Relief

SEIS shares may qualify for Business Relief after two years, potentially becoming IHT-exempt from your estate.

Loss

Loss Relief

If the investment results in a loss, you may offset it against income tax or CGT, significantly reducing effective downside.

SEIS

SEIS is a government-backed scheme administered by HMRC. Colleganza Partners intends to apply for Advance Assurance.

SEIS combines 50% upfront income tax relief with CGT-free compounding equity gains over time. For a qualifying investor, your effective entry cost is halved from day one, and all future appreciation is sheltered from capital gains tax.

Use of SEIS Proceeds

How the capital
will be deployed.

The £250,000 raised under SEIS is allocated entirely to building the platform infrastructure and establishing market presence.

Allocation of SEIS Funds

Legal & Technology Platform Development
52%
Marketing & Distribution
26%
Regulatory & Compliance
10%
Operations
8%
Contingencies
4%

Valuation: £2.5M pre-money · £2.75M post-money. SEIS qualifying activity — the company intends to apply for Advance Assurance from HMRC. Independent financial advice is strongly recommended before investing. Capital is at risk.

Investor Document
SEIS Pitch Deck
By request

The pitch deck contains detailed financial projections, return scenarios and the full investment case. Complete the form and Kulbir will send it to you personally — typically within one business day.

Confidential Request Form · Colleganza Partners

Your details are held privately and used solely to send you the requested document. We do not share your information with third parties.

Colleganza Partners works with institutional capital partners to fund its SME origination pipeline. If you represent an institution or family office and wish to discuss a partnership, please contact [email protected].

This is not an investment offer or financial promotion. No returns are implied or guaranteed.

The Founders

Built by operators, not theorists.

Kulbir Arora
Kulbir Arora
Founder & CEO

SME operator who has had boots on the ground since a very early age, navigated three economic cycles, and understands what it actually feels like to run a business when cash flow gets tight. 30+ years across property development, FMCG distribution and capital structuring. LSE-educated.

LinkedIn
Munish Singla
Munish Singla
Co-Founder & CFO

25+ years in banking and private equity. Previously at NatWest, Morgan Stanley, and McKinsey. MBA from Wharton, Computer Science from IIT-Delhi. Leads the technology and finance platform.

LinkedIn

This is a product built by people who have run businesses, not by people from behind a desk.

All of that experience has been channelled into building an organisation that genuinely wants to support businesses. We give you space to decide. We explain everything before you commit. And we never ask for a share of what you have built.

The name Colleganza comes from a 12th-century Venetian merchant partnership. It was the world's first form of venture capital: a risk-sharing arrangement where a merchant and an investor aligned their interests. When the venture succeeded, both benefited. When it struggled, the burden was shared.

Support & Advisory

The partners helping
build this right.

GV
GlobalVox
Technology Partner
Washington DC

Colleganza's technology development partner, responsible for platform architecture, build and delivery. Based in Washington DC with a track record in fintech product development and deployment.

Tech Partner
SL
Legal Partner
SEIS & Commercial Structuring
SeedLegals

SeedLegals — engaged for SEIS structuring and advance assurance documentation. Specialist commercial law firm under consideration for ongoing commercial and regulatory matters.

Legal
Pipeline
Advisory Pipeline
Regulatory & Compliance
Appointments in progress

Active conversations with a leading international law firm regarding FCA regulatory framework, financial promotions compliance, consumer credit regulations, and data protection. Formal engagement to be confirmed as the platform scales.

In Progress

Advisor and partner affiliations shown for identification purposes only. Individuals are acting in a personal advisory capacity. Their employers are not affiliated with or endorsing Colleganza Partners. Legal relationships subject to formal engagement.

Express Interest

Ready to explore
the opportunity?

We would welcome a conversation. Complete the form and Kulbir will be in touch personally.

Thank you. Kulbir will be in touch shortly.

Partners

Your clients need
growth capital.
We deliver it.

Colleganza delivers flexible, revenue-linked financing to your clients through transparent terms, fast decisions and a relationship built to last. We are here to make you look good in front of your clients — every time.

Why partner with us

Four things we
always deliver.

Transparent terms

Fixed fee agreed upfront. No compounding interest. No variable charges mid-term. You can explain the full cost to your client in one sentence — because there is only one number to know. No surprises. Ever.

Direct CEO access

No account managers. No call centres. No chasing. Kulbir Arora — Founder and CEO — is your direct point of contact throughout every introduction, assessment and completion. When you need an answer, you get one.

Fees that reward loyalty

Industry-standard introduction fees on every completed facility. Our tiered structure means the more you refer, the better your rate. Partners who give us exclusivity or preferred-lender status are recognised and rewarded — personally, not through a portal.

Something others don't offer

Annual partner prize draw

Every active partner is entered into our annual prize draw — with prizes including the latest iPhone, holiday trips and cruise packages. A small way of saying thank you for being part of building something together. Open to all active partners.

Our commitment

Relationships at
the core of everything.

We are building Colleganza as a relationship-first business. We want to know our brokers and advisors by name, understand their client base, and be the lender they call first — not last.

We will never go around you to your client. We will never undercut an introduction. We will always be honest about whether a case is likely to complete before you invest time in it.

"The best partnerships are built on trust, not contracts. Call me directly — let's have a conversation."

Kulbir Arora · Founder & CEO

How it works

From introduction
to completion.

01

You make the introduction

Send us the basics — business name, sector, approximate revenue and capital required. That is enough to start.

02

We assess quickly

Initial view within 2 business days. We tell you honestly whether to proceed before your client invests any time.

03

Clear offer issued

Fixed fee, revenue share percentage, tenure — all agreed upfront in writing. Your client knows exactly what they are signing.

04

Capital deployed, fee paid

Funds hit your client's account. Your introduction fee is confirmed and paid promptly on completion.

Eligibility

What we fund.

We work with established, profitable UK SMEs with real recurring revenue. If your client fits this profile, we want to hear from you.

We fund
✓Hiring & staffing
✓Equipment & machinery
✓Refurbishment & renovation
✓New site or location opening
✓Marketing & customer acquisition
✓Stock & inventory purchasing
✓Franchise fees & setup
✓Seasonal bridging (strong revenue businesses)
Ideal client profile
✓12+ months trading with recurring revenue
✓Profitable — growth capital, not survival
✓UK-registered limited company or LLP
✓Willing to connect bank or accounting data
✓Facilities from £10,000 to £150,000
Sectors we serve

Healthcare · Hospitality · Education · SaaS · Wellness · Personal Services · Retail · Franchised & Multi-site · Marketing-Driven SMEs

Introduction fee

Fairly paid.
Every time.

We pay industry-standard introduction fees on all successfully completed facilities. Our structure is tiered — the more consistently you refer, and the more exclusively you work with us, the better your rate.

We prefer to discuss fee structures personally rather than publish a rate card. Every broker relationship is different and we would rather have a direct conversation.

Call Kulbir directly Email us
Standard

Industry-standard rate on every completed facility. Paid promptly on drawdown.

Repeat & volume

Enhanced rates for partners who refer consistently. The relationship gets more rewarding over time.

Exclusivity & loyalty

Partners who give us preferred-lender status receive our best rates and fast-track decisions direct from Kulbir.

Who we work with

Brokers, accountants and advisers
who know their clients.

Our partner network comprises professionals who have built trust with SME business owners.

Commercial Finance Brokers

Brokers with SME clients who need growth capital but cannot access conventional lending. Colleganza extends your product range into revenue-linked facilities.

Accountants & Advisers

Accountants who understand their clients' financials and can identify businesses that qualify. A natural fit. You already know the revenue data we assess against.

IFAs & Wealth Managers

Financial advisers whose clients include business owners seeking working capital or growth funding outside of their personal wealth structures.

Business Consultants

Consultants advising SMEs on growth strategy, operations, or turnaround. If your client has the revenue, we can help fund the next stage.

Insolvency Practitioners

IPs who encounter viable businesses in their network that are not in distress but need growth capital. Referral only, not for front-end acquisition.

FundYourRevenue is how your clients apply. You refer, we fund, you earn.

FundYourRevenue.co.uk →
Get started

Register as
a partner.

Fill in the short form and Kulbir will be in touch personally — typically within one business day. No lengthy onboarding. Just a direct conversation about how we can work together.

Hours
Mon–Fri 9am–7pm · Sat 10am–5pm

Important Notice: This website is a working draft intended for private circulation only and does not constitute an approved financial promotion or a public offer. Colleganza Partners is a technology platform that originates and structures revenue-linked commercial financing solutions for SMEs. Colleganza Partners does not provide lending from its own balance sheet. Capital for financing transactions is provided by third-party institutional investors, family offices and accredited capital partners. Financing products are structured as commercial receivables purchase agreements and are intended for business purposes only — not consumer credit. Investment information is directed only at persons who qualify as High Net Worth Individuals or Sophisticated Investors within the meaning of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. Capital is at risk. Returns are not guaranteed. SEIS tax reliefs depend on individual circumstances and HMRC approval. Nothing on this website constitutes financial, legal or investment advice. Colleganza Partners Ltd · Company No. 17035326 · Registered in England and Wales · Registered Office: 45 Albemarle Street, London W1S 4JL · © Colleganza Partners Ltd 2026. All rights reserved.