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
Are you an investor? Access the investor portal →Restricted Access · Qualified Investors Only
Investment information on this site 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
← Back to Business Owner accessColleganza provides growth capital to businesses that are profitable and growing, but don't fit the rigid moulds of traditional lenders or venture capital.
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.
"We succeed only when you succeed."
Kulbir Arora, Founder & Director
If your business generates consistent, trackable revenue — we want to hear from you. We finance growth, not survival.
Term-based, subscription or session-based income businesses.
Proven franchise models with standardised revenue and multi-location operations.
Businesses with predictable patient or client revenue and regular appointment cycles.
Operators with consistent trading history and card payment data.
Digitally native businesses with trackable, data-rich revenue streams.
High-frequency, repeat-use service businesses with strong recurring demand.
Essential and convenience retail with consistent footfall and card transaction data.
Software businesses with monthly or annual recurring subscription revenue.
Service businesses with loyal, repeat client bases and appointment-led revenue.
Submit a short application on the Colleganza platform. No lengthy paper forms.
Securely connect your bank account or accounting software. We use live data, not old statements.
We assess your revenue and make a clear offer. Fixed fee agreed upfront. No surprises.
Capital hits your account. You use it for growth: new equipment, staff, marketing, inventory.
A percentage of monthly revenue is collected automatically. Busy months pay more, quiet months pay less.
Apply, track repayments and manage your facility entirely through the Colleganza platform. Fast, transparent, designed around your business.
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.
Screenshots show illustrative platform interface. Actual platform may differ as development continues.
We work with established, profitable SMEs that have real recurring revenue. Growth capital only — not for cashflow emergencies.
12+ months of documented, recurring revenue
Profitable operations — growth capital only, not survival capital
UK-registered limited company or LLP
Willing to connect accounting, POS or bank data for underwriting
Capital for revenue-generating activity: hiring, equipment, marketing, expansion
Fill in the form and we will come back to you within one business day to discuss your options.
Both pathways are tied to the same origination engine — the Colleganza platform — but differ in structure, time horizon and return profile.
Own a stake in Colleganza Partners Ltd itself — the infrastructure business. 50% income tax relief on day one via SEIS. You are investing in the platform, not individual deals. Suited to investors focused on long-term equity upside and tax efficiency.
Deploy capital into revenue-linked SME advances originated through the Colleganza platform via Colleganza Capital. Target double-digit returns over 9–15 month cycles. Suited to HNI investors seeking structured, recurring income with capital recycling efficiency.
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.
Colleganza Partners intends to qualify under the UK Seed Enterprise Investment Scheme. Subject to individual circumstances and statutory conditions.
Claim 50% of your investment back against income tax. A £20,000 investment costs £10,000 after relief. Subject to HMRC approval.
No CGT on gains from SEIS shares held for at least three years, provided HMRC conditions are met.
SEIS shares may qualify for Business Relief after two years, potentially becoming IHT-exempt from your estate.
If the investment results in a loss, you may offset it against income tax or CGT, significantly reducing effective downside.
One of the most tax-efficient equity structures available in the UK. Approved by HMRC.
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.
For illustration only, not a forecast. Tax treatment depends on individual circumstances.
Investment: £20,000 · Tax relief: £10,000 · Sale proceeds: £60,000 · Net return on effective £10,000 outlay: £70,000 total value.
Investment: £20,000 · Tax relief: £10,000 · Sale proceeds: £20,000 · Total value: £30,000. Even with no growth, the tax relief creates meaningful upside.
Investment: £20,000 · Tax relief: £10,000 · Sale proceeds: £10,000 · Loss relief at 45%: £4,500 · Total value: £14,500. Even in a poor scenario, SEIS protection is substantial.
Valuation: £2.5M pre-money · £2.75M post-money. SEIS Advance Assurance from HMRC pending, subject to team finalisation. Independent financial advice is strongly recommended before investing. Capital is at risk.
We share the pitch deck directly with serious investors. Complete the short form and Kulbir will send it to you personally — typically within one business day.
Your details are held privately and used solely to send you the requested document. We do not share your information with third parties.
Founder & Director · Colleganza Partners
This platform was not designed from a financial model. It was built from lived experience on both sides of the capital table: as a business owner who needed growth capital and couldn't always access it on fair terms, and as a developer who has structured and managed capital across four full credit cycles including the Global Financial Crisis.
Kulbir began his career at 13 on the factory floor of his grandfather's business. By 2001 he had joined property development, progressing to complex mixed-use schemes. In 2005 he founded and grew a FMCG distribution business to 11 company agencies, personally managing sales teams, collections and supplier relationships.
His property track record spans 12 completed development projects, £14m equity invested and £70.4m in aggregate GDV, with acquisitions consistently achieved 15–20% below market value. He holds an LSE qualification in Real Estate Economics and Finance.
Colleganza sits at the intersection of all of it — the entrepreneur who knows what SMEs actually need, and the developer's discipline around capital, risk and structured returns.
30+ years across property development, capital structuring, FMCG distribution and SME operations. LSE-educated. Designed Colleganza from lived experience, not theory.
FounderSenior finance professional at NatWest Group, educated at Wharton. Extensive background in financial services and institutional banking, bringing regulatory awareness and strategic growth depth.
StrategySenior banking professional at Standard Chartered with deep expertise in financial transactions and structured products, bringing institutional risk discipline directly to the platform.
Risk & StructuringAdvises on data infrastructure, AI-driven underwriting logic, platform security architecture and search optimisation — ensuring the Colleganza platform is built with resilience and intelligence from day one.
TechnologyColleganza'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 PartnerSeedLegals — engaged for SEIS structuring and advance assurance documentation. DKLM — specialist commercial law firm under consideration for ongoing commercial and regulatory matters.
LegalAdvisor 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.
We would welcome a conversation. Complete the form and Kulbir will be in touch personally.
Colleganza Capital is the capital deployment vehicle that sits alongside the Colleganza Partners origination platform. It is designed for HNI investors seeking structured, double-digit returns from a portfolio of revenue-linked advances to UK SMEs.
Capital deployed exclusively into revenue-linked advances originated and underwritten by Colleganza Partners. Not general corporate lending.
Typical advance duration of 9 to 15 months, with capital recycled across multiple deployments to compound effective returns.
Capital spread across multiple SMEs in GFC-resilient sectors: healthcare, childcare, education, hospitality and SaaS.
Colleganza Capital is a distinct vehicle from Colleganza Partners. Capital here funds the loan book, not the platform infrastructure.
Colleganza Capital is currently being structured. A dedicated website with full investment documentation is available at colleganzacapital.co.uk.
Colleganza Capital is in formation. Investment materials will be available via colleganzacapital.co.uk once the vehicle is incorporated and documentation is finalised. Nothing on this page constitutes an offer. Capital is at risk.
If you have a specific question before the full site is live, contact Kulbir directly at [email protected]