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
Colleganza 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 & CEO
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
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.
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
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 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.
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.
SEIS is a government-backed scheme administered by HMRC. Colleganza Partners has applied for Advance Assurance — confirmation pending.
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.
The £250,000 raised under SEIS is allocated entirely to building the platform infrastructure and establishing market presence. No founder remuneration is drawn from this round.
Valuation: £2.5M pre-money · £2.75M post-money. SEIS qualifying activity — Advance Assurance application submitted, pending HMRC confirmation. Independent financial advice is strongly recommended before investing. Capital is at risk.
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.
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.
Founder & CEO · 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.
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.
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.
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.
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.
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
You make the introduction
Send us the basics — business name, sector, approximate revenue and capital required. That is enough to start.
We assess quickly
Initial view within 2 business days. We tell you honestly whether to proceed before your client invests any time.
Clear offer issued
Fixed fee, revenue share percentage, tenure — all agreed upfront in writing. Your client knows exactly what they are signing.
Capital deployed, fee paid
Funds hit your client's account. Your introduction fee is confirmed and paid promptly on completion.
We work with established, profitable UK SMEs with real recurring revenue. If your client fits this profile, we want to hear from you.
Healthcare · Hospitality · Education · SaaS · Wellness · Personal Services · Retail · Franchised & Multi-site · Marketing-Driven SMEs
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.
Industry-standard rate on every completed facility. Paid promptly on drawdown.
Enhanced rates for partners who refer consistently. The relationship gets more rewarding over time.
Partners who give us preferred-lender status receive our best rates and fast-track decisions direct from Kulbir.
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.