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

Watch: How Colleganza Works · 2 min
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.

🏫

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
🏢

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
🏥

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
🍽️

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
📱

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
🧹

Personal Services

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

Cleaning companies · Pest control · Pet grooming services
🛍️

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
💻

SaaS & Digital

Software businesses with monthly or annual recurring subscription revenue.

B2B SaaS · Subscription platforms · Digital tools & marketplaces

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 collateralN/A
Flexible repaymentsN/ARevenue-linked
Fast underwritingWeeksMonthsDays
Asset-light businessesPartial
Fixed fee, no compoundingN/A
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

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
5.5M UK SMEs structurally underserved
9–15mo Typical capital cycle
Watch: The SEIS Investment Case · 3 min
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 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.

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. No founder remuneration is drawn from this round.

Allocation of SEIS Funds

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 — Advance Assurance application submitted, pending HMRC confirmation. 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.

KA
30+Years experience
£70MGDV delivered
12Projects completed
4Credit cycles
The Founder

Kulbir Arora

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.

1993
Started on the factory floor aged 13: sales, production, operations. A first-hand commercial education from the ground up.
2001
Joined property development: from repair and renovation through to complex mixed-use schemes.
2005
Founded FMCG distribution business: grew to 11 brand agencies. Led sales teams, accounts, collections and supplier relationships.
2009–Present
Full-time property development via Prodigy Property Partners: 12 projects, £70M+ GDV, navigating four full credit cycles including the GFC.
2026
Founded Colleganza Partners: applying 30 years of capital, risk and SME experience to build a revenue-linked growth capital platform.
Advisory Team

The people helping
build this right.

KA
Kulbir Arora
Founder & CEO
Colleganza Partners

30+ years across property development, capital structuring, FMCG distribution and SME operations. LSE-educated. Designed Colleganza from lived experience, not theory.

Founder
MS
Munish Singla
Founding Partner – Strategy & Institutional Growth
NatWest Group

Senior finance professional at NatWest Group, educated at Wharton. Extensive background in financial services and institutional banking, bringing regulatory awareness and strategic growth depth.

Strategy
SL
Santosh Ledwani
Founding Partner – Risk & Structuring
Standard Chartered Bank

Senior banking professional at Standard Chartered with deep expertise in financial transactions and structured products, bringing institutional risk discipline directly to the platform.

Risk & Structuring
AK
Akshay
Technical Advisor – Data & AI
SEO · Cyber Security

Advises 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.

Technology
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
DK
Legal Partners
SEIS & Commercial Structuring
SeedLegals · DKLM (under consideration)

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

Legal

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.

Address
45 Albemarle Street, London W1S 4JL
Company
Colleganza Partners Ltd · Co. No. 17035326 · Registered in England & Wales

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.

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.